--- title: "America's First Credit Union Rates - Alabama" description: "Current mortgage, vehicle loan, heloc, personal loan, and savings & cd rates from America's First Credit Union in Alabama. Updated daily with source verification. See who can join America's First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/americas-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # America's First Credit Union Rates - Alabama ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.000% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.125% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.625% | — | Standard | | **No Closing Costs First Mortgage 50% LTV** other | — APR | 5.240% | — | Standard | | **No Closing Costs First Mortgage 80%LTV/Balloon** other | — APR | 6.240% | — | Standard | | **No Closing Costs First Mortgage 80% LTV** other | — APR | 6.490% | — | Standard | America's First Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan - Declining Rate Auto** auto_any_60mo | — APR | 5.490% | 60 mo | Standard | | **72-Month Auto Loan** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **NEW/USED BOAT** boat_any_180mo | — APR | 7.740% | 180 mo · any | Standard | | **MOTORCYCLE - (Minimum Loan Amount of $20,000 Required)** motorcycle_any_120mo | — APR | 7.890% | 120 mo | Standard | | **ATV / SMALL WATERCRAFT / SNOWMOBILE** powersports_any_84mo | — APR | 7.890% | 84 mo | Standard | | **84-Month Motorcycle Loan** motorcycle_any_84mo | — APR | 7.890% | 84 mo | Standard | | **Auto Loan - (Minimum Loan Amount of $30,000 Required)** auto_any_96mo | — APR | 7.990% | 96 mo | Standard | | **MOTORCYCLE - (Minimum Loan Amount of $25,000 Required)** motorcycle_any_180mo | — APR | 8.140% | 180 mo | Standard | America's First Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 10 offers | Product | Published | Rate | Term / condition | Status | | **No Closing Costs Fixed For 5 HELOC 50% LTV** heloc_fixed | — APR | 6.490% | — | Standard | | **No Closing Costs Fixed For 5 HELOC 80% LTV** heloc_fixed | — APR | 6.740% | — | Standard | | **No Closing Costs Home Equity Loan 50% LTV** heloc_fixed | — APR | 6.890% | — | Standard | | **No Closing Costs Home Equity Loan 80% LTV** heloc_fixed | — APR | 6.990% | — | Standard | | **No Closing Costs Home Equity Line 50% LTV** heloc | — APR | 7.490% | — | Standard | | **No Closing Costs Home Equity Line 80% LTV** heloc | — APR | 7.740% | — | Standard | | **Home Equity Loan 90% LTV** heloc_fixed | — APR | 8.240% | — | Standard | | **No Closing Costs Home Equity Loan 80% LTV Balloon** heloc_fixed | — APR | 8.240% | — | Standard | | **Home Equity Loan 100% LTV** heloc_fixed | — APR | 9.490% | — | Standard | | **Home Equity Line 100% LTV** heloc | — APR | 12.490% | — | Standard | America's First Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 3.050% | — | Standard | | **120-Month Share-Secured Loan** personal_secured_120mo | — APR | 3.050% | 120 mo | Standard | | **12-Month Personal Loan** personal_unsecured_12mo | — APR | 12.490% | 12 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 16.490% | — | Standard | America's First Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **60-Month Certificate** cd_60mo | — APY | 4.51% | 60 mo | Standard | America's First Credit Union savings & cd rates as of November 12, 2026 America's First Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/americas-first) , verified from [America's First Credit Union's official website](https://www.americafirst.com/accounts/certificate-accounts/regular-cd.html) Loading branch locator… ## About America's First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 195.1K Assets $2.7B Founded 1936 Locations reported 22 NCUA charter 24534 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products - Payday Alternative Loans I - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Southern Energy** Alabama Power Headquarters · Birmingham · AL · 35203-2206 About 0.1 miles away](https://rateapi.dev/credit-unions/alabama/southern-energy) [**Fireman's** Main Office · Birmingham · AL · 35203-2201 About 0.1 miles away](https://rateapi.dev/credit-unions/alabama/firemans) [**Jefferson Credit Union** Courthouse · Birmingham · AL · 35203 About 0.2 miles away](https://rateapi.dev/credit-unions/alabama/jefferson-credit-union) [**Alabama Postal** Alabama Postal Credit Union · Birmingham · AL · 35203-3836 About 0.5 miles away](https://rateapi.dev/credit-unions/alabama/alabama-postal) [**Alabama** Downtown Birmingham Post Office · Birmingham · AL · 35203-3836 About 0.5 miles away](https://rateapi.dev/credit-unions/alabama/alabama) [**Avadian** Midtown · Birmingham · AL · 35233 About 0.6 miles away](https://rateapi.dev/credit-unions/alabama/avadian) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join America's First Credit Union Membership eligibility from America's First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on America's First Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer America First Federal Credit Union - Association Select Employer Group (SEG) or an affiliated association Verified from [America's First Credit Union's membership page](https://www.americafirst.com/accounts/membership/become-member.html) . Final membership determination is always made by the credit union. ## Membership rules for America's First Credit Union Geography 6 counties · Employers · Associations · Family 2 10 published paths to membership, last verified August 21, 2026, quoted from America's First Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Calhoun County, AL - Cullman County, AL - Jefferson County, AL - Mobile County, AL - Shelby County, AL - Talladega County, AL “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Calhoun County, AL; Cullman County, AL; Jefferson County, AL; Mobile County, AL; Shelby County, AL; Talladega County, AL” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of America First Federal Credit Union “Employees of America First Federal Credit Union or its subsidiary corporations” > [source ↗](https://www.americafirst.com/accounts/membership/become-member.html) - Employee of America First Federal Credit Union ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Select Employer Group (SEG) or an affiliated association “Employees or members of our Select Employer Group (SEG) or an affiliated association” > [source ↗](https://www.americafirst.com/accounts/membership/become-member.html) - Member of Select Employer Group (SEG) or an affiliated association ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family, household member “Members of the immediate family or household of an existing member” > [source ↗](https://www.americafirst.com/accounts/membership/become-member.html) - Family member (immediate family, household member) of a member - Family of a member spouse “Spouses of members who died within the field of membership” > [source ↗](https://www.americafirst.com/accounts/membership/become-member.html) - Family member (spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for America's First Credit Union? Yes No ## Work at America's First Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where America's First Credit Union ranks against Alabama peers. - See which AI assistants fetched America's First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=americas-first&state=alabama&code=AL&name=America's%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does America's First Credit Union offer? America's First Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are America's First Credit Union rates updated? RateAPI verifies America's First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get America's First Credit Union's rate data? Rate data is collected directly from America's First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join America's First Credit Union? America's First Credit Union publishes its membership criteria on its own website. RateAPI tracks 10 published membership paths covering 6 counties, 1 employer and 1 association for America's First Credit Union, each quoted from America's First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare America's First Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama mortgage rate leaders](https://rateapi.dev/mortgage-rates/alabama) [Alabama auto loan rate leaders](https://rateapi.dev/auto-loan-rates/alabama) [Alabama HELOC rate leaders](https://rateapi.dev/heloc-rates/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.americafirst.com/accounts/certificate-accounts/regular-cd.html) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track America's First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for America's First Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /americas-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## America's First Credit Union locations Search, filter, and browse all 22 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/americas-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp