Holiday Closure

Holiday Closure

In observance of Juneteenth, America First offices will be closed on Friday, June 19. Mobile & online banking, our ATMs, our virtual assistant, and SpeechAccess™ will be available for your convenience. Please see our holiday schedule for a complete list of our closure dates.

HOLIDAY HOURS
“

Never click on unsolicited links.

Check for official website URL before entering your password or information.

Don’t respond to suspicious texts, emails or calls.

AFCU Container Background
AFCU Container Background Arcs
Home Equity Loans
Home Equity Loans

Home Equity Loans

APPLY NOW
REQUEST A CALL

Home Equity Loans

APPLY NOW
REQUEST A CALL
Home Equity Loans
Home Equity Loans
An image of a man and woman planning home rennovations.

New 15-Year Fixed Home Equity Loan

Our new 15-Year Fixed Home Equity Loan can help you tap into your home’s value to get the cash you need with a great rate, longer term, and lower monthly payment. 

APPLY NOW

New 15-Year Fixed Home Equity Loan

APPLY NOW
An image of a man and woman planning home rennovations.

Our new 15-Year Fixed Home Equity Loan can help you tap into your home’s value to get the cash you need with a great rate, longer term, and lower monthly payment. 

Consolidation Loans

Make Your Home’s Equity Work for You

America First can help you find affordable financing solutions that fit your specific needs. Our hassle-free home equity loans provide funds in one-lump sum. Use that extra cash to turn your house into a dream home, take a family vacation, pay for an education, or whatever else you may need.

SEE OUR RATES

Make Your Home’s Equity Work for You

SEE OUR RATES
Consolidation Loans

America First can help you find affordable financing solutions that fit your specific needs. Our hassle-free home equity loans provide funds in one-lump sum. Use that extra cash to turn your house into a dream home, take a family vacation, pay for an education, or whatever else you may need.

Group 25

Maximize your Investment

“

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

Man

Take Advantage Of The Value You've Been Building

“

Make the most of your home's equity by taking advantage of the value you've been building. Our no closing costs option for homeowners with significant equity lets you borrow the resources you need, at rates & terms that make sense for your budget. We also offer home equity loans that allow you to use up to 100% of your home's value.

APPLY TODAY
“
  • Learn more about our wide array of home equity options.
  • Refinance your existing home equity loan at a lower rate.
  • Use our financial calculators to determine your best deal.
  • Rates are applicable to both primary and secondary residences.

“
  • Competitive interest rates
  • Interest paid may be tax-deductible*
  • Free financial calculators

Applicable terms and conditions

  • Minimum $5,000 loan amount.
  • Reimbursement fee of up to $250 if loan is reconveyed within 24 months.  
  • Home must be located in the state of Utah, Idaho, 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.

Documents that will help expedite the review process

  • 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
  • Competitive interest rates
  • Interest paid may be tax-deductible*
  • Free financial calculators

Applicable terms and conditions

  • Loans over $300,000 are approved on a case by case basis.
  • Minimum $5,000 loan amount.
  • Closing costs are assessed if an appraisal is requested.
  • Line of credit also available.
  • Reimbursement fee of up to $250 if loan is reconveyed within 24 months.  
  • Home must be located in the state of Utah, Idaho, 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.

Documents that will help expedite the review process

  • 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
“

*Please consult a tax advisor regarding the tax deductibility of interest and charges related to your Home Equity Loan.

Today's Rates
APR as low as
6.89%
Home Equity - 5 Yr Fixed
No Closing Costs Home Equity Loan 50% LTV
Today's Rates
APR as low as
8.24%
Home Equity - 0 Yr Fixed
No Closing Costs Home Equity Loan 80% LTV Balloon
Today's Rates
APR as low as
10.49%
Home Equity - 15 Yr Fixed
Home Equity Loan 100% LTV
OUR PRODUCTS
TERM
5 Years
APR* (AS LOW AS)
6.89% Fixed
TERM
10 Years
APR* (AS LOW AS)
9.49% Fixed
TERM
10 Years
APR* (AS LOW AS)
6.99% Fixed
TERM
15 Years
APR* (AS LOW AS)
10.49% Fixed
TERM
20/5 Years
APR* (AS LOW AS)
8.24% Fixed

* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, January 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.

PRODUCT TERM APR* (AS LOW AS)
No Closing Costs Home Equity Loan 50% LTV 5 Years 6.89% Fixed
Home Equity Loan 100% LTV 10 Years 9.49% Fixed
No Closing Costs Home Equity Loan 50% LTV 10 Years 6.99% Fixed
Home Equity Loan 100% LTV 15 Years 10.49% Fixed
No Closing Costs Home Equity Loan 80% LTV Balloon 20/5 Years 8.24% Fixed
* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, January 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.

* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, January 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.

* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, January 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.

We're Here to Help You

“

At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

SEE WHAT WE CAN OFFER