Membership

Home Equity Line of Credit Promotion

Get a Home Equity Line of Credit and receive a $100 home improvement gift card!

Rates as low as 1.99% APR* introductory rate! After 12 months rate will be between 3.50% APR and 8.00% APR based on your creditworthiness. To view current rates, click HERE.

To learn more about a Home Equity Line of Credit, click HERE.

*APR=Annual Percentage Rate. Twelve months after closing, the interest rate will convert to a variable rate which is based on the Prime Lending Rate as published in The Wall Street Journal plus a margin of 0% to 4.50% based on your creditworthiness, which currently would be between 3.50% APR and 8.00% APR. Offer good only on new Home Equity Lines of Credit. America’s First will pay its standard closing costs, including the cost of an appraisal if required, if your initial advance is $15,000.00 or more and AFFCU maintains a security interest on the property securing the account for at least three (3) consecutive months following the closing date and does not include existing AFFCU loans. Closing costs are estimated between $300.00 and $750.00. Property insurance is required. Available equity is based upon the current assessed value of your property. The maximum rate that can apply is 18.00% APR. Maximum Loan-to-Value is 90%. Consult a tax advisor regarding the deductibility of interest. The annual non-usage fee is waived for any year in which there is an advance. Not available for Business Accounts. Limited to primary residences in the State of Alabama.

Tear Down Your Debt

Transfer your balances to an America’s First credit card by July 31, 2017 and receive:
  • 4.99% APR* on balance transfers for the life of the balance with no balance transfer fee.
OR
  • 0.00% APR** for 12 months on balance transfers with a 3% balance transfer fee.
Initiate a Balance Transfer via Online Banking:
  1. Login to Online Banking at amfirst.org
  2. Select your credit card account.
  3. Click on the Account Services tab at the top of the page.
  4. Choose Balance Transfer, and follow the steps given.

*4.99% good for life of balance transfers that post to your account by July 31, 2017.
**Annual Percentage Rate 0.00%. After 12 months, the APR for the balance transfer will be from 7.80% to 18.00% depending on your creditworthiness. Promotional APR for 12 months.

Available to qualifying members only. Certain restrictions apply. This offer available through July 31, 2017.