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.
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.
If you are building your credit or repairing damaged credit, choose our secured credit card.
Credit Card Rates
As of 07/23/2025
| Card Type | APR* as low as |
|---|---|
| AFCU Credit Card with uChoose Rewards |
12.70% - 22.20% |
| Secured Credit Card with uChoose Rewards | 21.70% |
*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. You may also call 800-290-1112 to make a payment by phone.
Please note: All mortgage payments, including payoffs must be received by 1:00 PM PT on Friday, December 31, 2024 to be credited same day. Payments and payoffs received after the cut off will be credited on our next business day, January 2, 2025. No exceptions can be made due to year end processing.
