Estate planning at America First
How to protect 21 America First accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through America First's Trust Services (Members Trust Company)
Phone1-800-999-3961
Fax1-801-215-7332
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
WebsiteLearn more→
Trust Services (Members Trust Company)
Phone1-801-827-7379
Trust & Estate Consultations
WebsiteLearn more→
Death Claims / Estate Settlement
Phone1-800-999-3961
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
Verified Apr 2026
America First offers 21 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, America First operates 117+ locations across 6 western states. Headquartered in Riverdale, Utah. Expanded into NM (2022) and CA (2024, merger with 1st Valley CU). Expanding Arizona presence with 8 new branches (announced 2026). Membership eligibility varies by location. 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 mail, and by phone, typically taking 15-30 minutes at branch; 1-2 weeks by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
America First has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 21 account types at America First.
View details →When someone dies
Death claim process
Contact America First's Trust Services (Members Trust Company) to file a claim. 5-step process, 5 required documents, and contact information for survivors.
View details →Reach America First's Trust Services (Members Trust Company) at 1-801-827-7379 for help with any of these procedures.
Because America First serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. The POD Designation form (AFCU Form #40) does not apply to IRA, HSA, Coverdell Education Savings, or Trust Accounts. IRA beneficiaries must be designated on a separate form, AFCU Form #424. Contact a branch or call 800-999-3961 to request the appropriate IRA beneficiary form.
America First provides a full range of trust and estate planning services through Members Trust Company, a federal thrift regulated by the OCC. Services include trustee and executor appointments, estate plan development guidance, and coordination with estate planning attorneys. For members with smaller estates, America First also partners with Trust & Will to offer 20% off online estate plans.
Yes. You can nominate America First as your local executor and successor trustee by naming Members Trust Company, with offices at America First Credit Union, in your estate planning documents. Contact a Trust Officer at 800-999-3961 for a consultation.
Each POD beneficiary you name on your account provides additional NCUA insurance coverage of up to $250,000 per beneficiary. This means naming multiple beneficiaries can significantly increase the total insured amount on your account, which is especially important for larger balances.
America First offers investment services through CUSO Financial Services, LP (CFS), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. CFS Financial Advisors can help with retirement planning, investment accounts, and trust services. Investment products are not NCUA insured and may involve risk of loss. Schedule a no-cost appointment by calling 800-999-3961.
IRA accounts (Traditional and Roth) cannot be retitled into a trust. Instead, you designate beneficiaries using AFCU Form #424, separate from the POD form used for deposit accounts. A trust can be named as an IRA beneficiary. IRA beneficiary designations override any will or trust provisions, so keeping them current is important.
America First has partnered with Trust & Will to offer members a simple and affordable way to create estate plans online. Members receive 20% off any estate plan and free shipping on the first document set, with discounts applied automatically at checkout. This option is designed for members with smaller estates who want to create trust or will documents online. For more complex estate planning, America First offers full trust services through Members Trust Company.
Certificate accounts at America First have their own POD beneficiary designation, separate from the share savings POD form (AFCU Form #40). If no certificate-specific POD beneficiary is designated, the share savings POD designation governs the certificate account. This means you should review beneficiary designations on each certificate account individually to ensure your wishes are carried out.
Sources
Data sourced from America First primary sources (16 pages reviewed). How we research.
Phone1-800-999-3961
Fax1-801-215-7332
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
WebsiteLearn more→
Trust Services (Members Trust Company)
Phone1-801-827-7379
Trust & Estate Consultations
WebsiteLearn more→
Death Claims / Estate Settlement
Phone1-800-999-3961
Mailing Address
America First Credit Union, P.O. Box 9199, Ogden, UT 84409
Verified Apr 2026
Estate planning articles
Learn how to protect your America First accounts and other assets with trusts, beneficiary designations, and estate planning documents.
