America First Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Riverton Wal-Mart	13502 S Hamilton View Rd, Riverton, UT 84065	View Lobby Hours
Kaysville	1302 W 200 N, Kaysville, UT 84037	View Lobby Hours
Herriman	5438 W 13400 S, Herriman, UT 84096	View Lobby Hours
Lehi	1238 East Timpanogos Highway, Lehi, UT 84043	View Lobby Hours
Tooele Macey's	972 N Main St, Tooele, UT 84074	View Lobby Hours
St. George Red Cliffs	2722 Red Cliffs Dr, Saint George, UT 84790	View Lobby Hours
Ogden 20th Street	1979 Washington Blvd, Ogden, UT 84401	View Lobby Hours
Traverse Mountain Harmons	1750 W Traverse Pkwy, Lehi, UT 84043	View Lobby Hours
Tempe Office	1414 W Broadway Rd, Tempe, AZ 85282	View Lobby Hours
Kearns	5219 S 4015 W, Kearns, UT 84118	View Lobby Hours
West Point Smith's	217 N 2000 W, West Point, UT 84015	View Lobby Hours
American Fork	611 W Pacific Dr, American Fork, UT 84003	View Lobby Hours
Service Center	4051 S 1900 W Bldg 5, Roy, UT 84067	View Lobby Hours
Operations Center	1344 W 4675 S Bldg 1, Riverdale, UT 84405	View Lobby Hours
Data Center	4661 S Cozy Dale Dr, Riverdale, UT 84405	View Lobby Hours
Commercial Center	4646 S 1500 W Bldg 2, Riverdale, UT 84405	View Lobby Hours
Management Center	4774 S 1300 W Bldg 3, Riverdale, UT 84405	View Lobby Hours
Bountiful	48 N 500 W, Bountiful, UT 84010	View Lobby Hours
Bountiful Dick's Market	2280 Orchard Dr, Bountiful, UT 84010	View Lobby Hours
Bountiful Smith's 555 S	555 S 200 W, Bountiful, UT 84010	View Lobby Hours
Brigham City	35 E 100 S, Brigham City, UT 84302	View Lobby Hours
Centerville	451 E 400 N, Centerville, UT 84014	View Lobby Hours
Centerville Dick's Market	350 E Pages Ln, Centerville, UT 84014	View Lobby Hours
Layton Fairfield	88 S Fairfield Rd, Layton, UT 84041	View Lobby Hours
Clearfield Kent's	580 S Main St, Clearfield, UT 84015	View Lobby Hours
Clinton	1724 N 2000 W, Clinton, UT 84015	View Lobby Hours
Cottonwood	6924 S 2300 E, Salt Lake City, UT 84121	View Lobby Hours
Draper	520 E 12300 S, Draper, UT 84020	View Lobby Hours
Draper Harmons	672 E 11400 S, Draper, UT 84020	View Lobby Hours
Harrisville	358 N Harrisville Rd, Ogden, UT 84404	View Lobby Hours
Harrisville Wal-Mart	534 N Harrisville Rd, Harrisville, UT 84404	View Lobby Hours
Holladay Millcreek	4519 S 1300 E, Salt Lake City, UT 84117	View Lobby Hours
Hyrum Ridley's	780 E Main St, Hyrum, UT 84319	View Lobby Hours
Hurricane Wal-Mart	180 N 3400 W, Hurricane, UT 84737	View Lobby Hours
Kaysville Bowman's	326 N Main St, Kaysville, UT 84037	View Lobby Hours

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Reviews on America First

jkihl | Feb 27, 2020

Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable

me | Jan 29, 2020

Switched to AF about 5 years ago after previous CU raised minimum rates. Local branch location staff great at remembering customers, great customer service. Not too thrilled with lower rates for savings products and/or higher rates for loan products.

Lg shappart | Mar 27, 2019

Why is America first credit union not matching cd rates at Cyprus and golden west cu on 5 year cd forceing us to change credit unions after 30+ years with America first really disappointed in not being competive.

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.876%	5.750%	0.75	$4,417	$1,868	Learn More
NMLS ID: 3030						Learn More

See More Mortgage Rates →

Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

America First Credit Union - Nationwide Branches

Reviews on America First

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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