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Get More of What Matters

With the American First Credit Card

The Credit Card That Gives More

Everyday Low Rate, No Hidden Fees, & Free Rewards

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  • NO cash advance fee
  • NO balance transfer fee
  • NO annual fee
  • Earn great rewards
Online and Mobile Banking access           uChoose Rewards
No Cash Advance or Balance Transfer Fee Convenient payments online, by phone, or at credit union branch
No Annual Fee Use as an overdraft source for your checking account 
CardValet On/Off Card Control 25-Day Interest-Free Grace Period

The convenient credit card all year long - rates as low as 10.45% APR*

                                                         (with automatic payment discount applied) 
Details on Rates, Fees and Other Cost Information
Annual Percentage Rate* for Purchases, Balance Transfers, and Cash Advances (with automatic payment discount applied) 10.45% to 19.45%

based on your creditworthiness

To help build history. It's a secured card by a savings account held as collateral
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

Credit Card Benefits

24-Hour Cardmember Service

Available via toll-free number 800.290.1112, 24 hours a day, 365 days a year.

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* APR (Annual Percentage Rate) subject to change at any time without notice. Best rate is for top tier credit, subject to approval. A 0.50% discount on APR is available for automatic payments from an AFCU account. If the automatic payment option is cancelled at any time, the rate on the entire outstanding and future balance will subsequently increase by 0.50%.  This APR will vary with the market based on the Prime Rate as published under "Money Rates" in The Wall Street Journal. Rates valid as of 10/01/2018. Additional terms may apply; contact the Credit Union for more information. 

For new applications, a membership account will be established at time of account opening and a lifetime membership fee of $5 will be requested.

Share Secured Loans have a maximum loan amount of $5,000 per member; and a maximum loan amount of $1,500 for memberships 12 month or newer.