Routing Number

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

  President's Day

To observe President's Day, all America First branches will be closed on Monday, February 15, 2016. Online & Mobile Banking, SpeechAccess™ and our ATMs will be available for your convenience. Please see our holiday schedule for a complete list of dates we will be closed.

Mortgage Loans

Get Into Your Dream House Today

Ready to buy or refinance a home? It's a big decision and you can trust America First to help you through the process, finding the loan that fits your financial goals.

Begin your free review & get preapproved.

  • Discover how much you can borrow.
  • View current rates.
  • Choose the right loan.
  • Find the lowest monthly payment.
  • No obligation.

Fixed-Rate Mortgages

  • Maintains original rate throughout its life.
  • Market fluctuations won't affect interest.
  • Ten-year, 15-year, 20-year, and 30-year fixed-rate mortgages.
  • Jumbo loans for homes costing more than $417,000.00.
  • Learn more.

Adjustable-Rate Mortgages

  • Interest rates are fixed for a period of three to 10 years, then adjust up or down depending on market conditions.
  • One-year ARM, 3/1-year ARM, and 5/1-year ARM options.
  • Learn More.

Government Loans

  • FHA 15-year fixed, FHA 30-year fixed, VA 15-year fixed, VA 30-year fixed.
  • Utah Housing options.
  • Learn More.

Construction & Lot Loans

Product Interest Rate Discount Points Origination Fee APR*
* Rates, fees, and Annual Percentage Rates (APRs) displayed are intended as mortgage market indicators only, are time-delayed, and may change without notice. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in Utah with a 40% down payment. The rate-lock period is 40 days and the assumed credit score is 740. Actual rates, fees, and APRs may vary based on these and other factors. There may be additional fees assessed by the investor that will increase the APR. All rates effective Thursday, February 11, 2016 9:07 AM MST.
10 Year Fixed 2.625% 0% 0.5% 2.769%
15 Year Fixed 2.625% 0% 0.5% 2.7235%
20 Year Fixed 3.125% 0% 0.5% 3.2022%
30 Year Fixed 3.375% 0% 0.5% 3.4304%

Loans for your Most Important Purchase

A Mortgage Loan is a big investment, and you'll want to be certain you have a trustworthy financial partner at your side. Look no further than your credit union.

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