America's First Credit Union

Birmingham, Alabama
Last verified: August 4, 2026
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Verified rate book

Current America's First Credit Union rates

91 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

18 offers
America's First Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.500% APR6.500%—Standard
VA 30-Year Fixed30 year fixed6.625% APR6.125%—Standard
FHA 30-Year Fixed30 year fixed6.976% APR6.125%—Standard
15-Year Fixed15 year fixed5.750% APR5.750%—Standard
10-Year Fixed10 year fixed5.625% APR5.625%—Standard
20-Year Fixed20 year fixed6.000% APR6.000%—Standard
10-Year Fixed, Land10 year fixed7.476% APR6.990%—Standard
APR* (AS LOW AS) (No Closing Costs First Mortgage 80%LTV/Balloon)other6.240% APR6.240%—Standard
No Closing Costs First Mortgage 80%LTV/Balloonother6.240% APR6.240%—Standard
Lot Loan- 20/5YR Balloon Variableother6.820% APR6.240%—Standard
Lot Loan- 10 Year Variableother7.008% APR6.490%—Standard
Lot Loan- 30/5YR Balloon Variableother7.052% APR6.490%—Standard
Utah Housing VAother7.088% APR6.625%—Standard
Lot Loan- 20/5YR Balloon Fixedother7.280% APR6.740%—Standard
Utah Housing FHAother7.455% APR6.625%—Standard
Lot Loan- 30/5YR Balloon Fixedother7.476% APR6.990%—Standard
Home Construction - Contractor Builtother10.190% APR6.240%—Standard
Home Construction- Self Builtother11.762% APR6.240%—Standard

Auto & vehicle rates

16 offers
America's First Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
APR* (AS LOW AS) (Auto Loan)auto_any_60mo4.990% APR4.990%60 moStandard
APR* (AS LOW AS) (Auto Loan)auto_any_72mo5.240% APR5.240%72 moStandard
APR* (AS LOW AS) (Auto Loan - Declining Rate Auto)auto_any_60mo5.240% APR5.240%60 moStandard
APR* (AS LOW AS) (Auto Loan)auto_any_84mo5.990% APR5.990%84 moStandard
RV Loanrv7.490% APR7.490%—Standard
NEW/USED RVrv_any_120mo7.490% APR7.490%120 mo · anyStandard
NEW/USED BOATboat_any_180mo7.740% APR7.740%180 mo · anyStandard
APR* (AS LOW AS) (Auto Loan - (Minimum Loan Amount of $30,000 Required))auto_any_96mo7.740% APR7.740%96 moStandard
RV Balloonrv7.740% APR7.740%—Standard
NEW/USED RVrv_any_180mo7.740% APR7.740%180 mo · anyStandard
NEW/USED RV BALLOON 10/20rv_any_240mo7.740% APR7.740%240 mo · anyStandard
Powersports Loanpowersports7.890% APR7.890%—Standard
MOTORCYCLE - (Minimum Loan Amount of $20,000 Required)motorcycle_any_120mo7.890% APR7.890%120 moStandard
84-Month Motorcycle Loanmotorcycle_any_84mo7.890% APR7.890%84 moStandard
ATV / SMALL WATERCRAFT / SNOWMOBILEpowersports_any_84mo7.890% APR7.890%84 moStandard
MOTORCYCLE - (Minimum Loan Amount of $25,000 Required)motorcycle_any_180mo8.140% APR8.140%180 moStandard

HELOC rates

16 offers
America's First Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
80% Home Equity 1st Mortgage 5-Yearheloc5.490% APR5.490%—Standard
80% Home Equity 1st Mortgage 7-Yearheloc5.740% APR5.740%—Standard
80% Home Equity 1st Mortgage 10-Yearheloc5.990% APR5.990%—Standard
80% Home Equity 1st Mortgage Long-Term Balloonheloc6.240% APR6.240%—Standard
80% Home Equity 1st Mortgage 12-Yearheloc6.490% APR6.490%—Standard
No Closing Costs Fixed For 5 HELOC 50% LTVheloc_fixed6.490% APR6.490%—Standard
No Closing Costs Fixed For 5 HELOC 80% LTVheloc_fixed6.740% APR6.740%—Standard
No Closing Costs Home Equity Loan 50% LTVheloc_fixed6.890% APR6.890%—Standard
80% Home Equity 1st Mortgage 15-Yearheloc6.990% APR6.990%—Standard
No Closing Costs Home Equity Line 50% LTVheloc7.240% APR7.240%—Standard
No Closing Costs Home Equity Line 80% LTVheloc7.490% APR7.490%—Standard
No Closing Costs Home Equity Loan 80% LTV Balloonheloc_fixed8.240% APR8.240%—Standard
Ideal 100% Home Equity 10-Year Term Loanheloc9.490% APR9.490%—Standard
Ideal 100% Home Equity 15-Year Term Loanheloc10.490% APR10.490%—Standard
Home Equity Line 100% LTVheloc12.240% APR12.240%—Standard
Ideal 100% HELOCheloc_variable12.240% APR12.240%—Standard

Personal loan rates

4 offers
America's First Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Personal Line of Creditploc_variable3.050% APR3.050%—Standard
120-Month Share-Secured Loanpersonal_secured_120mo3.050% APR3.050%120 moStandard
12-Month Personal Loanpersonal_unsecured_12mo12.490% APR12.490%12 moStandard
Personal Line of Creditploc_variable16.490% APR16.490%—Standard

Credit card rates

8 offers
America's First Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Visa Share Securedcredit_card_secured10.500% APR10.500%—Standard
Visa Platinum Low Ratecredit_card_platinum11.490% APR11.490%—Standard
Visa Platinum Rewardscredit_card_rewards13.990% APR13.990%—Standard
Visa Signature 1% Rebatecredit_card_platinum13.990% APR13.990%—Standard
Visa Classic Standard Ratecredit_card14.990% APR14.990%—Standard
Visa Classic Rewardscredit_card_rewards17.990% APR17.990%—Standard
Visa Signature 1.5% Rebatecredit_card_platinum17.990% APR17.990%—Standard
Visa Classic 1% Rebatecredit_card17.990% APR17.990%—Standard

Savings & CD rates

29 offers
America's First Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Business Share Savingsshare_savings0.05% APY0.05%—Standard
Non-Profit Businesssavings0.10% APY0.10%—Standard
Business Money Market Savingsmoney_market1.80% APY1.79%—Standard
Business Money Market Savingsmoney_market2.05% APY2.03%—Standard
Business Money Market Savingsmoney_market2.70% APY2.67%—Standard
Business Money Market Savingsmoney_market3.45% APY3.40%—Standard
Flexible Certificatecd_12mo3.70% APY3.64%12 moStandard
Bump-Rate Certificatecd_3mo3.75% APY3.69%3 moStandard
Bump-Rate Certificatecd_6mo3.80% APY3.74%6 moStandard
MIN. EARNING BALANCE (3-5 Months)cd_5mo3.83% APY3.83%5 moStandard
MIN. EARNING BALANCE (18-23 Months)cd_23mo3.88% APY3.88%23 moStandard
MIN. EARNING BALANCE (6-11 Months)cd_11mo3.88% APY3.88%11 moStandard
MIN. EARNING BALANCE (12-17 Months)cd_17mo3.88% APY3.88%17 moStandard
Bump-Rate Certificatecd_30mo3.90% APY3.83%30 moStandard
Dedicated Savingssavings3.90% APY3.83%3 moStandard
Business Money Market Savingsmoney_market3.90% APY3.83%—Standard
3-Month Certificatecd_3mo3.90% APY3.83%3 moStandard
6-Month Certificatecd_6mo3.95% APY3.88%6 moStandard
Dedicated Savingssavings3.95% APY3.88%6 moStandard
Bump-Rate Certificatecd_24mo3.95% APY3.88%24 moStandard
MIN. EARNING BALANCE (30-35 Months)cd_35mo3.98% APY3.98%35 moStandard
MIN. EARNING BALANCE (36-47 Months)cd_47mo3.98% APY3.98%47 moStandard
MIN. EARNING BALANCE (48-59 Months)cd_59mo3.98% APY3.98%59 moStandard
MIN. EARNING BALANCE (60 Months)cd_60mo4.03% APY4.03%60 moStandard
MIN. EARNING BALANCE (24-29 Months)cd_29mo4.03% APY4.03%29 moStandard
Dedicated Savingssavings4.05% APY3.98%30 moStandard
30-Month Certificatecd_30mo4.05% APY3.98%30 moStandard
24-Month Certificatecd_24mo4.10% APY4.03%24 moStandard
Dedicated Savingssavings4.10% APY4.03%24 moStandard

As of August 4, 2026, America's First Credit Union offers a 30-year fixed mortgage at 6.5% APR (0.375 points). Vehicle loans available from 4.99% APR for 60 months. HELOC rates from 5.49% APR. Personal loan rates from 3.05% APR. Credit card rates from 10.5% APR. Savings and certificate yields up to 4.10% APY.

Source: RateAPI.dev, verified from America's First Credit Union's official website

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About America's First Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
195.1K
Assets
$2.7B
Founded
1936
Locations reported
22
NCUA charter
24534
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Credit-builder products
  • Payday Alternative Loans I
  • Payday Alternative Loans II

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Alabama PostalAlabama Postal Credit Union · Birmingham · AL · 35203-3836Branch in the same ZIPAlabamaDowntown Birmingham Post Office · Birmingham · AL · 35203-3836Branch in the same ZIPFireman'sMain Office · Birmingham · AL · 35203-2201Branch in the same ZIPJefferson Credit UnionCourthouse · Birmingham · AL · 35203Branch in the same ZIPSouthern EnergyMain Office · Birmingham · AL · 35203Branch in the same ZIPAvadianMidtown · Birmingham · AL · 35233About 0.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join America's First Credit Union

Membership eligibility from America's First Credit Union's own published criteria. How we verify this.

Membership via occupations (Utah food industry)

  • LocationSalt Lake, Utah, Juab, Cache, Davis, Iron, Rich, Washington, Weber, Clark, Lincoln, Maricopa
  • OccupationUtah food industry

Verified from America's First Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does America's First Credit Union offer?

America's First Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are America's First Credit Union rates updated?

RateAPI verifies America's First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get America's First Credit Union's rate data?

Rate data is collected directly from America's First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is America's First Credit Union's mortgage rate?

As of August 4, 2026, America's First Credit Union offers a 30-year fixed mortgage at 6.5% APR.

What are America's First Credit Union's auto, rv, boat, motorcycle & powersports loan rates?

As of August 4, 2026, America's First Credit Union offers vehicle loans from 4.99% APR.

What is America's First Credit Union's HELOC rate?

As of August 4, 2026, America's First Credit Union offers home equity lines of credit from 5.49% APR.

What is America's First Credit Union's personal loan rate?

As of August 4, 2026, America's First Credit Union offers personal loans from 3.05% APR.

What is America's First Credit Union's best CD rate?

As of August 4, 2026, America's First Credit Union offers savings and certificate (CD) yields up to 4.10% APY.

Related Rate Data

Compare America's First Credit Union's rates against national credit-union benchmarks.

More Alabama credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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