Personal Accounts and Services

Personal Services

Checking & Savings

From completely free Checking with free Online Bill Pay, to long-term deposits, to Money Market Accounts, we have a full range of quality financial services that suit your situation. We also offer Certificate Accounts with terms that range from three months to five years.


Wherever you are in life, America First Credit Union has the loan to fit your needs. Whether you are purchasing a home, buying a car, or looking to get a Visa® Credit Card with great rewards, America First has loans that are right for you!


America First offers industry-leading - and free - online services and access to more than 28,000 no-cost CO-OP Network ATMs. We also provide you with free Mobile Banking on your smartphone, putting your credit union at your fingertips, no matter where your day takes you.

Visa Products

America First Visa cards give you the convenience you need, the low rates you want, and the freedom to choose from rewards and cash-back options. In addition, you can take advantage of free Picture Perfect customization, free electronic account management, and much more.

Today's Lowest Rates

Type F/V Term APR
Auto Fixed 5 years 2.99%
Auto Variable 5 years 2.99%
RV Variable 12 years 3.50%
Rates Effective August 01, 2015
Mortgage Rates
Type Rate APR
15 Year Fixed 3% 3.0996%
30 Year Fixed 3.75% 3.8066%
Rates Effective August 28, 2015

Mortgage Payment Example

Home Equity Rates
Type F/V Term APR
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs Home Equity Line 80% LTV Variable N/A 3.24%
Rates Effective August 01, 2015

HE Payment Example

Type   APR
platinum low rate Variable 6.99%
platinum rewards or cash back Variable 8.25%
classic standard rate Variable 10.50%
classic rewards or cash back Variable 12.25%
Rates Effective August 01, 2015
Certificate Rates
Type APY
12 Month Flexible 0.40%
3-5 Months 0.15%
6-11 Months 0.25%
12-23 Months 0.50%
24-29 Months 0.75%
30-35 Months 0.85%
36-47 Months 1.00%
48-59 Months 1.25%
60 Months 2.10%
Rates Effective August 26, 2015

View rates & terms