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RATES

COMPETITIVE RATES, FLEXIBLE TERMS & LEADING DIVIDENDS

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

AUTO LOAN RATES

Finance your next new or used car, truck, minivan, or SUV.

 

MOTORCYCLE RATES

Get your low-rate loan and get riding.

 

ATV LOAN RATES

Apply online, then go off-road with ATVs or snowmobiles.

 

RV LOAN RATES

See the countryside with your new motorhome or camper.

 

BOAT LOAN RATES

Sail away on your next boat, or other watercraft.

 

MORTGAGE LOAN RATES

Find and finance your dream home.

 

CONSTRUCTION & LOT LOAN RATES

Build the home you want, where you want, from the ground up.

 

HOME EQUITY LINE OF CREDIT (HELOC) RATES

Have flexible access to your hard-earned funds.

 

HOME EQUITY LOAN RATES

Take advantage of your home's value to finance improvements and upgrades.

 

NO CLOSING COST FIRST MORTGAGE RATES

Save money and streamline the process with this premier product.

 

PERSONAL LOAN RATES

Acquire a Shared Secured Loan, Line of Credit or Certificate Secured Loan.

 

ACCOUNT RATES

Certificate Account Rates

CERTIFICATE ACCOUNT RATES

Checking Account Rates

CHECKING ACCOUNT RATES

Health Savings Account Rates

HEALTH SAVINGS ACCOUNT RATES

Savings Account Rates

SAVINGS ACCOUNT RATES

This Rate and Fee Schedule sets forth current conditions, rates, fees, and charges applicable to your regular Certificates, Individual Retirement Account (IRA) Certificates, Health Savings Account (HSA) Certificates, Coverdell Education Savings Account (CESA) Certificates, Checking Accounts, Health Savings Accounts, Savings Accounts, Money Market Accounts, and IRA Accumulator Accounts at America First Federal Credit Union. The credit union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth herein on this Rate and Fee Schedule and acknowledges that it is a part of the Membership & Account Agreement. For terms on member business accounts see the Business Rate & Fee Schedule.

VISA RATES

The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time. Click here to view or download a copy of our Loan Rates PDF.

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.

Visa Tiered Rebate Information: An annual rebate will be given on your Visa Card purchases made throughout the calendar year 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 the calendar year according to the following breakdown: 1/4% on the portion of annual purchases $0 to $1,000, 1/2% on the portion of annual purchases $1,001 to $2,000, 3/4% on the portion of annual purchases $2,001 to $3,000, 1% on the portion OVER $3,000. The purchase rebate will be credited to your share savings account by the end of February for the previous year'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.

Visa Credit Card Terms and Agreement