Routing Number

It's tax season - America First's Routing Number is 324377516. Click here for details.

Home Equity Line Of Credit

Home Equity Line Of Credit

The no closing costs line lets you draw from up to 80% of your home's value as needed. The home equity line of credit gives you access to up to 100% of your residence's value (minus your mortgage) to draw from as projects arise.


Fixed For Five Home Equity Line

Ideal for members with at least 20% equity in their home who prefer rates staying fixed throughout their loans' terms. This unique, no-closing-costs line starts with a low rate based on Prime. At the end of the initial five-year period, the rate adjusts, then stays fixed for another five years. This is a great way to fund improvements you plan to pay for quickly or invest in whatever your family needs, with peace of mind regarding market fluctuations.

  • No closing costs
  • High credit-limit potential
  • Low FIXED interest rates
  • Interest paid may be tax-deductible
  • Low monthly payment: $50 or 1.25% of the outstanding balance, whichever is greater
  • Free financial calculators
  • Minimum $5,000 loan amount
  • Up to 15-year fixed or variable annual percentage rate (APR) loan, up to 20-year balloon fixed APR loans available
  • Variable-rate loans may not exceed maximum APR of 18%
  • Fee of $250 if loan is reconveyed within 24 months
  • Home must be located in the state of Utah, Arizona or Nevada
  • Homeowner must provide evidence of adequate insurance before disbursal of funds
  • Federal law requires a three-business-day rescission period. Upon expiration of said rescission period, funds will be disbursed unless America First Federal Credit Union receives written notice that the right to rescind has been exercised by any party with that right.
  • Income verification
  • Two years of tax returns (if self-employed)
  • A current statement showing the balance of your first mortgage
  • This year's property tax notice or current appraisal
  • Homeowner's insurance statement

No Closing Costs Home Equity Line

This option is ideal if you prefer easy access to your funds and the ability to draw as you see fit. And you can do it with no closing costs. You can borrow up to 80% of your home's value, minus your mortgage balance. Other benefits are:

  • No closing costs
  • High credit-limit potential
  • Low variable interest rates
  • Interest paid may be tax-deductible
  • Low monthly payment: $50 or 1.25% of the outstanding balance, whichever is greater
  • Free financial calculators
  • Minimum $5,000 loan amount
  • Up to 15-year fixed or variable annual percentage rate (APR) loan, up to 20-year balloon fixed APR loans available
  • Variable-rate loans may not exceed maximum APR of 18%
  • Fee of $250 if loan is reconveyed within 24 months
  • Home must be located in the state of Utah, Arizona or Nevada
  • Homeowner must provide evidence of adequate insurance before disbursal of funds
  • Federal law requires a three-business-day rescission period. Upon expiration of said rescission period, funds will be disbursed unless America First Federal Credit Union receives written notice that the right to rescind has been exercised by any party with that right.
  • Income verification
  • Two years of tax returns (if self-employed)
  • A current statement showing the balance of your first mortgage
  • This year's property tax notice or current appraisal
  • Homeowner's insurance statement

Home Equity Line Of Credit

With this loan, you can borrow up to 100% of your home's value, minus your mortgage balance. Credit limits are a generous $25,000, which means you'll have the resources you need... when you need them. Advantages include:

  • Access to all your hard-earned equity: use 100% of your home's value, up to $25,000
  • Low variable interest rates
  • Interest paid may be tax-deductible
  • Low monthly payment: $50 or 1.25% of the outstanding balance, whichever is greater
  • Free financial calculators
  • Minimum $5,000 loan amount
  • Up to 15-year fixed or variable annual percentage rate (APR) loan, up to 20-year balloon fixed APR loans available
  • Variable-rate loans may not exceed maximum APR of 18%
  • Fee of $250 if loan is reconveyed within 24 months
  • Home must be located in the state of Utah, Arizona or Nevada
  • Homeowner must provide evidence of adequate insurance before disbursal of funds
  • Federal law requires a three-business-day rescission period. Upon expiration of said rescission period, funds will be disbursed unless America First Federal Credit Union receives written notice that the right to rescind has been exercised by any party with that right.
  • Income verification
  • Two years of tax returns (if self-employed)
  • A current statement showing the balance of your first mortgage
  • This year's property tax notice or current appraisal
  • Homeowner's insurance statement
Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, February 1, 2016 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months.
Home Equity Line 100% LTV   9.5% Variable
No Closing Costs Home Equity Line 50% LTV   2.99% Variable
No Closing Costs Home Equity Line 50% LTV 5 Years 3.49% Fixed
No Closing Costs Home Equity Line 80% LTV   3.24% Variable
No Closing Costs Home Equity Line 80% LTV 5 Years 3.74% Fixed

Maximize your Investment

Make the most of the equity you've been building with our loans and lines of credit.

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