Credit Cards

Limited Time Offer! 0% promotional APR on cards opened on or after July 1, 2016

  • Offer applies to new cardmembers
  • 0% APR is a promotional rate for purchases only
  • Promotional period: 7/1/16 - 9/15/16
  • Variable rate as low as 8.70% APR*

Our credit card brings you convenience, a low money-saving interest rate, and card benefits that give you Zero Liability** protection and the added benefit of earning Uchoose Rewards® points.

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Details on Promotional Rate, Fees and Other Cost Information

Credit Card Benefits

Classic Credit Card

Share Secured Credit Card

No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee
Online Access and e-Statements
25-Day Interest-Free Grace Period
 UChoose Rewards Points
 Details on Rate, Fees and Other Cost Information
Annual Percentage Rate* for Purchases, Balance Transfers, and Cash Advances 9.20% to 18.20%
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 with the market based on the Prime Rate. 0.50% discount on standard, non-promotional APR available for automatic payment from an American First Credit Union account. If the automatic payment option is cancelled during the life of the loan, the rate(s) on the entire outstanding and future balance(s) may subsequently increase by 0.50%. Additional terms may apply; contact us for more information.

*This APR will vary with the market based on the Prime Rate, as published under "Money Rates" in The Wall Street Journal.

**Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by our Credit Card, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued.

^This offer is available to new card accounts only; one bonus awarded per card account. Card must be opened by 2/15/16, and registered at by 3/15/16. Bonus points will be paid by 4/30/2016.