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Your Trusted Partner for Financial Services in Salt Lake City
American United Federal Credit Union has dedicated itself to empowering financial wellness since its founding. As a member-owned cooperative, we prioritize personalized service and community impact, offering tailored solutions for personal and business banking needs. Our expertise spans affordable auto loans, mortgage and home equity financing, competitive savings accounts, and comprehensive financial education programs. Through our GoldStar Membership tier and innovative digital tools like MoneyEdu, we help members build credit, manage debt, and achieve long-term financial stability.With physical branches and digital banking platforms serving Utah residents, we maintain rigorous security protocols and transparent fee structures to protect member assets. Our commitment to underserved communities is demonstrated through initiatives like no-payment deferral programs during emergencies and specialized support for first-time auto buyers. Backed by NCUA federal insurance and adherence to cooperative principles, we combine institutional reliability with localized service delivery to foster generational financial health.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Financial Education
Credit Cards
Business Banking
Wealth Management
Digital Banking
Loan Protections
Highlights and features
- NCUA-insured accounts protecting deposits up to $250,000
- GoldStar Membership tier with exclusive rate benefits
- Free financial education and debt management tools
- Specialized programs for first-time auto buyers
- 24/7 digital banking access with advanced security features
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Excellent customer service
Competitive rates
Financial education tools
Responsive support team
Services
Personal Checking Accounts
We offer diverse personal checking options including Primary Checking, ATM Checking, and rewards-focused GoldStar Membership accounts. Our services feature no minimum balance requirements, overdraft protection options, and Visa Debit Cards with fraud monitoring. Members benefit from mobile check deposit, bill pay systems, and access to 30,000+ surcharge-free ATMs through CO-OP Shared Banking.
Auto Loan Programs
Our auto lending solutions include new/used vehicle financing, RV loans, and specialized programs for first-time buyers. Features include 90-day payment deferral options, GAP protection, and competitive APRs starting at 5.49%. We offer refinancing assistance and CARFAX vehicle history reports to ensure informed purchasing decisions.
Financial Wellness Tools
MoneyEdu provides personalized financial planning resources, debt management calculators, and educational courses available online. Members access weekly financial wellness themes, credit-building strategies, and tools for creating estate planning documents through our partnership with Trust & Will.
Business Banking Services
Commercial solutions include Premier Business Checking with merchant services integration, SBA loan programs, and equipment financing. We offer commercial real estate loans, business credit cards with cash-back rewards, and remote deposit capture technology for efficient payment processing.
Savings Accounts
Our savings portfolio features tiered-yield Primary Savings, youth-focused accounts with educational incentives, and high-yield certificates. Members can choose from IRA certificates, money market accounts with check-writing privileges, and dedicated savings programs for specific financial goals.
People
Michael Johnson
Chief Executive Officer
Leading American United Federal Credit Union with 25 years of credit union experience, Michael prioritizes community empowerment through accessible financial services. He champions initiatives expanding financial literacy programs for underserved populations.
Sarah Williams
Chief Financial Officer
Sarah oversees financial strategy with expertise in cooperative finance models. She focuses on sustainable growth while maintaining competitive rates for members through responsible fund management practices.
Questions
What membership benefits are included with GoldStar status?
GoldStar Members receive preferential loan rates, reduced service fees, exclusive offers, and enhanced rewards on Visa debit transactions.
How do I access financial education resources?
MoneyEdu online tools and weekly financial wellness themes are available to all members at no additional cost through our website portal.
What loan protection options are available?
We offer Debt Protection, Guaranteed Asset Protection (GAP), and Mechanical Breakdown Protection for auto loans, with terms extending up to 6 months.
Can businesses access merchant services?
Yes, our Business Members receive integrated payment processing solutions including POS systems, payment gateways, and fraud prevention tools.
What emergency financial assistance options exist?
We provide payment deferral programs, skip-a-pay options, and reduced-rate loans for members facing financial hardship or government shutdown impacts.
How does remote deposit capture work?
Business customers can scan and deposit checks electronically using compatible scanners with our remote deposit software, available for $30 monthly fee.
Reviews (6)
Jason Thompson
Oct 24, 2021
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It's always a pleasure dealing with AMERICAN United. The staff is professional and will go above and beyond to help members. Thank you to Kent, you always come through for me.
Joe Russo
Sep 23, 2021
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Getting my loan refinanced with American United was easy and done in one day. Thank you for your help.
Rcmac
Jul 31, 2021
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I gave lived in multiple states and a few countries since I have been a member for the credit union. I have always been able to get all my banking needs handled in a timely and professional manner. Between there online services or a simple phone call from anywhere I have lived I have been taken care of. Will continue to be a member for as long as I can.
John Mortensen
Jun 18, 2021
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I have never been treated as kindly by any staff throughout the entire system as I was with AMUCU. Everyone went out of their way to make my loan simple, easy, fast, and efficient, yet with a personal, caring touch, a very hard thing to do. The rates and overall program are better than anywhere else , which is another plus, and there were no false promises made. I trust these people with 1005 of their word for integrity and honesty stand at the core of dealing with the military, as do personal service and going the extra military esprit d corps step.
Keli Griffin
Jun 16, 2021
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I have been treated with such kindness and understanding by the team at the Foothill Drive location (especially the manager Mr. Thompson). They have been able to take care of all my banking needs and make suggestions in order to keep my accounts secure and best serve my needs! I would definitely recommend them to any fellow Veteran who needs a bank they can trust.
Jacquilin DeWolf
Jun 11, 2021
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Of all the banks and credit unions I have been a member of, AMUCU is by far the best! They have reached out to me on several occasions in order to help my consolidate my debt, get the best account to suit my needs and income, as well as working with me during the hardship of the pandemic that caused my account to be overdrafted. Also, they have allowed me to build my credit by issuing me a credit card that I am able to pay off monthly, They have quite a few veterans as members, so they are familiar with some of the service-member specific scenarios we get ourselves into.
