America First Federal Credit Union routing number

It is 324377516. America First publishes that single routing/transit number for direct deposit, ACH payments and incoming wires alike, so there is nothing to look up by branch, state or account type. It is printed at the bottom-left of an America First cheque and on the credit union’s own wire instruction form.

Routing / transit number

324377516

Used for

Direct deposit, ACH debits and credits, incoming wires

Wire destination address

America First Federal Credit Union, P.O. Box 9199, Ogden, UT 84409

Member support

1-800-999-3961

That is half of what a payer needs; the account number is the other half.

America First numbers accounts, not members: in its own words, you have a different account number for each savings and checking account, as well as each loan. Payroll systems and anyone setting up an ACH debit need the twelve-digit Direct Deposit & Electronic Payment Number (ACH) for the share the money should land in.

1. 1

   Open the right account in online banking

   Click the checking or share savings account you want credited, then unhide the field labelled Direct Deposit & Electronic Payment Number (ACH). A credit card or loan has its own.

2. 2

   Or read it off a cheque

   On an America First cheque, 324377516 sits to the left of a longer twelve-digit figure. That longer number is the one your employer needs.

3. 3

   Fill in both fields on the form

   America First’s Direct Deposit Authorization has separate boxes for Bank Routing Number and 12 Digit Direct Deposit Number (ACH). The credit union’s routing number page also shows a worked example for building the twelve digits from your account number.

Incoming wires, domestic and international, use the same routing number. Address them to America First Federal Credit Union, P.O. Box 9199, Ogden, UT 84409, with the member’s name as listed on the account, the account type, and the account number — which America First asks for as eight digits or less here, not the twelve-digit ACH number used for direct deposit.

The fees and cut-offs come from America First’s wire instruction form, revised April 2026; its Rate and Fee Schedule is the authority if they move. A domestic wire after the cut-off is processed the next business day, and members in California, Nevada and Arizona should adjust for the time difference.

The credit union states it outright on its wire form: America First does not have a SWIFT code. Its routing number page goes further — America First does not directly receive international wires at all, so an intermediary institution is required to forward the payment to 324377516.

• Ask the sending bank which U.S. intermediary it will use; America First says most foreign institutions already have one.
• If it has none, America First names Wells Fargo Bank, N.A. — SWIFT code WFBIUS6S, 420 Montgomery, San Francisco, CA 94104.
• Expect America First’s $10 incoming wire fee. What the sending bank and the intermediary charge appears nowhere in America First’s instructions.

America First publishes only its own charge; the others show up in the amount that arrives. Glide shows the rate and the fee before the transfer is sent and pays out in US dollars over ACH or wire, so 324377516 still decides where the money lands — the cost simply stops being a surprise at the other end.

The Federal Reserve’s ACH participant directory carries six records under the America First Federal Credit Union name — one filed to a Provo address, the rest to Riverdale. Only one of the six appears in the credit union’s own published instructions, and it is 324377516.

The directory resolves part of that itself: the record for 324079542 carries the Federal Reserve’s “send items using the new routing number” flag, pointing at 324377516 — what a renumber or absorbed charter looks like in the file. The other four carry the code for “send items to customer routing number”, so the Fed’s file treats them as live even though America First does not publish them.