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Certificate Secured Loans
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Personal Loans

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Personal Loans

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Certificate Secured Loans
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Personal Loans
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Customized Financing

Life's constant changes demand that you have financial flexibility, and there's no easier way to get that wiggle room than an America First personal loan. And you can get an even lower interest rate when you secure your loan with a Share Savings or certificate account.

SEE OUR RATES

Customized Financing

SEE OUR RATES
Personal Loans
sq-personal-loans

Life's constant changes demand that you have financial flexibility, and there's no easier way to get that wiggle room than an America First personal loan. And you can get an even lower interest rate when you secure your loan with a Share Savings or certificate account.

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Personal Loans for Personal Needs

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Life is complicated, but America First can help you keep pace with low-rate Personal Loans.

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Funds Your Way

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With a solid credit score, your personal loan from America First can be used for any expense and they offer many different benefits.

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  • Flexibility to use your loan for any expense - from vacations to special purchases.
  • Simplify your life and budget by consolidating bills and having a single payment.
  • Quick loan approval to help handle emergencies with ease.
  • Flexible terms available up to 60 months.
  • Save money with our low and competitive rates.
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Check Your Application Status

Get updates on the status of new America First account and loan applications. You can also securely send us new account or loan documents through this portal, excluding mortgages, construction financing, and commercial lending.

LEARN MORE

Check Your Application Status

LEARN MORE
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app-status

Get updates on the status of new America First account and loan applications. You can also securely send us new account or loan documents through this portal, excluding mortgages, construction financing, and commercial lending.

OUR PRODUCTS
TERM
1 Years
APR* (AS LOW AS)
12.49% Fixed
APPLY ONLINE
APPLY NOW
TERM
Monthly Payment = 3.5% of balance
APR* (AS LOW AS)
16.49% Variable
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APPLY NOW
TERM
APR* (AS LOW AS)
Certificate Rate + 3.00% Fixed
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APPLY NOW
TERM
10 Years
APR* (AS LOW AS)
3.05% Variable
APPLY ONLINE
APPLY NOW
TERM
APR* (AS LOW AS)
3.05% Variable
APPLY ONLINE
APPLY NOW

*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. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.

PRODUCT TERM APR* (AS LOW AS) APPLY ONLINE
PERSONAL 1 Years 12.49% Fixed
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LINE OF CREDIT Monthly Payment = 3.5% of balance 16.49% Variable
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CERTIFICATE SECURED Certificate Rate + 3.00% Fixed
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SHARE SECURED 10 Years 3.05% Variable
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SHARE SECURED LINE OF CREDIT 3.05% Variable
APPLY NOW
*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. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.

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