Read Important Holiday Closure Information

Holiday Information

To observe Labor Day, all America First branches will be closed on Monday, September 07, 2015. Online & Mobile Banking, SpeechAccess™ and our ATMs will be available for your convenience.

Financial Counseling Services

The primary goal of America First Credit Union is to help each member achieve financial stability and well being. We recognize that from time to time everyone runs into some financial difficulties. America First is here to help you through your difficult financial situations, and help you develop a plan for future financial success with our FREE Financial Counseling Service.

Warning Signs of Financial Stress
Are you always late on paying bills or relying on grace periods?
Are you tapping into your savings to meet your monthly expenses?
Are you threatened with repossession of your car or foreclosure on your home?
Are you working overtime or a second job just to make ends meet?
Are you near or at your limit on lines of credit?
Can you only afford to make the minimum payment on charge accounts?
Are you borrowing to pay for items you used to buy with cash?
Are you regularly incurring overdraft fees on your checking account?
Are you considering bankruptcy?
Do you worry a lot about money?

If you are experiencing any of the "Warning Signs" of financial Stress listed above, or would just like some good solid advice on how to become financially successful then:

  1. Print and complete our Financial Budget Forms
  2. Call a Financial Counselor near you to schedule an appointment.
  • Cache, Morgan, Weber, and North Davis Counties: Jolene 801-827-8946
  • Tooele, South Davis, and Salt Lake Counties: Kathy 801-215-3060
  • Wasatch, Summit, Utah, and South Salt Lake Counties: Melissa 801-215-3228
  • All other areas call 800-999-3961 for a referral to assistance over the phone

Counseling services include:

  • Examination of your income and outgo.
  • Establishment of a workable, realistic budget, and savings plan.
  • Extension recommendations while urgent matters are settled.
  • Referral to outside resources that may benefit your situation.
  • Help in resolving and improving your credit.

The information you share is entirely confidential, and will never be given to any other person, employee, or company without your permission.

Other Resources:

AAA Fair Credit Foundation 1-800-351-4195

  • AAA Fair Credit Foundation is a non-profit credit counseling agency that can help our members negotiate a debt management plan for credit cards and unsecured debts without a set up fee.


  • PowerPay is an online debt management program created by the Utah State University Extension program to help families and individuals gain control of their consumer debts by providing a tool to help you eliminate debt more quickly.

Financial Tools & Forms:

Financial Articles Online:

Today's Lowest Rates

Type F/V Term APR
Auto Fixed 5 years 2.99%
Auto Variable 5 years 2.99%
RV Variable 12 years 3.50%
Rates Effective September 01, 2015
Mortgage Rates
Type Rate APR
15 Year Fixed 3% 3.0996%
30 Year Fixed 3.875% 3.932%
Rates Effective September 04, 2015

Mortgage Payment Example

Home Equity Rates
Type F/V Term APR
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs Home Equity Line 80% LTV Variable N/A 3.24%
Rates Effective September 01, 2015

HE Payment Example

Type   APR
platinum low rate Variable 6.99%
platinum rewards or cash back Variable 8.25%
classic standard rate Variable 10.50%
classic rewards or cash back Variable 12.25%
Rates Effective September 01, 2015
Certificate Rates
Type APY
12 Month Flexible 0.40%
3-5 Months 0.15%
6-11 Months 0.25%
12-23 Months 0.50%
24-29 Months 0.75%
30-35 Months 0.85%
36-47 Months 1.00%
48-59 Months 1.25%
60 Months 2.10%
Rates Effective September 02, 2015

View rates & terms