Secured Visa

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A Secured Visa Credit Card from America First gives you a low rate, the purchasing ability you need, and the chance to rebuild your credit. Plus, there's no annual fee. This unique option ties your spending limit to funds in a savings account*. Everyone needs the power of Visa and our secured card provides just that.

  • Beneficial features include:
    • No annual fee
    • Low rates
    • Credit limits from $200 to $15,000
    • And all that comes with a premier Visa card
When you choose Secured Visa, you'll also enjoy the following:
  • Personalized design - use Picture Perfect to create your own card with a photo of your choice.
  • Travel emergency assistance - Get these free services by calling 1-800-VISA-911:
    • Pre-trip assistance, including a list of required immunizations for the destination.
    • Medical emergency assistance will direct you to a hospital with a doctor who speaks English.
    • Translation assistance.
    • Lost luggage assistance.
    • ATM locations where funds can be advanced.
    • Roadside service (Visa will provide help at your location; however, you will have to pay for all services).
  • Auto rental insurance - Free coverage for any damage to a rental car when you pay with the Secured Visa Card.
  • Travel accident insurance - Free Accidental Death & Dismemberment coverage when you use the Secured Visa Card to book your travel.
Information for Current Cardholders:
  • Activate a new card: Call 1-800-562-1337 (24 hours a day, 7 days a week) from your home phone or 1-843-871-5095 from International locations
  • Report a lost or stolen card by contacting the Visa Department at 1-800-999-3961.
  • Increase your limit by completing our online loan application.
  • Ensure the use of your card before traveling by contacting the Visa Department at 1-800-999-3961.
  • Dispute a Visa purchase by faxing a signed form to 1-801-827-8089 for processing.

*Funds securing Secured Visa Cards are not available for use, but do accrue interest.

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 3.875% 3.932%
Rates Effective August 27, 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