AFCU Holiday Loan*
Need a Holiday Helper?
Make the most of the holiday season with a little extra financial flexibility! Whether you're shopping for gifts, planning a festive getaway, or hosting family gatherings, an American First Holiday Loan can help cover your seasonal expenses. Enjoy a simpler way to finance your holiday plans with benefits like:
- Quick and easy funding
- No application fees
- Convenient online application process
Tap, Swipe, Win: AFCU Mastercard® Sweepstakes
Could You Be One of AFCU's Two Winners?
From 7/1/26 - 12/31/26, receive one (1) entry for each eligible in-store purchase you make with your physical card, and two (2) entries for each eligible in-store purchase using your digital wallet. The more you use your card, the more entries you'll receive for a chance to win a 4-night trip for two (2) to Miami, Scottsdale, Costa Rica, London, or Paris - or a $100 Mastercard Prepaid® card.
Certificate Specials
Secure one of our top certificate rates for a limited time with flexible terms and guaranteed growth.
OPEN TODAY
Big Prize Savings
Win Cash Prizes Just By Saving Money
Our Big Prize Savings account is a one-of-a-kind savings account that gives you entries into monthly cash drawings just for building your savings. We give away $1,000 every month, $10,000 every quarter, and $50,000 every year end. Get in on the excitement and open your account today!
- Open account in minutes with just a $25 opening deposit
- Keep at least $500 in the account every day and you're automatically entered to win
- Earn additional entries for every $25 saved on top of the $500 balance
- Earn chances to win cash prizes up to $50,000
*APR = Annual Percentage Rate, effective 11/01/2026. Lowest rate with automatic payments from an American First account. Not all applicants will qualify. Income verification will be required. Minimum loan amount is $500. Maximum loan amount is up to $5,000. Required minimum gross income of $1,800 per month. Rate will be based on amount, term, and individual credit history. The promotional APR is available only on a 12-month repayment term with automatic payments. This offer cannot be used to refinance or transfer an existing AFCU debt in your name or secured by collateral titled in your name. Rates and terms are subject to change. Standard non-promotional rate is as low as 9.15% APR. Other terms available. Offer expires 12/31/2026.
