No Closing Costs on Select Mortgages

Zero standard closing fees on the following mortgages:
• 15, 10, 7, and 5-year fixed rate loans
• 5/1  and 3/1 ARM loans

Please visit our online Mortgage Center to apply.

Offer available on the following products only: 15, 10, 7 and 5-year fixed rate mortgages, and, 5/1 and 3/1 adjustable rate mortgages. Offer only applies to portfolio loans and is not available for investor loans.

All applicants must meet standard underwriting guidelines. Maximum Loan-to-Value ratio for all Mortgage Loans in this promotion is 90%.  The current available Annual Percentage Rates are between 4.377% APR and 8.336% APR depending on your creditworthiness and type of mortgage product selected.  Rates are subject to change.  Minimum loan amount is $100,000.00 and this offer does not apply to refinances of existing America’s First Federal Credit Union mortgage loans, unless the new loan amount exceeds the loan being refinanced by at least $20,000.00. You will be required to maintain property insurance throughout the life of the loan and title insurance is required on any 1st Mortgage.  Offer is valid for applications submitted between July 2, 2018 through September 28, 2018 and the loans must close by December 28, 2018. If loan is paid off within 12 months from the date of closing, the borrower must reimburse the full amount of closing costs paid on their behalf. Offer applies to standard closing costs associated with loan underwriting including origination fee, underwriting fee, document preparation fee, survey and appraisal, and does not include loan payoffs, lien satisfactions, taxes, insurance or any recurring expense, home inspection, flood insurance, curative title, or other non-standard attorney or closing fee. Maximum amount of closing costs eligible to be paid by the Credit Union is $4,000.00 and will not include amounts paid by other parties as part of the transaction. The borrower is responsible for closing costs exceeding this amount.

Balance Transfer Promotion

Transfer your balances by September 30, 2018 to an America’s First credit card and receive:

1.99% APR*
for 12 billing cycles,
with no transfer fees

After 12 billing cycles, the APR for balances transferred will be from 7.80% to 18.00% depending on your creditworthiness and type of card issued.

Apply Now here!

Current Credit Cardholders Initiate a Balance Transfer via Online Banking:

  1. Login to Online Banking at
  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.

*Annual Percentage Rate 1.99%. Promotional APR for 12 billing cycles for balance transfers that post to your account by September 30, 2018. Available to qualifying members only. Certain restrictions apply.
**This offer available through September 30, 2018.

Certificate Specials

In continuation of our Summer of Savings, we are offering two certificate specials:

11 month – 2.00% APY* 

30 month – 3.00% APY*

*APY= Annual Percentage Yield. Offer available to qualifying members only and certain restrictions apply. A new minimum deposit of $500 is required to qualify for the special rate. Individual Retirement Accounts do not qualify for the 11 month Share Certificate special. Share Certificate rates are subject to change at any time. Share Certificates will automatically renew for successive periods equal to the original term beginning on each maturity date. Funds withdrawn prior to the maturity date will be subject to an early withdrawal penalty. You will have a grace period of 10 calendar days after maturity to withdraw your funds without a penalty.