* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Monday, May 12, 2025 01:47 PM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
Auto Loan Rates
OUR PRODUCTS
TERM
5 Years
APR* (AS LOW AS)
5.74% Fixed
TERM
5 Years
APR* (AS LOW AS)
5.99% Fixed
TERM
6 Years
APR* (AS LOW AS)
5.99% Fixed
TERM
7 Years
APR* (AS LOW AS)
6.74% Fixed
TERM
8 Years
APR* (AS LOW AS)
8.49% Fixed
* Annual percentage rate, on approved credit, subject to change. This APR is the lowest for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Tuesday, April 15, 2025.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| Auto Loan | 5 Years | 5.74% Fixed |
| Auto Loan - Declining Rate Auto | 5 Years | 5.99% Fixed |
| Auto Loan | 6 Years | 5.99% Fixed |
| Auto Loan | 7 Years | 6.74% Fixed |
| Auto Loan - (Minimum Loan Amount of $30,000 Required) | 8 Years | 8.49% Fixed |
| * Annual percentage rate, on approved credit, subject to change. This APR is the lowest for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Tuesday, April 15, 2025. | ||
Loan Calculator
“
Use our helpful tool to estimate your potential monthly payments, then contact one of our auto loan professionals to get started.
$
Years
%
Motorcycle Loan Rates
OUR PRODUCTS
TERM
7 Years
APR* (AS LOW AS)
8.14% Fixed
TERM
10 Years
APR* (AS LOW AS)
8.14% Fixed
TERM
15 Years
APR* (AS LOW AS)
8.39% Fixed
* The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| MOTORCYCLE | 7 Years | 8.14% Fixed |
| MOTORCYCLE - (Minimum Loan Amount of $20,000 Required) | 10 Years | 8.14% Fixed |
| MOTORCYCLE - (Minimum Loan Amount of $25,000 Required) | 15 Years | 8.39% Fixed |
| * The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
“
Use our helpful tool to estimate your potential monthly payments, then contact one of our auto loan professionals to get started.
$
Years
%
ATV Loan Rates
OUR PRODUCTS
TERM
7 Years
APR* (AS LOW AS)
8.14% Fixed
* The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| ATV / SMALL WATERCRAFT / SNOWMOBILE | 7 Years | 8.14% Fixed |
| * The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
“
Use our helpful tool to estimate your potential monthly payments, then contact one of our auto loan professionals to get started.
$
Years
%
RV Loan Rates
OUR PRODUCTS
TERM
10 Years
APR* (AS LOW AS)
7.99% Fixed
TERM
15 Years
APR* (AS LOW AS)
8.24% Fixed
TERM
20 Years
APR* (AS LOW AS)
8.24% Fixed
* The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| NEW/USED RV | 10 Years | 7.99% Fixed |
| NEW/USED RV | 15 Years | 8.24% Fixed |
| NEW/USED RV BALLOON 10/20 | 20 Years | 8.24% Fixed |
| * The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
“
Use our helpful tool to estimate your potential monthly payments, then contact one of our auto loan professionals to get started.
$
Years
%
Boat Loan Rates
OUR PRODUCTS
TERM
15 Years
APR* (AS LOW AS)
8.24% Fixed
TERM
7 Years
APR* (AS LOW AS)
8.14% Fixed
TERM
12 Years
APR* (AS LOW AS)
8.24% Fixed
* The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| NEW/USED BOAT | 15 Years | 8.24% Fixed |
| ATV / SMALL WATERCRAFT / SNOWMOBILE | 7 Years | 8.14% Fixed |
| NEW/USED BOAT | 12 Years | 8.24% Fixed |
| * The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
“
Use our helpful tool to estimate your potential monthly payments, then contact one of our auto loan professionals to get started.
$
Years
%
Mortgage Loan Rates
Current Rates
OUR PRODUCTS
INTEREST RATE
6.625%
DISCOUNT POINTS
0.375%
APR* (AS LOW AS)
6.757%
INTEREST RATE
6.125%
DISCOUNT POINTS
0.25%
APR* (AS LOW AS)
6.279%
INTEREST RATE
5.750%
DISCOUNT POINTS
0.625%
APR* (AS LOW AS)
6.001%
INTEREST RATE
5.500%
DISCOUNT POINTS
0.625%
APR* (AS LOW AS)
5.854%
| PRODUCT | INTEREST RATE | DISCOUNT POINTS | APR* (AS LOW AS) |
|---|---|---|---|
| 30 Year Fixed | 6.625% | 0.375% | 6.757% |
| 20 Year Fixed | 6.125% | 0.25% | 6.279% |
| 15 Year Fixed | 5.750% | 0.625% | 6.001% |
| 10 Year Fixed | 5.500% | 0.625% | 5.854% |
Government Rates
OUR PRODUCTS
INTEREST RATE
6.125%
DISCOUNT POINTS
0.25%
APR* (AS LOW AS)
6.963%
INTEREST RATE
6.25%
DISCOUNT POINTS
0.125%
APR* (AS LOW AS)
6.715%
INTEREST RATE
6.875%
DISCOUNT POINTS
0.0%
APR* (AS LOW AS)
7.714%
INTEREST RATE
6.875%
DISCOUNT POINTS
0.0%
APR* (AS LOW AS)
7.345%
| PRODUCT | INTEREST RATE | DISCOUNT POINTS | APR* (AS LOW AS) |
|---|---|---|---|
| FHA 30 Year | 6.125% | 0.25% | 6.963% |
| VA 30 Year | 6.25% | 0.125% | 6.715% |
| Utah Housing FHA | 6.875% | 0.0% | 7.714% |
| Utah Housing VA | 6.875% | 0.0% | 7.345% |
* Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI). All rates are effective as of Monday, May 12, 2025 07:02 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
“
Get Your Personalized Quote Today
This financial calculator is an internet-based application intended to help you analyze your financial needs and is for informational purposes only. It does not guarantee a specific rate, term or payment. The results are not provided or reviewed by America First Credit Union and should not be construed as financial, legal or tax advice. In addition, this data should not be relied upon as the only source of information. Consult an America First loan officer for accurate rates, terms and payment estimates.
While this calculator offers general estimate information, America First may not have a loan scenario that fits the criteria you have entered. For specific inquiries regarding your situation, please call 1-866-224-2157 to speak with a mortgage representative.
Your Customized Estimate is on its Way
Consulting with title company for Title fees.
Consulting with Insurance company for Insurance fees.
Estimated Monthly Payment
$
Fee Details
Total Estimated Closing Costs
$
*
Payment Details
Monthly Principal & Interest
$
Mortgage Insurance (if applicable)
$
APR
%
$
$
Construction & Lot Loan Rates
OUR PRODUCTS
INTEREST RATE
6.24
DISCOUNT POINTS
0
APR* (AS LOW AS)
10.19
INTEREST RATE
6.24
DISCOUNT POINTS
0
APR* (AS LOW AS)
11.762
INTEREST RATE
6.24
DISCOUNT POINTS
0
APR* (AS LOW AS)
6.82
INTEREST RATE
6.49
DISCOUNT POINTS
0
APR* (AS LOW AS)
7.008
INTEREST RATE
6.49
DISCOUNT POINTS
0
APR* (AS LOW AS)
7.052
INTEREST RATE
6.74
DISCOUNT POINTS
0
APR* (AS LOW AS)
7.28
INTEREST RATE
6.99
DISCOUNT POINTS
0
APR* (AS LOW AS)
7.476
INTEREST RATE
6.99
DISCOUNT POINTS
0
APR* (AS LOW AS)
7.476
* Interest rates and Annual Percentage Rates (APRs) listed are the lowest offered and are based on approved credit. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Wednesday, April 23, 2025 12:00 AM MST.
| PRODUCT | INTEREST RATE | DISCOUNT POINTS | APR* (AS LOW AS) |
|---|---|---|---|
| Home Construction - Contractor Built | 6.24% | 0 % | 10.19% |
| Home Construction- Self Built | 6.24% | 0 % | 11.762% |
| Lot Loan- 20/5YR Balloon Variable | 6.24% | 0 % | 6.82% |
| Lot Loan- 10 Year Variable | 6.49% | 0 % | 7.008% |
| Lot Loan- 30/5YR Balloon Variable | 6.49% | 0 % | 7.052% |
| Lot Loan- 20/5YR Balloon Fixed | 6.74% | 0 % | 7.28% |
| Lot Loan- 10 Year Fixed | 6.99% | 0 % | 7.476% |
| Lot Loan- 30/5YR Balloon Fixed | 6.99% | 0 % | 7.476% |
| * Interest rates and Annual Percentage Rates (APRs) listed are the lowest offered and are based on approved credit. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%. All rates effective as of Wednesday, April 23, 2025 12:00 AM MST. | |||
Home Equity Line of Credit Rates
OUR PRODUCTS
TERM
5 Years
APR* (AS LOW AS)
6.99% Variable
TERM
5 Years
APR* (AS LOW AS)
7.24% Variable
TERM
APR* (AS LOW AS)
7.99% Variable
TERM
APR* (AS LOW AS)
8.24% Variable
TERM
APR* (AS LOW AS)
12.99% Variable
* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Tuesday, May 06, 2025 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| No Closing Costs Fixed For 5 HELOC 50% LTV | 5 Years | 6.99% Variable |
| No Closing Costs Fixed For 5 HELOC 80% LTV | 5 Years | 7.24% Variable |
| No Closing Costs Home Equity Line 50% LTV | 7.99% Variable | |
| No Closing Costs Home Equity Line 80% LTV | 8.24% Variable | |
| Home Equity Line 100% LTV | 12.99% Variable | |
| * The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Tuesday, May 06, 2025 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. | ||
Home Equity Loan Rates
OUR PRODUCTS
TERM
5 Years
APR* (AS LOW AS)
7.24% Fixed
TERM
10 Years
APR* (AS LOW AS)
7.49% Fixed
TERM
20/5 Years
APR* (AS LOW AS)
8.49% Fixed
TERM
5 Years
APR* (AS LOW AS)
8.49% Fixed
TERM
15 Years
APR* (AS LOW AS)
8.49% Fixed
TERM
10 Years
APR* (AS LOW AS)
8.74% Fixed
TERM
10 Years
APR* (AS LOW AS)
9.49% Fixed
TERM
15 Years
APR* (AS LOW AS)
9.74% Fixed
TERM
15 Years
APR* (AS LOW AS)
10.49% Fixed
* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Tuesday, May 06, 2025 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| No Closing Costs Home Equity Loan 80% LTV | 5 Years | 7.24% Fixed |
| No Closing Costs Home Equity Loan 80% LTV | 10 Years | 7.49% Fixed |
| No Closing Costs Home Equity Loan 80% LTV Balloon | 20/5 Years | 8.49% Fixed |
| Home Equity Loan 90% LTV | 5 Years | 8.49% Fixed |
| No Closing Costs Home Equity Loan 80% LTV | 15 Years | 8.49% Fixed |
| Home Equity Loan 90% LTV | 10 Years | 8.74% Fixed |
| Home Equity Loan 100% LTV | 10 Years | 9.49% Fixed |
| Home Equity Loan 90% LTV | 15 Years | 9.74% Fixed |
| Home Equity Loan 100% LTV | 15 Years | 10.49% Fixed |
| * The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Tuesday, May 06, 2025 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. | ||
Home Equity (First Mortgage) - No Closing Cost Rates
OUR PRODUCTS
TERM
5 Years
APR* (AS LOW AS)
5.24% Fixed
TERM
5 Years
APR* (AS LOW AS)
5.49% Fixed
TERM
7 Years
APR* (AS LOW AS)
5.49% Fixed
TERM
7 Years
APR* (AS LOW AS)
5.74% Fixed
TERM
10 Years
APR* (AS LOW AS)
5.99% Fixed
TERM
10 Years
APR* (AS LOW AS)
5.74% Fixed
TERM
12 Years
APR* (AS LOW AS)
6.49% Fixed
TERM
12 Years
APR* (AS LOW AS)
6.24% Fixed
TERM
15 Years
APR* (AS LOW AS)
6.74% Fixed
TERM
15 Years
APR* (AS LOW AS)
6.99% Fixed
TERM
20/5 Years
APR* (AS LOW AS)
6.24% Fixed
* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Tuesday, May 06, 2025 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| No Closing Costs First Mortgage 50% LTV | 5 Years | 5.24% Fixed |
| No Closing Costs First Mortgage 80% LTV | 5 Years | 5.49% Fixed |
| No Closing Costs First Mortgage 50% LTV | 7 Years | 5.49% Fixed |
| No Closing Costs First Mortgage 80% LTV | 7 Years | 5.74% Fixed |
| No Closing Costs First Mortgage 80% LTV | 10 Years | 5.99% Fixed |
| No Closing Costs First Mortgage 50% LTV | 10 Years | 5.74% Fixed |
| No Closing Costs First Mortgage 80% LTV | 12 Years | 6.49% Fixed |
| No Closing Costs First Mortgage 50% LTV | 12 Years | 6.24% Fixed |
| No Closing Costs First Mortgage 50% LTV | 15 Years | 6.74% Fixed |
| No Closing Costs First Mortgage 80% LTV | 15 Years | 6.99% Fixed |
| No Closing Costs First Mortgage 80%LTV/Balloon | 20/5 Years | 6.24% Fixed |
| * The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Tuesday, May 06, 2025 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months. | ||
Personal Loan Rates
OUR PRODUCTS
TERM
1 Years
APR* (AS LOW AS)
12.49% Fixed
APPLY ONLINE
TERM
Monthly Payment = 3.5% of balance
APR* (AS LOW AS)
16.74% Variable
APPLY ONLINE
TERM
APR* (AS LOW AS)
3.05% Variable
APPLY ONLINE
*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 Tuesday, April 15, 2025, 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 | |
| CERTIFICATE SECURED | Certificate Rate + 3.00% Fixed | ||
| LINE OF CREDIT | Monthly Payment = 3.5% of balance | 16.74% Variable | |
| SHARE SECURED | 10 Years | 3.05% Variable | |
| SHARE SECURED LINE OF CREDIT | 3.05% Variable | ||
| *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 Tuesday, April 15, 2025, 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
“
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.
Latest News
Upcoming Events
May 14, 2025
May 15, 2025