Estate planning and settlement at America First

America First offers 23 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, America First a 122-location branch network across six western states, headquartered in Riverdale, Utah. Membership eligibility varies by location. Two Nevada combinations matter to an executor: the completed Meadows Bank acquisition (now Meadows Financial: a division of America First, with Meadows branches open and account numbers, checks, and cards unchanged), and the pending Greater Nevada Credit Union merger announced August 24, 2026 -- GNCU is a separate credit union with 13 branches and more than 89,000 members in northern Nevada until that merger closes, so a GNCU death claim goes to GNCU. Membership Agreement Section 27 makes the account agreement itself governed by Utah law, or by California law if the membership was opened in person at a California branch; the probate rules that govern the decedent's estate still follow the decedent's state of residence. Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.

America First lets account holders update beneficiary designations in branch, by phone, and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.