Secured Loans with Low Rates, Peace of Mind
You can borrow against your America First Certificate Account at an affordable rate and with friendly terms.
| PRODUCT | TERM | APR* (AS LOW AS) | APPLY ONLINE |
|---|---|---|---|
| CERTIFICATE SECURED | Certificate Rate + 3.00% Fixed | ||
| SHARE SECURED | 10 Years | 3.05% Variable | |
| SHARE SECURED LINE OF CREDIT | 3.05% Variable | ||
| *The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Tuesday, April 15, 2025, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required. | |||
Certificate Secured Loans
Secure an affordable loan by borrowing against your America First Certificate Account. America First offers low interest rates - as low as 3.0% above your Certificate dividend - and flexible repayment terms that match your account's maturity. Plus, we'll provide financing within minutes, you can set up automatic payments and we'll deliver the quality member service that defines America First Credit Union.
Best of all, you'll still earn interest on your Certificate Account investment.
The Specifics:
- Excludes IRA Certificate Accounts
- Loans cannot exceed maximum Certificate Account values
- The collateral is up to 90% of the Certificate Account value for due-in-full loans or 100% loan-to-value with regular monthly payments
- Loans with payments may not exceed the Certificate maturity date
- Ask a Member Service professional about exceptions
We're Here to Help You
At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve.