No Annual Fee Credit Card

The convenient card all year long - rates as low as 9.20% APR*
                                                             (with automatic payment discount applied)

With the NEW American First Mastercard®, you'll enjoy one low rate no matter how you use your card!


No Balance Transfer Fee                   uChoose Rewards
No Cash Advance Fee Convenient payments online, by, phone, or at a credit union branch
No Annual Fee Use of Overdraft Protection for your Checking Account
CardValet 25-Day Interest-Free Grace Period

Apply for a Credit Card

Details on Rate, Fees and Other Cost Information
Annual Percentage Rate* for Purchases, Balance Transfers, and Cash Advances (with automatic payment discount applied) 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 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 01/01/2017. Click here for Terms & Conditions. Additional terms may apply; contact the Credit Union for more information. 

** BALANCE TRANSFERS:  If introductory/promotional rate is applied, there is a 3% balance transfer fee for each transfer made during the promotional period. To receive the 0% intro/promotional APR, balance transfers must be requested at time of account opening. If standard (non-promotional) rate is applied to the balance transfer, there is no balance fee. Balance Transfers will be made in the order listed once the card account is opened, up to 97% of the credit limit. Transfers cannot be applied to an AFCU loan.

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.