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Important Notice
  $100 for New Members

For a limited time, when you open a new America First account, we’ll match your initial deposit, up to $100. Earn some extra spending (or saving) cash for the holiday season while gaining access to our selection of first-rate financial products & services. Click here for details.

  $50 Deposit Match

Open a new youth account by December 31 and we’ll match every dollar of your initial deposit, up to $50. Stop by a branch to get started! Click here for details. 

Main Content

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
Product Term APR* As Low As Apply Online
CERTIFICATE SECURED Term of Certificate Certificate Rate + 3.00% Fixed
SHARE SECURED 10 Years 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. Rates and terms are accurate as of Wednesday, December 01, 2021 and are subject to change. Consumer Loans have a maximum APR of 18%.
*Rates displayed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Rates and terms are accurate as of Wednesday, December 01, 2021 and are subject to change.

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.