* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Friday, June 05, 2026 03:01 PM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
Government Loans
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- FHA 15-year fixed, FHA 30-year fixed, VA 15-year fixed, VA 30-year fixed
- Utah Housing options
Construction & Lot Loans
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- Building lot loans
- Home construction program.
Refi Rates
OUR PRODUCTS
INTEREST RATE
5.5%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
5.826%
INTEREST RATE
5.625%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
5.855%
INTEREST RATE
6.0%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
6.185%
INTEREST RATE
6.375%
DISCOUNT POINTS
0.375%
APR* (AS LOW AS)
6.505%
| PRODUCT | INTEREST RATE | DISCOUNT POINTS | APR* (AS LOW AS) |
|---|---|---|---|
| 10 Year Fixed | 5.5% | 0.5% | 5.826% |
| 15 Year Fixed | 5.625% | 0.5% | 5.855% |
| 20 Year Fixed | 6.0% | 0.5% | 6.185% |
| 30 Year Fixed | 6.375% | 0.375% | 6.505% |
Government Refinance
OUR PRODUCTS
INTEREST RATE
5.875%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
6.73%
INTEREST RATE
6.0%
DISCOUNT POINTS
0.125%
APR* (AS LOW AS)
6.458%
| PRODUCT | INTEREST RATE | DISCOUNT POINTS | APR* (AS LOW AS) |
|---|---|---|---|
| FHA 30 Year | 5.875% | 0.5% | 6.73% |
| VA 30 Year | 6.0% | 0.125% | 6.458% |
* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Friday, June 05, 2026 08:47 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
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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.
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