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Credit Cards

Choose Your Card

Make your purchases more secured and convenient with an American First Credit card. We offer card options that allow you to make secured transitions and earn uChoose Rewards® while making everyday purchases.

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AFCU Credit Card with Rewards
AFCU Credit Card with Rewards

Choose a credit card with a great rate, no annual, cash advance, or balance transfer fees, and allows you to earn rewards points as you make purchases.

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Secured Credit Card
Secured Credit Card

If you are building your credit or repairing damaged credit, choose our secured credit card.

Credit Card Rates

As of 03/19/2024
CD Rates
Card Type APR* as low as
AFCU Credit Card with uChoose Rewards

13.70% - 22.70%

Secured Credit Card with uChoose Rewards 22.70%

*APR (Annual Percentage Rate) subject to change with the market based on the Prime Rate. Rate shown includes 0.50% discount for automatic payments from an American First account. If the automatic payment option is canceled during the life of the loan, the rate(s) on the entire outstanding and future balance(s) may subsequently increase by 0.50%. A one time $5 lifetime membership may apply. Additional terms and certain restrictions may apply; contact us for more information.

 
 

Online Loan Payment Portal

If you don't use Online or Mobile Banking, making a loan payment on your American First loan has never been easier. With this service, you can use any savings or checking account to pay your loan online. 

Online loan payments are free for registered users! If you would like to pay as a guest (no registration required), there is a $5 convenience fee for each payment. Debit cards are accepted for guest payments only. You may also call 800-290-1112 to make a payment by phone.

Guest Payment

** Please note, all mortgage payments, including payoffs must be received by 5:00 PM PT on Friday, December 29, 2023 to be credited same day. Payments and payoff’s received after the cut off will be credited on our next business day, 1-2-2023.  No exceptions can be made due to year end processing.**

Payments made after 5pm PST will be processed on the next business day. 

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