SECURING YOUR SESSION…
13M+ Members Served
$168B in Assets
Zero Monthly Fees
4.9★ App Store Rating
13,000+ Free ATMs Worldwide
NCUA Insured up to $250K
Serving Those Who Serve America
350+ Branches Worldwide
13M+ Members Served
$168B in Assets
Zero Monthly Fees
4.9★ App Store Rating
13,000+ Free ATMs Worldwide
NCUA Insured up to $250K
Serving Those Who Serve America
350+ Branches Worldwide
PlansBankSave Invest Credit Loans
Open Free Account
Serving Those Who Serve America

The first bank
you'll truly love

Bank, save, and invest in one beautifully simple app — trusted by millions of military members, veterans, and their families.

NCUA Insured
4.9 App Store
13,000+ ATMs
Savings+$1,240
Protected$250K
9:41
Good Morning ✦
James R.
MAIN ACCOUNT
$8,873.26
Current balance
Add
Send
Cards
More
Recent
🛒
Supermarket
Today
−$62.40
🚕
Taxi
Yesterday
−$50.00
✈️
Airport
Mon
−$25.00
Monthly Budget
Spent $1,447 $553 left
SCROLL
0M+
Members Served
$0B
Assets Under Management
0K+
Free ATMs Worldwide
0★
App Store Rating
Why American First

Banking built for those
who serve & their families

Zero-Fee Banking
No monthly fees, no minimum balance, no hidden charges. Keep every dollar you earn working for you.
Smart Investments
Grow your wealth with commission-free stocks, ETFs, and IRAs — all inside the same app you bank with.
Military-Grade Security
NCUA-insured up to $250,000, biometric login, and real-time fraud alerts keep your funds protected 24/7.
Low-Rate Credit Cards
Enjoy competitive APRs, generous cashback on everyday purchases, and no foreign transaction fees overseas.
VA & Military Loans
Exclusive rates on VA home loans, auto loans, and personal loans, crafted specifically for military life.
24/7 Member Support
Reach a real person any time — by phone, chat, or in any of our 350+ branches worldwide.
14:26
Home
Current balance
$8,873.26
Cards
🛒
Supermarket
−$50.00
🚕
Taxi
−$25.00
✈️
Airport
−$18.00
Income
Expenses
Mar Apr May
$553.09
Left of budget
65%
5 days to go

Bank for free —
with no hidden fees

Open your account in minutes and enjoy 100% mobile banking. Get a free virtual card, zero ATM withdrawal fees, and no surprise charges — ever.

No monthly maintenance fees
Free virtual & physical debit card
Monthly ATM fee rebates
Open a American First Standard account

Save flexibly.
Earn 1.30% APY.1

Grow your money without locking it away. Earn our best interest rate on your savings with American First Metal.

Discover Instant Savings
Person checking savings on mobile phone outdoors
9:41
Savings
$24,150.00
1.30% APY
JanMarMayJul
✦
Interest earned
+$312.45 this year
Travel Benefits

The card made for
travel

Get cashback4 on travel, the best exchange rates, and airport lounge access. Travel stress-free with free ATM withdrawals abroad and full insurance — included with American First Go and Metal.

No foreign transaction fees
Free ATM withdrawals worldwide
Airport lounge access included
Open a American First Go account
American First Credit Union card for travel
Travel Coverage Fully insured abroad
Airport Lounges 1,300+ lounges worldwide
Zero FX Fees Best exchange rates
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Help

Frequently asked questions

Everything you need to know about American First

American First Credit Union Union is a federally chartered credit union — not a bank. Credit unions are member-owned financial cooperatives, meaning profits go back to members in the form of lower rates, fewer fees, and better services. We are federally insured by the NCUA up to $250,000 per depositor.
Yes. American First uses military-grade 256-bit encryption for all data in transit and at rest. Your accounts are protected by biometric authentication, real-time fraud monitoring, and instant card freeze controls. All deposits are federally insured by the NCUA up to $250,000.
We protect your money and data through multiple layers of security: end-to-end encryption, two-factor authentication, real-time transaction alerts, and 24/7 fraud detection. Your personal data is never sold to third parties, and our privacy policy strictly limits how information is shared.
Yes. American First provides unique IBANs (International Bank Account Numbers) to all eligible members. Your IBAN enables you to send and receive international wire transfers seamlessly. You can find your IBAN in the app under Account Details, or by contacting member support.
To open a American First account you'll need: a valid government-issued photo ID, your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), proof of military affiliation or eligibility, and a minimum opening deposit (which may be waived for eligible members). The entire process takes about 10 minutes in our app.
Opening a American First checking or savings account is completely free. There are no application fees, no monthly maintenance fees, and no minimum balance requirements. Some premium account tiers may have optional paid features, but our standard accounts cost nothing to open or maintain.
You can switch to American First from virtually any bank or financial institution — including Chase, Bank of America, Wells Fargo, Citibank, USAA, and more. Our Switch Kit guides you through transferring your direct deposits, recurring payments, and account balances step by step, with no disruption to your finances.
Risk level indicates the likelihood that you may lose some or all of the money you invest in a financial product. Savings accounts and checking accounts carry zero investment risk and are NCUA-insured. Investment products like stocks, ETFs, and mutual funds carry varying levels of market risk, and their value can go up or down.
★★★★★

"Switching to American First was the best financial decision I've made. Zero fees, incredible app, and they actually answer the phone!"

SG
Sgt. Sarah G.
Active Duty, 8 years
★★★★★

"The VA loan process was seamless. They understood military life and got us into our dream home with a rate nobody else could beat."

MR
Marcus R.
Navy Veteran
★★★★★

"As a military spouse, I needed banking I could trust while my husband was deployed. American First never lets me down — 24/7, every single time."

JM
Jessica M.
Military Spouse
★★★★★

"My savings account is earning more here than anywhere else. The app is beautiful and I love seeing my money actually grow each month."

DW
David W.
Air Force, Retired
★★★★★

"Deployed to 3 countries last year. Free ATM withdrawals everywhere, zero foreign fees. American First traveled with me the whole way."

AT
Cpl. Alex T.
Marines, Active Duty
★★★★★

"Switching to American First was the best financial decision I've made. Zero fees, incredible app, and they actually answer the phone!"

SG
Sgt. Sarah G.
Active Duty, 8 years
★★★★★

"The VA loan process was seamless. They understood military life and got us into our dream home with a rate nobody else could beat."

MR
Marcus R.
Navy Veteran
★★★★★

"As a military spouse, I needed banking I could trust while my husband was deployed. American First never lets me down — 24/7, every single time."

JM
Jessica M.
Military Spouse
★★★★★

"My savings account is earning more here than anywhere else. The app is beautiful and I love seeing my money actually grow each month."

DW
David W.
Air Force, Retired
★★★★★

"Deployed to 3 countries last year. Free ATM withdrawals everywhere, zero foreign fees. American First traveled with me the whole way."

AT
Cpl. Alex T.
Marines, Active Duty
Join 13 Million Members

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