America First Credit Union
Verified rate book
Current America First Credit Union rates
40 published offers verified as of August 4, 2026.
Mortgage rates
13 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.500% APR | 6.500% | — | Standard |
| 15-Year Fixed15 year fixed | 5.750% APR | 5.750% | — | Standard |
| 10-Year Fixed10 year fixed | 5.750% APR | 5.750% | — | Standard |
| 20-Year Fixed20 year fixed | 6.125% APR | 6.125% | — | Standard |
| 10-Year Fixed, Land10 year fixed | 7.476% APR | 6.990% | — | Standard |
| No Closing Costs First Mortgage 80%LTV/Balloonother | 6.240% APR | 6.240% | — | Standard |
| Lot Loan- 20/5YR Balloon Variableother | 6.820% APR | 6.240% | — | Standard |
| Lot Loan- 10 Year Variableother | 7.008% APR | 6.490% | — | Standard |
| Lot Loan- 30/5YR Balloon Variableother | 7.052% APR | 6.490% | — | Standard |
| Lot Loan- 20/5YR Balloon Fixedother | 7.280% APR | 6.740% | — | Standard |
| Lot Loan- 30/5YR Balloon Fixedother | 7.476% APR | 6.990% | — | Standard |
| Home Construction - Contractor Builtother | 10.190% APR | 6.240% | — | Standard |
| Home Construction- Self Builtother | 11.762% APR | 6.240% | — | Standard |
Auto & vehicle rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 72-Month Auto Loanauto_any_72mo | 5.240% APR | 5.240% | 72 mo | Standard |
| Auto Loan - Declining Rate Autoauto_any_60mo | 5.240% APR | 5.240% | 60 mo | Standard |
| 84-Month Auto Loanauto_any_84mo | 5.990% APR | 5.990% | 84 mo | Standard |
| NEW/USED BOATboat_any_180mo | 7.740% APR | 7.740% | 180 mo · any | Standard |
| Auto Loan - (Minimum Loan Amount of $30,000 Required)auto_any_96mo | 7.740% APR | 7.740% | 96 mo | Standard |
| ATV / SMALL WATERCRAFT / SNOWMOBILEpowersports_any_84mo | 7.890% APR | 7.890% | 84 mo | Standard |
| 84-Month Motorcycle Loanmotorcycle_any_84mo | 7.890% APR | 7.890% | 84 mo | Standard |
| MOTORCYCLE - (Minimum Loan Amount of $20,000 Required)motorcycle_any_120mo | 7.890% APR | 7.890% | 120 mo | Standard |
| MOTORCYCLE - (Minimum Loan Amount of $25,000 Required)motorcycle_any_180mo | 8.140% APR | 8.140% | 180 mo | Standard |
HELOC rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| No Closing Costs Fixed For 5 HELOC 50% LTVheloc_fixed | 6.490% APR | 6.490% | — | Standard |
| No Closing Costs Fixed For 5 HELOC 80% LTVheloc_fixed | 6.740% APR | 6.740% | — | Standard |
| No Closing Costs Home Equity Loan 50% LTVheloc_fixed | 6.890% APR | 6.890% | — | Standard |
| No Closing Costs Home Equity Line 50% LTVheloc | 7.240% APR | 7.240% | — | Standard |
| No Closing Costs Home Equity Line 80% LTVheloc | 7.490% APR | 7.490% | — | Standard |
| No Closing Costs Home Equity Loan 80% LTV Balloonheloc_fixed | 8.240% APR | 8.240% | — | Standard |
| Home Equity Line 100% LTVheloc | 12.240% APR | 12.240% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Line of Creditploc_variable | 3.050% APR | 3.050% | — | Standard |
| 120-Month Share-Secured Loanpersonal_secured_120mo | 3.050% APR | 3.050% | 120 mo | Standard |
| 12-Month Personal Loanpersonal_unsecured_12mo | 12.490% APR | 12.490% | 12 mo | Standard |
| Personal Line of Creditploc_variable | 16.490% APR | 16.490% | — | Standard |
Savings & CD rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Business Share Savingsshare_savings | 0.05% APY | 0.05% | — | Standard |
| Business Money Market Savingsmoney_market | 1.00% APY | 1.00% | — | Standard |
| Flexible Certificatecd | 3.70% APY | 3.64% | — | Standard |
| Bump-Rate Certificatecd_11mo | 3.75% APY | 3.69% | 11 mo | Standard |
| Bump-Rate Certificatecd | 3.80% APY | 3.74% | — | Standard |
| Certificatecd | 3.90% APY | 3.83% | — | Standard |
| Dedicated Savingssavings | 3.90% APY | 3.83% | — | Standard |
As of August 4, 2026, America First Credit Union offers a 30-year fixed mortgage at 6.5% APR (0.625 points). Vehicle loans available from 5.24% APR for 72 months. HELOC rates from 6.49% APR. Personal loan rates from 3.05% APR. Savings and certificate yields up to 3.90% APY.
Source: RateAPI.dev, verified from America First Credit Union's official website
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About America First Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 1.6M
- Assets
- $24.7B
- Founded
- 1939
- Locations reported
- 124
- NCUA charter
- 24694
- 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
- Student scholarships
- Credit-builder products
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.
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 First Credit Union
Membership eligibility from America 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 First Credit Union's membership page. Final membership determination is always made by the credit union.
Work at America First Credit Union?
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Frequently Asked Questions
What rates does America First Credit Union offer?
America First Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan 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 First Credit Union rates updated?
RateAPI verifies America 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 First Credit Union's rate data?
Rate data is collected directly from America 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 First Credit Union's mortgage rate?
As of August 4, 2026, America First Credit Union offers a 30-year fixed mortgage at 6.5% APR.
What are America First Credit Union's auto, boat, motorcycle & powersports loan rates?
As of August 4, 2026, America First Credit Union offers vehicle loans from 5.24% APR.
What is America First Credit Union's HELOC rate?
As of August 4, 2026, America First Credit Union offers home equity lines of credit from 6.49% APR.
What is America First Credit Union's personal loan rate?
As of August 4, 2026, America First Credit Union offers personal loans from 3.05% APR.
What is America First Credit Union's best CD rate?
As of August 4, 2026, America First Credit Union offers savings and certificate (CD) yields up to 3.90% APY.
Related Rate Data
Compare America First Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for America First Credit Union
curl "https://api.rateapi.dev/credit-unions/utah/america-first" \
-H "Authorization: Bearer YOUR_API_KEY"