Certificate Secured Loans

Secure an affordable loan by borrowing against your America First Certificate Account. America First offers low interest rates - as low as 3.0% above your Certificate dividend - and flexible repayment terms that match your account's maturity. Plus, we'll provide financing within minutes, you can set up automatic payments and we'll deliver the quality member service that defines America First Credit Union.

Best of all, you'll still earn interest on your Certificate Account investment.


The Specifics:

  • Excludes IRA Certificate Accounts
  • Loans cannot exceed maximum Certificate Account values
  • The collateral is up to 90% of the Certificate Account value for due-in-full loans or 100% loan-to-value with regular monthly payments
  • Loans with payments may not exceed the Certificate maturity date
  • Ask a Member Service professional about exceptions
Product Term APR*
*Rates displayed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Rates and terms are accurate as of Tuesday, August 1, 2017 and are subject to change.
share secured line of credit   3.1% Variable
share secured 10 Years 3.1% Variable
personal Up to 5 years 8.49% Variable
personal Up to 5 years 9.49% Fixed
line of credit Monthly Payment = 3.5% of balance 13.24% Variable
certificate secured Term of Certificate Certificate Rate + 3.00%

Secured Loans with Low Rates, Peace of Mind

You can borrow against your America First Certificate Account at an affordable rate and with friendly terms.

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