America First Credit Union

The submission represents a legitimate, large-scale financial institution (America First Credit Union) but suffers critically from a low-quality, likely unauthorized entry. The description is Portuguese copy-text inconsistent with the US-based entity, and the 'FrostKeeper' alias combined with hyperbolic traction claims ('most people have used my product') undermines credibility. While the underlying entity has high real-world utility and reach, the submission's lack of verifiable detail, incorrect terminology (listing 'marketcap' for a member-owned credit union), and vagueness necessitate the lowest quality multipliers, resulting in a low score despite the brand's established status.