* 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, June 22, 2026 03:04 PM MST. Please consult a tax advisor for further information regarding tax deductibility of interest and charges.
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At America First, we always keep our members in mind, which is why we offer loans with low interest rates and term options to fit your personal needs. Click on the tiles below for current annual percentage rates (APR) and more details. You can even use our free online loan calculator to see your potential monthly payment before applying.
Loan Rates
Account Rates
Visa Rates
OUR PRODUCTS
DETAILS
Rewards Classic Card
APR* (AS LOW AS)
17.99% Variable
DETAILS
1% Cash Back Classic Card
APR* (AS LOW AS)
17.99% Variable
DETAILS
Unlimited 1.5% Cash Back Signature Card
APR* (AS LOW AS)
17.99% Variable
DETAILS
Low Rate Classic Card
APR* (AS LOW AS)
14.99% Variable
DETAILS
Unlimited 1% Cash Back Signature Card
APR* (AS LOW AS)
13.99% Variable
DETAILS
Low Rate Platinum Card
APR* (AS LOW AS)
11.49% Variable
DETAILS
Rewards Platinum Card
APR* (AS LOW AS)
13.99% Variable
| PRODUCT | DETAILS | APR* (AS LOW AS) |
|---|---|---|
| CLASSIC REWARDS | Rewards Classic Card | 17.99% Variable |
| CLASSIC FLAT 1% CASH BACK | 1% Cash Back Classic Card | 17.99% Variable |
| SIGNATURE 1.5% CASH BACK | Unlimited 1.5% Cash Back Signature Card | 17.99% Variable |
| CLASSIC STANDARD RATE | Low Rate Classic Card | 14.99% Variable |
| SIGNATURE 1% CASH BACK | Unlimited 1% Cash Back Signature Card | 13.99% Variable |
| PLATINUM LOW RATE | Low Rate Platinum Card | 11.49% Variable |
| PLATINUM REWARDS | Rewards Platinum Card | 13.99% Variable |
| * The Annual Percentage Rates (APRs) listed are our best rates. Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. For Business VISA Credit Card information please see Business VISA Credit Card. For Visa Check Card rates please see Line of Credit. Rates and terms are accurate as of Saturday, November 01, 2025 and are subject to change. Consumer Loans have a maximum APR of 18%. | ||
Interest Rates and Interest Charges
Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
We use a method called "average daily balance" (including new purchases).
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| Interest Rates and Interest Charges | |
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How to Avoid Paying Interest on Purchases |
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Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. |
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Balance Calculation Method |
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We use a method called "average daily balance" (including new purchases). |
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Minimum Finance Charge |
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None |
Fees
America First Visa® credit cards don’t have annual fees, with the exception of our Silicon Slopes Signature option, which includes a $50 annual donation to local businesses.
1.5% of amount of advance
Up to $35
$10
Up to 1% of the US dollar amount of the foreign transaction.
None
| Fees | |
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Annual Fee |
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America First Visa® credit cards don’t have annual fees, with the exception of our Silicon Slopes Signature option, which includes a $50 annual donation to local businesses. |
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Cash Advance Fee |
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1.5% of amount of advance |
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Late Payment Fee |
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Up to $35 |
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Return Item Fee |
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$10 |
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Foreign Transaction Fee |
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Up to 1% of the US dollar amount of the foreign transaction. |
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Transaction Fee for Purchases |
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None |
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Other Information
Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.
Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.
Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.
For Credit Card Tips from the Consumer Financial Protection Bureau:To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
We reserve the right to amend the VISA Credit Card Agreement as permitted by law.
We're Here to Help You
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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.
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