About America First Credit Union
For eligible members in the Mountain West. Compare fixed auto rates, terms from five to eight years, and pre-approval before visiting a dealership.
America First Credit Union offers new and used vehicle loans and auto refinancing. The main auto page lists Utah rates, with separate rate pages for other states. Its auto financing and membership areas are not identical, so check both your eligibility and the rate for the state where you apply. Applications are available online, by phone or at a branch.
What to compare
Start with membership. Then compare the rate and term for your state.
Fixed APRs by term
The rate table lists 5, 6, 7 and 8 year fixed rates.
On the page we checked, the Utah table ran from 5.24% for 5 years to 7.99% for 8 years. The 8-year loan needs a $30,000 minimum.
Pre-approval for new cars
AFCU invites you to get pre-approved before you visit a dealership.
The new auto loan section also mentions fixed and variable rate options. The page does not say whether pre-approval is a soft or hard credit pull.
Used and refinance loans
The same page covers used auto loans and auto refinance.
Used loans are described as "rates as low as new car rates". Refinancing is described as a way to lower your existing payment and rate.
Declining Rate Auto loan
The interest rate falls with each on-time payment.
This program is offered online and at branches, with a 60-month term. The table lists it at 5.49% fixed APR as low as.
Pros & cons
Pros
- Rates are published by term, with an "as of" date: Tuesday, October 20, 2026.
- Terms run from 5 to 8 years, and used loans are described as priced as low as new car loans.
- The page says you can get pre-approved before you visit a dealership.
- The maximum APR for consumer loans is stated as 18%.
Cons
- Membership is limited by county, employer or family tie, so many buyers cannot join.
- The rates shown are for Utah, and other states are on separate pages.
- The 8-year term requires a loan of at least $30,000 and carries the highest APR in the table.
- The page does not publish separate used or refinance rates in the table.
Published rates and terms
These are the Utah "as low as" fixed APRs published on the auto loan page, checked November 2, 2026. The page says rates were accurate as of October 20, 2026.
America First Credit Union plans at a glance
| Plan | Rate / fee | What is included |
|---|---|---|
| Auto loan, 5 years | from5.24%APR | Fixed rate for the shortest standard term.
|
| Auto loan, 6 years | from5.49%APR | A lower monthly payment than 5 years.
|
| Auto loan, 7 years | from6.24%APR | A longer term at a higher rate.
|
| Auto loan, 8 years | from7.99%APR | Longest term, for larger loans.
|
Auto loan, 5 years
Fixed rate for the shortest standard term.
- Utah rate
- Depends on credit
Auto loan, 6 years
A lower monthly payment than 5 years.
- Fixed rate
- Utah rate
Auto loan, 7 years
A longer term at a higher rate.
- Fixed rate
- Utah rate
Auto loan, 8 years
Longest term, for larger loans.
- $30,000 minimum loan
- Fixed rate
America First at a glance
| Fact | Detail |
|---|---|
| Type | Federally insured credit union (NCUA) |
| Mailing address | P.O. Box 9199, Ogden, Utah 84409 |
| Auto loan states | Utah, Nevada, Arizona, Idaho and New Mexico |
| Who can join | People who live, work, worship, volunteer or attend school in listed areas, plus family, select employer groups and some others |
| Fixed APR as low as | 5.24% (5 years, Utah) to 7.99% (8 years, Utah), as of October 20, 2026 |
| Longest published term | 8 years, with a $30,000 minimum |
| Loan types | New, used, refinance and Declining Rate Auto |
| How to apply | Online, in a branch or by phone |
How it works
Check that you can join
Use the address search on the membership page, or confirm that you work for a select employer group or have a family tie to a member.
Pick a loan type and term
Choose new, used or refinance, then compare the 5 to 8 year rates for your state.
Get pre-approved
AFCU invites you to get pre-approved before you visit a dealership, so you know your buying power.
Apply
Apply online, at a branch, or by calling 1-800-999-3961.
Verify insurance and close
AFCU has an insurance verification page for your vehicle. Your final rate depends on credit history and underwriting.
What the payments add up to
This illustration compares fixed monthly payments. It is not a loan offer or a personalized quote.
- Amount financed
- $30,000.00
- Rate and termFixed-payment illustration
- 5.24% · 60 months
- Total interest
- $4,166.49
- Total paid
- $34,166.49
$569.44 / month
Illustrative paymentAssumes $30,000.00 financed at 5.24% APR for 60 months, with equal monthly payments. Excludes fees, optional products and payment deferrals. Figures use the published rate recorded on November 2, 2026. Your actual rate and payment may differ.
Is America First a good fit?
America First vs. the alternatives
America First Credit Union
- 5.24% to 7.99% APR as low as (Utah)
- 5 to 8 year terms
- Five-state auto financing
SDCCU
- 4.89% to 6.49% APR as low as
- Terms up to 84 months
- Nine Southern California counties
Desert Financial
- 6.34% APR as low as
- One rate for new, used and refinance
- Arizona focus
Compared on published rates; each lender's rate depends on your credit and the date.
Before you sign
Where our information comes from
We compare published terms, not personal eligibility or approval. Ratings are editorial estimates on a five-star scale. We did not borrow from these lenders.
- America First: Auto loans: Utah rate table dated October 20, 2026, loan types, pre-approval, states, application options, declining-rate loan. Checked November 2, 2026.
- America First: Loan rates: the same auto rate table and the 18% maximum APR note. Checked November 2, 2026.
- America First: Becoming a member: field of membership, family and employer routes, branch count, 1939 start, Ogden address. Checked November 2, 2026.
- SDCCU: Vehicle loan rates: comparison APRs. Checked November 2, 2026.
- Desert Financial: Auto loans: comparison APR. Checked November 2, 2026.
Alternatives
Desert Financial Credit Union
SDCCU
Mariner FinanceFrequently asked questions
Who can join America First Credit Union?
You can join if you live, work, worship, volunteer or attend school in an eligible area of Utah, Nevada, Arizona, Idaho, Oregon, New Mexico or California. Immediate family or household members of a member, and members of a select employer group, can also join. The membership page has an address search.
What states does America First finance cars in?
The auto loan page says AFCU offers auto financing in Utah, Nevada, Arizona, Idaho and New Mexico. The rates on the page are for Utah, with links to rates for Arizona, Nevada and New Mexico.
What is the lowest America First auto loan rate?
On the page we checked, the lowest APR was 5.24% fixed for a 5-year Utah auto loan, as of October 20, 2026. The page says your rate may be higher depending on credit history and underwriting.
Does America First offer pre-approval and refinancing?
Yes to both. The page invites you to get pre-approved before you visit a dealership, and it lists auto refinance loans. AFCU does not publish a separate refinance rate.