Consolidation Loans

Save money. Simplify your life. Consolidate your loans with America First. We offer instant online approvals & the best in member service. Plus, our four options can help you pay off your loans quicker and lower your existing monthly payments. An Auto Loan or a Home Equity Loan could be just the right answer for your credit consolidation needs.

Home Equity Consolidation

Rates as low as
2.49%
See how you could save $4,445
  • High credit limit potential
  • Line-of-credit & term loans
  • Terms from five to 20 years
  • Up to 100% financing
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Auto Loan Consolidation

Rates as low as
2.99%
See how you could save $4,313
  • New & used auto titles
  • Competitive rates
  • Terms up to seven years
  • 100% loan-to-value available
Apply Now

Visa Card Consolidation

Rates as low as
6.99%
See how you could save $3,213
  • Rewards & cash-back options
  • Free Picture Perfect card design
  • No annual fees
  • Low rates
Apply Now

Personal Loan Consolidation

Rates as low as
8.00%
See how you could save $2,925
  • No collateral required
  • Low fixed & variable rates
  • Terms up to 60 months
  • Online account management
Apply Now

Home Equity Lines of Credit

A line of credit lets you tap into the equity you've built in your home up to an approved limit. A fixed amount of money, up to 100% of your home's value (minus your current mortgage balance), is made available and you can draw from it as needed.

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Home Equity Loans

With this option, you can borrow up to 100% of your home's value, minus the balance of your current mortgage. You'll benefit from a low rate and you can choose a repayment term that is right for you, ranging from five to 20 years.

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Before Consolidation

Balance Rate Payment
Credit Card $3,000 18% $76.18
Credit Card $3,000 18% $76.18
Credit Card $1,500 15% $35.68
Credit Card $2,500 18% $63.48
TOTAL $10,000 $251.52
Total Interest Paid: $5,091.20


After Consolidation

Balance Rate Payment
Home Equity Loan $10,000 2.49% $177.43
Total Interest Paid: $645.77
Total Savings**: $4,445.43

Before Consolidation

Balance Rate Payment
Credit Card $3,000 18% $76.18
Credit Card $3,000 18% $76.18
Credit Card $1,500 15% $35.68
Credit Card $2,500 18% $63.48
TOTAL $10,000 $251.52
Total Interest Paid: $5,091.20


After Consolidation

Balance Rate Payment
Auto Loan $10,000 2.99% $179.64
Total Interest Paid: $778.55
Total Savings**: $4,312.65

Before Consolidation

Balance Rate Payment
Credit Card $3,000 18% $76.18
Credit Card $3,000 18% $76.18
Credit Card $1,500 15% $35.68
Credit Card $2,500 18% $63.48
TOTAL $10,000 $251.52
Total Interest Paid: $5,091.20


After Consolidation

Balance Rate Payment
Personal Loan $10,000 8.00% $202.76
Total Interest Paid: $2,165.84
Total Savings**: $2,925.36

Before Consolidation

Balance Rate Payment
Credit Card $3,000 18% $76.18
Credit Card $3,000 18% $76.18
Credit Card $1,500 15% $35.68
Credit Card $2,500 18% $63.48
TOTAL $10,000 $251.52
Total Interest Paid: $5,091.20


After Consolidation

Balance Rate Payment
Visa Card $10,000 6.99% $197.96
Total Interest Paid: $1,877.89
Total Savings**: $3,213.31

Consolidation Loans Rating


Today's 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 April 07, 2014
Mortgage Rates
Type Rate APR
15 Year Fixed 3.375% 3.4756%
30 Year Fixed 4.375% 4.4337%
Rates Effective April 23, 2014

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 First Mortgage 80% LTV Fixed 5 Yrs 3.24%
Rates Effective April 07, 2014

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 April 01, 2014
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 2.00%
Rates Effective April 23, 2014

View rates & terms