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We’re Here to Help

America First is committed to the well-being of our community, especially during situations like the COVID-19 pandemic. We understand that economic issues may occur in the lives of our members during this unprecedented time. We encourage you to contact an America First member service representative via chat in online banking or by calling our member service center at 1-800-999-3961 to discuss your specific situation.

Regular member service center hours are:

  • Monday through Friday – 8 a.m. to 8 p.m. MT
  • Saturday – 8 a.m. to 7 p.m. MT

America First has several options to assist you, such as:

America First offers a variety of digital services that give you simple, secure, seamless access to your account, without having to visit a branch. These include options such as online banking, our free mobile banking app, and convenient digital loan applications. These services are easy to use and feature top-notch security and cutting-edge technology.

To learn more about our digital banking services, click here.

We have a team of trained professionals who are ready to help members navigate turbulent times. This service is free & completely confidential. After a quick examination of your income and outgoing expenses, we’ll help you establish a realistic budget & savings plan. We’ll also see if we can get you extensions while urgent matters are settled and refer you to outside resources that could offer additional help.

To request an appointment call our member service center or click here.

If you need to get caught up on your bills, we offer the option to skip up to two loan payments to help you save some money. We’re also currently waiving our standard $25 fee on this service. To see if you qualify, click the Skip-A-Payment link in online banking or call our member service center.

Relief Loans

A short-term loan can help bridge the gap between times of uncertainty and the return of a steady income. This financial boost can help make sure your needs and the needs of your family are met when your cashflow is limited.

  • Emergency Assistance Loan - America First Credit Union’s Emergency Assistance Loan is offered to help cover short-term wage loss for members who have been affected by an unexpected loss of income due to an emergency. Call our member service center for more information or to apply.
  • Home Equity Line Of Credit – A Home Equity Line Of Credit Is an open-ended loan that lets you utilize the value of your home to borrow as much or as little as you need. Fill out an online application and you could be approved instantly.
  • Loan Consolidation – If you’re feeling overwhelmed with too many debts, you can lump them together into one simple payment with a consolidation loan. See the different debt consolidation options by clicking here or call our member service center.
  • Personal Loan – A personal loan gives you financial flexibility when you need it and can be used for almost anything. Apply online or call our service center to see what kind of personal loan options are available for you.

If you’re a business owner and looking for help adapting your company to the current circumstances, click here for information on America First business resources.

Homeowner Mortgage Relief

Homeowners whose loans are owned by Fannie Mae or Freddie Mac and are affected by the coronavirus may be eligible to receive a forbearance on their monthly mortgage payments for a period of 1 to 12 months. This program is being offered for mortgages that are owned by Fannie Mae or Freddie Mac and are serviced by America First Credit Union.

  • No payment is required during the forbearance period
  • No late charges will be assessed due to non-payment
  • Credit bureau reporting of past due payments for borrowers on a forbearance plan associated with the coronavirus will be suspended

For questions regarding your loan’s eligibility for this program, and to see if your mortgage is held by Fannie Mae, Freddie Mac, or America First Credit Union, please contact our mortgage servicing department by calling 801-827-6671.

Let Our Services Help You

America First offers a variety of products & services to assist our members achieve financial well-being. Here are a few options that we feel might be able to help you during this time.

To help you get the vehicle you need, we’re offering no payments* for 90 days on our low-rate auto loans. Or you can refinance with us for more affordable payments & better terms.

*Eligibility & conditions apply.

Take advantage of an introductory rate as low as 1.99% APR* for the first six months when you open a home equity line of credit. It’s a great way to get the cash you need, when you need it.

Increase your spending power with an America First Visa, with rates that start at as low as 6.99% APR* as well as rewards or cash-back options.

*Annual percentage rate, on approved credit, subject to change.

America First checking provides quick & simple access to your money. You’ll have unlimited transactions, pay no low-balance fees, and earn competitive dividends on balances.