Routing Number: 262083881

Rates

Consumer Loan Rates

Vehicles

New Vehicles

APR* Term
as low as 0.99%36 MonthsApply Now
as low as 1.65%63 MonthsApply Now
as low as 2.15%75 MonthsApply Now
as low as 2.95%84 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

  • New Rates for all Vehicles 2011-2015 with less than 30,000 miles.
  • To qualify for 75 months, vehicle must cost more than $15,000.
  • To qualify for 84 months, vehicle must be new, no miles and cost more than $25,000.

Used Vehicles

APR* Term
as low as 2.95%66 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

  • Used rates include Vehicles 2007-2015 with more than 30,000 miles.
Boats

New Boats

APR* Term
as low as 0.99%36 MonthsApply Now
as low as 1.65%63 MonthsApply Now
as low as 2.15%75 MonthsApply Now
as low as 2.95%84 MonthsApply Now
as low as 4.05%120 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

  • To qualify for 75 months, unit must be new and cost more than $10,000
  • To qualify for 84 months, unit must be new and cost more than $20,000
  • New Boats/RVs must cost more than $50,000 with a 20% equity position for 120 months

Used Boats

APR* Term
as low as 3.55%66 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

  • Used rates include models 2007-2015
Motor Homes, RV, & Travel Trailers

New Motor Homes, RV, & Travel Trailers

APR* Term
as low as 0.99%36 MonthsApply Now
as low as 1.65%63 MonthsApply Now
as low as 2.15%75 MonthsApply Now
as low as 2.95%84 MonthsApply Now
as low as 4.05%120 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

  • To qualify for 75 months, unit must be new and cost more than $10,000
  • To qualify for 84 months, unit must be new and cost more than $20,000
  • New Boats/RVs must cost more than $50,000 with a 20% equity position for 120 months

Used Motor Homes, RV, & Travel Trailers

APR* Term
as low as 3.55%66 MonthsApply Now
Motorcycles & Other Powersports

New Motorcycles & Other Powersports

APR* Term
as low as 1.65%63 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

  • To qualify for 75 months, vehicle must cost more than $10,000.
  • To qualify for 84 months, vehicle must cost more than $20,000.

Used Motorcycles & Other Powersports

APR* Term
as low as 3.55%66 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

Tractors & Lawn Mowers

New Tractors & Lawn Mowers

APR* Term
as low as 1.65%63 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

Used Tractors & Lawn Mowers

APR* Term
as low as 3.55%66 MonthsApply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness, as well as the age and equity position of the collateral.

  • 2007-2015 Models
Share Certificates/Share Secured Loans
APR* For Amounts From
as low as 4.10% 0 - $2,000Apply Now
as low as 3.10% $2,001 - $5,000Apply Now
as low as 2.10% $5,001 and upApply Now
Stock Secured Loans
APR* Term
7.69%Stock Secured Loan
  • 36 Months / loan-to-value ratio is 75% of current market value
Personal Loans
APR*
as low as 10.80%Apply Now

Your rate will depend on final underwriting, which includes creditworthiness.

Home Rates

Mortgage Loans
APR* RATE DESCRIPTION
2.854% 2.5%10 Year Fixed RateApply Now
3.245% 3%15 Year Fixed RateApply Now
3.597% 3.375%20 Yr Fixed Sec MktApply Now
3.785% 3.625%30 Yr Fixed Sec MktApply Now
2.969% 2.25%3/1 Adjustable RateApply Now
2.96% 2.5%5/1 Adjustable RateApply Now
Home Equity
APR* DESCRIPTION
as low as 1.99%Home Equity Standard Intro RateApply Now

Rates current as of November 19, 2014,  and subject to change

Credit Card Rates

VISA Platinum Credit Card
APR*
as low as 7.80%Apply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

View full disclosure

VISA Platinum Plus Credit Card
APR*
as low as 10.80%Apply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

View full disclosure

Secured VISA Credit Card
APR*
14.80%Apply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

View full disclosure

VISA Platinum-Pro Credit Card
APR*
as low as 8.80%Apply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

View full disclosure

Indie VISA Credit Card
APR*
14.80%Apply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

View full disclosure

MasterCard Credit
APR*
14.80%Apply Now

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

View full disclosure

Savings Rates

IRA & Share Certificates

In order to apply for a Share Certificate online, you must currently have an account with America’s First. If you have an account with us, please login to Online Banking and select “Open a New Account” once you're logged in. If you do not have an account with us yet, you can open one here.

APY* Term
0.20%91 day
0.30%6 month
0.35%9 month
0.45%12 month
0.55%18 month
0.65%24 month
0.75%30 month
0.85%36 month**
1.10%48 month**
1.35%60 month**

*Annual Percentage Yield

** Flex Rate: Deposit a minimum of $500 into an America’s First FlexRate Certificate and lock in one of the best rates around. If rates go up any time during the term of your certificate, just drop by your nearest America’s First branch and increase the rate on your certificate. (Limit one rate increase during the original term of the certificate.) A new certificate will be issued for the same term as the original certificate. Available to qualified members only. Member savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the federal government and additionally insured up to $250,000 by Excess Share Insurance. Individual Retirement Accounts are federally insured up to an additional $250,000 by the National Credit Union Administration and additionally insured up to $250,000 by Excess Share Insurance. Rates and terms are subject to change without notice. Substantial penalty for early withdrawal.

Rates are accurate as of November 19, 2014, and are subject to change weekly.

Dividends: We will pay this rate from the date of issue until the Original Maturity Date disclosed above. In the event that a Share Certificate renewed for any successive period(s), it will earn dividends at the prevailing rate then in effect. On accounts with maturities longer than one month, you will be notified in advance of the renewal, and we will tell you when the rate will be known for any subsequent renewal period. The annual percentage yield (APY) assumes that dividends remain in the account until maturity. A withdrawal of dividends will reduce your earnings. If you close this account before dividends are paid, you will receive the accrued dividends subject to the early withdrawal penalty.

Dividend Computation Method: Dividends are computed using the Daily Balance Method which applies a daily periodic rate to the balance in the account each day.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated above.

Subsequent Renewals: This account 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. If you do not wish to automatically renew this account, you must either notify us in writing before any maturity date, or within 10 days thereafter, or close this account at maturity or within 10 calendar days.

Early Withdrawal Penalty: If any account owner requests a full or partial withdrawal of principal prior to any maturity date, unless caused by the death or incapacity of an account owner, and we agree to allow the early withdrawal, you will be subject to a penalty of the lesser of 90 days dividends, or all dividends earned from the date of issue. See the Plan disclosure if this account is part of an IRA or other tax qualified plan.

IRA Share Account

Visit your nearest branch location or call 205-320-4000 to open...

APY* For Amounts From
0.75%IRA Share Account Prospective APYOnline account opening for our IRA Share Accounts is not available. Please visit your nearest branch location to open this type of account. We're sorry for any inconvenience.

Rates are accurate as of November 19, 2014, and are subject to change weekly.

Rate Information: The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors. Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close this account before dividends are credited to your account, you will not receive accrued dividends.

Member savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the federal government and additionally insured up to $250,000 by Excess Share Insurance. Individual Retirement Accounts are federally insured up to an additional $250,000 by the National Credit Union Administration and additionally insured up to $250,000 by Excess Share Insurance.

Minimum Balance Requirements: There is no minimum balance requirement for this account.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Transaction Limitations: Deposits to this account are limited to the eligible annual amount as established by the Internal Revenue Service and changed from time to time. Unqualified withdrawals are subject to penalties imposed by the Internal Revenue Service as outlined below.

Early Withdrawal Penalty: The credit union does not impose an early withdrawal penalty for this account. Any withdrawal of funds from your IRA account, other than in the event of your death, disability or having attained the age of eligibility as defined by the Internal Revenue Service is subject to penalties imposed by the IRS.

Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.

EasyAccess Money Market Account
APY* For Amounts From
0.10% $2,500 - $9,999Apply Now
0.25% $10,000 - $24,999Apply Now
0.35% $25,000 - $49,999Apply Now
0.40% $50,000 - $99,999Apply Now
0.45% $100,000 and upApply Now

Rates accurate as of November 19, 2014, and are subject to change after the account is opened.

Rate Information: The dividend rate and Annual Percentage Yield are subject to change. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Annual Percentage Yields, as quoted  above, are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

Dividend Information: For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of the first period is January 31. All other dividend periods are based upon a calendar month and follow the same pattern of dates. The dividend declaration period is the last date of the dividend period, and for this example would be January 31.

Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. If you close your account before dividends are credited to your account, you will not receive any unpaid dividends.

The dividend rate and Annual Percentage Yield paid on your account depends upon the tier into which your ending balance falls each day. Tiers are the different ranges of balances.

Minimum Balance Requirements: The minimum balance required to open this account is $2,500.00. You must maintain a daily balance of $2,500.00 to avoid a minimum balance fee. If your daily balance falls below the stated minimum balance during any day, your account will be subject to a minimum balance fee for the dividend period as set out in our fee schedule.

Transaction Limitations: During any calendar month, you may make no more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, check, debit card or similar order payable to third parties or telephone order or instruction. If you exceed the transaction limitations set forth above in any dividend period, the transaction will be subject to an excess transaction fee and could result in this account being reclassified to another type with an unlimited number of monthly transactions. You agree that we may make transfers from this account to your other sub-accounts during the dividend period subject to the limit of six total transactions. There is no limit on the number of withdrawals or transfers made by you in person, by mail or at an automated teller machine. Checks or drafts paid on this account will not be returned in your statement.

 

Christmas Club
APY* Term
0.25%Apply Now

*Annual Percentage Yield

Rate is accurate as of November 19, 2014, and is subject to change after the account is opened.

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close your regular Christmas Club account before dividends are credited to your account, you will not receive accrued dividends.

Minimum Balance Requirements: You must maintain a minimum average daily balance of $100 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction.

Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Fees and Charges: An early withdrawal fee of $10.00 per withdrawal will be charged for each withdrawal in excess of one per club year.

Pocket Change Account
APY* Term
0.25% $500 and upApply Now
3.00% $0 - $500Apply Now

Rate is accurate as of November 19, 2014, and is subject to change after the account is opened.

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors.

Compounding and crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close your account before dividends are credited to your account, you will not receive accrued dividends.

Minimum Balance Requirements: There is no minimum balance required to open this account. You must maintain a minimum average daily balance of $.01 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day funds are deposited into your account.

Transaction Limitations: Deposits into this account are only allowed from the Pocket Change Transfer amounts from debit transactions from your checking account. Debit transactions are rounded up to the nearest whole dollar and the difference is deposited into your pocket change account. You may not access this account by Automated Teller Machine or Debit Card or Automated Clearing House transactions and this account may not be used as an overdraft source. You may not make additional deposits into this account. Funds may be withdrawn from this account via phone, Easy Link, Flash Talk or in-person. During any calendar month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, the transaction may be denied and an item presented for payment will be returned and may be subject to a fee that is set by the Board of Directors and changed from time to time.

Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

EZ Premium Checking Account
APY* Term
0.10%$2,500 Minimum BalanceApply Now

Rate Information: The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every month. Dividends will be credited to your account every month. For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be January 31.

Minimum Balance Requirements: The minimum balance required to open an EZ Premium Checking Account is $2,500. You must maintain a minimum average daily balance of $2,500 in your account to obtain the disclosed annual percentage yield. If your account balance falls below $2,500, you will be subject to a minimum balance fee.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: No transaction limitations apply to this account.

Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.

Share Draft Fees and Charges: Prices for share drafts vary depending on the style and quantity selected. These fees are provided to you at the time you place your share draft order. There is a minimum monthly fee if you elect to receive images of your canceled checks by mail. The fee is set by the Board of Directors and may be changed from time to time.

Other Terms and Conditions: See your account agreement for the other terms and conditions of this account.

Share Account
APY* Term
0.10% $100 - $9,999Apply Now
0.25% $10,000 - $39,999Apply Now
0.40% $40,000 - $74,999Apply Now
0.50% $75,000 and upApply Now

$5.00 minimum requirement to open a Share Account.

$100.00 minimum average daily balance required to earn a dividend.

Rates accurate as of November 19, 2014, and subject to change quarterly.

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close your regular Christmas Club account before dividends are credited to your account, you will not receive accrued dividends.

Minimum Balance Requirements: The minimum balance required to open this account is the purchase of a $5.00 share in the credit union. You must maintain a minimum balance of $5.00 in your account to avoid a service fee. If, during any month, your account falls below the required minimum daily balance, your account will be subject to a par value fee, which currently is $2.50. You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check draft, debit card, if applicable, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union or to a fee of $10 per item. An excessive share withdrawal fee will be charged for each withdrawal in excess of two during any calendar month.

Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.

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