Auto Loan Rates
* 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 Friday, February 14, 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 Friday, February 14, 2025. | ||
Loan Calculator
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Motorcycle Loan Rates
* 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 Friday, February 14, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%.
| PRODUCT | TERM | APR* (AS LOW AS) |
|---|---|---|
| MOTORCYCLE | 7 Years | 8.24% Fixed |
| MOTORCYCLE - (Minimum Loan Amount of $20,000 Required) | 10 Years | 8.24% Fixed |
| MOTORCYCLE - (Minimum Loan Amount of $25,000 Required) | 15 Years | 8.49% 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 Friday, February 14, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
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ATV Loan Rates
* 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 Friday, February 14, 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 | 8.24% 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 Friday, February 14, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
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RV Loan Rates
* 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 Friday, February 14, 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 Friday, February 14, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
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Boat Loan Rates
* 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 Friday, February 14, 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 |
| NEW/USED BOAT | 12 Years | 8.24% Fixed |
| ATV / SMALL WATERCRAFT / SNOWMOBILE | 7 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 Friday, February 14, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Loan Calculator
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Mortgage Loan Rates
Current Rates
* 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 Wednesday, March 12, 2025 12:00 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
| PRODUCT | INTEREST RATE | DISCOUNT POINTS | APR* (AS LOW AS) |
|---|---|---|---|
| 10 Year Fixed | 5.5% | 0 % | 5.707% |
| 15 Year Fixed | 5.875% | -0.25 % | 6.022% |
| 20 Year Fixed | 6.125% | -0.25 % | 6.243% |
| 30 Year Fixed | 6.5% | 0 % | 6.591% |
| * 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 Wednesday, March 12, 2025 12:00 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges. | |||
Government Rates
* 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 Wednesday, March 12, 2025 12:00 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
| PRODUCT | INTEREST RATE | DISCOUNT POINTS | APR* (AS LOW AS) |
|---|---|---|---|
| FHA 30-year | 6.25% | -0.25 % | 7.193% |
| Utah Housing FHA | 6.25% | 0 % | 7.699% |
| VA 30 year | 6.25% | -0.25 % | 7.199% |
| Utah Housing VA | 6.25% | 0 % | 6.528% |
| * 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 Wednesday, March 12, 2025 12:00 AM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges. | |||
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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.
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Construction & Lot Loan Rates
* 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, March 12, 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, March 12, 2025 12:00 AM MST. | |||
Home Equity Line of Credit Rates
* 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 Wednesday, January 01, 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 Wednesday, January 01, 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
* 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 Wednesday, January 01, 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 |
| 65% Home Equity Non-Owner | 10 Years | 7.74% Fixed |
| 80% Home Equity Non-Owner | 10 Years | 7.99% Fixed |
| Home Equity Loan 90% LTV | 5 Years | 8.49% Fixed |
| No Closing Costs Home Equity Loan 80% LTV | 5 Years | 8.49% Variable |
| No Closing Costs Home Equity Loan 80% LTV Balloon | 20/5 Years | 8.49% Fixed |
| 65% Home Equity Non-Owner | 15 Years | 8.74% Variable |
| Home Equity Loan 90% LTV | 10 Years | 8.74% Fixed |
| No Closing Costs Home Equity Loan 80% LTV | 10 Years | 8.74% Variable |
| 80% Home Equity Non-Owner | 15 Years | 8.99% Variable |
| No Closing Costs Home Equity Loan 80% LTV | 15 Years | 8.99% Variable |
| Home Equity Loan 100% LTV | 10 Years | 9.49% Fixed |
| Home Equity Loan 90% LTV | 5 Years | 9.74% Variable |
| Home Equity Loan 90% LTV | 10 Years | 9.99% Variable |
| Home Equity Loan 100% LTV | 10 Years | 10.24% Variable |
| Home Equity Loan 90% LTV | 15 Years | 10.49% Variable |
| Home Equity Loan 100% LTV | 15 Years | 11.74% 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 Wednesday, January 01, 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
* 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 Wednesday, January 01, 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 | 6.74% Variable |
| No Closing Costs First Mortgage 50% LTV | 5 Years | 6.49% Variable |
| No Closing Costs First Mortgage 80% LTV | 5 Years | 5.49% Fixed |
| No Closing Costs First Mortgage 50% LTV | 7 Years | 6.99% Variable |
| No Closing Costs First Mortgage 80% LTV | 7 Years | 7.24% Variable |
| No Closing Costs First Mortgage 80% LTV | 7 Years | 5.74% Fixed |
| No Closing Costs First Mortgage 50% LTV | 7 Years | 5.49% 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 50% LTV | 10 Years | 7.24% Variable |
| No Closing Costs First Mortgage 80% LTV | 10 Years | 7.49% Variable |
| No Closing Costs First Mortgage 50% LTV | 12 Years | 7.74% Variable |
| No Closing Costs First Mortgage 80% LTV | 12 Years | 6.49% Fixed |
| No Closing Costs First Mortgage 80% LTV | 12 Years | 7.99% Variable |
| No Closing Costs First Mortgage 50% LTV | 12 Years | 6.24% Fixed |
| No Closing Costs First Mortgage 80% LTV | 15 Years | 6.99% Fixed |
| No Closing Costs First Mortgage 80% LTV | 15 Years | 8.49% Variable |
| No Closing Costs First Mortgage 50% LTV | 15 Years | 7.99% Variable |
| No Closing Costs First Mortgage 50% LTV | 15 Years | 6.74% 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 Wednesday, January 01, 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
*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, October 01, 2024, 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 | 12.99% 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, October 01, 2024, 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. | |||
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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.