I've had my checking account through AFCU since 2005. I've had several loans through them, credit cards, savings, and money market savings accounts. They have great customer service, and follow up on all issues I've ever had. I've used them all over the US, which can be a bit of a pain for ATM fee's outside Utah. If you are living in Utah, especially the Wasatch Front, they are all over the place. The only place I'd consider over/in competition with America First in Utah is Mountain America Credit Union.