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Important Notice
  Holiday Closure

In honor of Martin Luther King, Jr. Day, America First offices will be closed on Monday, January 18. Online & mobile banking, SpeechAccess™ and our ATMs will be available for your convenience. Please see our holiday schedule for a complete list of closure dates.

  COVID-19 Economic Stimulus & SBA PPP Loan Updates

The IRS has created a webpage, called Get My Payment, where you can check the status of your stimulus payment. Click here to visit the official IRS page.

Additionally, get the latest information about SBA PPP loans and loan forgiveness here.

Main Content

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* As Low As Apply Online
CERTIFICATE SECURED Term of Certificate Certificate Rate + 3.00% Fixed
SHARE SECURED 10 Years 3.05% Variable
SHARE SECURED LINE OF CREDIT 3.1% Variable
*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 Friday,January 01,2021 and are subject to change.
*The Annual Percentage Rates (APRs) listed 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 Friday,January 01,2021 and are subject to change. Consumer Loans have a maximum APR of 18%.

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.