Membership

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.

Share Certificate Specials

Take advantage of our current Share Certificate specials!

7 Month – .80% APY*

13 Month – 1.25% APY*

*APY = Annual Percentage Yield

Available to qualifying members only. Certain restrictions apply. Minimum deposit of $500 new funds required. This offer is not available for Individual Retirement Accounts.

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. You will have a grace period of 10 calendar days after maturity to withdraw funds without a penalty. Funds withdrawn prior to the maturity date will be subject to an early withdrawal penalty.

Resolution Loan

Burst into 2018 with a Resolution Loan!

Enjoy rates as low as 7.50% APR* for as little as $500**

**Minimum loan amount is $500. Repay in up to 36 months. Loan proceeds cannot be used to pay off an existing America’s First loan. Available to qualifying members only. Certain restrictions apply. Not all borrowers qualify for the best rates. Your rate will depend on final underwriting, which includes credit worthiness. 36 monthly payments are $31.11 per $1,000.00 borrowed.
*Annual Percentage Rate