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.

Share Certificate Special

Take advantage of our current Share Certificate Special!

11 months at 1.50% APY*

Offer valid on Personal & Business Accounts.

*APY= Annual Percentage Yield. Offer available to qualifying members only. Certain restrictions apply. This offer requires a new minimum deposit of $500. Individual Retirement Accounts do not qualify. 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.

Fixed Rate HELOC

Put your equity to work! Apply HERE!

Get a Home Equity Line of Credit with rates as low as 4.75% APR* fixed.

Receive a $100 Home Improvement Gift Card

And a chance to win a Big Green Egg®!

Big Green Egg® is the property of The Big Green Egg Company, Tucker, GA.

*APR=Annual Percentage Rate.

This offer is limited to new Home Equity Lines of Credit. If your initial advance is $15,000 or more, America’s First will waive its standard closing costs, including the costs of an appraisal if required, as long as AFFCU maintains a security interest on the property securing the amount of the initial advance for at least three (3) consecutive months following the closing date, and the initial advance may not include the liquidation of any existing AFFCU loan balances. Closing costs are estimated to be between $400 and $1,000. You will be required to maintain property insurance throughout the life of the loan and title insurance will be required for any first mortgage HELOC. Available equity is based upon the current assessed or appraised value of your property. The Maximum Loan-to-Value ratio for this loan product is 90%. Due to the changes in tax laws, interest on your Home Equity Line of Credit may not be deductible. Please consult your tax advisor to determine how the tax laws apply to your particular situation. The annual non-usage fee is waived for any year in which you have an advance on your HELOC. Limited to residences located in the State of Alabama.