Holiday Closure

Holiday Closure

In observance of Pioneer Day, America First offices in Utah will be closed on Friday, July 24. Branches outside of Utah, our contact center, mobile & online banking, our ATMs, our virtual assistant, and SpeechAccess™ will still be available for your convenience. Please see our holiday schedule for a complete list of closure dates.

HOLIDAY HOURS
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Mortgage Refinance
Mortgage Refinance

Mortgage Refinance

Mortgage Refinance

Mortgage Refinance
Mortgage Refinance
Mortgage Refinance

Interested in lowering your monthly payment?

Begin your free consultation & get preapproved

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

Interested in lowering your monthly payment?

SEE OUR RATES
Mortgage Refinance

Begin your free consultation & get preapproved

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

For questions about refinancing your current mortgage or to get current refinance interest rates, please call 1-866-224-2157.

VIEW ALL RATES

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
5.625%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
5.952%
INTEREST RATE
5.75%
DISCOUNT POINTS
0.375%
APR* (AS LOW AS)
5.961%
INTEREST RATE
6.0%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
6.185%
INTEREST RATE
6.375%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
6.517%
PRODUCT INTEREST RATE DISCOUNT POINTS APR* (AS LOW AS)
10 Year Fixed 5.625% 0.5% 5.952%
15 Year Fixed 5.75% 0.375% 5.961%
20 Year Fixed 6.0% 0.5% 6.185%
30 Year Fixed 6.375% 0.5% 6.517%

* 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, July 17, 2026 02:56 PM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.

Government Refinance

OUR PRODUCTS
INTEREST RATE
5.875%
DISCOUNT POINTS
0.5%
APR* (AS LOW AS)
6.73%
INTEREST RATE
6.0%
DISCOUNT POINTS
0.0%
APR* (AS LOW AS)
6.446%
PRODUCT INTEREST RATE DISCOUNT POINTS APR* (AS LOW AS)
FHA 30 Year 5.875% 0.5% 6.73%
VA 30 Year 6.0% 0.0% 6.446%

* 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, July 17, 2026 10:10 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.

We're Here to Help You

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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. 

SEE WHAT WE CAN OFFER