Rates

Rates effective as of: December 21, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Loan rate is determined by adding the percentage rate listed to your current certificate / share rate.

Rates effective as of: December 21, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR). Your rate will depend on final underwriting, which includes creditworthiness.

Rates effective as of: December 21, 2024

*APR=Annual Percentage Rate

**Up to 90% LTV - These rate offers are subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates quoted require a loan origination fee of 1.00%. This is not an offer of credit and is subject to the terms and conditions of America’s First Federal Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.

A 5/1 adjustable-rate loan of $100,000 for 30 years at 5.250% interest and 9.701% APR will have an initial monthly payment of $552.20 and a maximum monthly payment of $910.38.
A fixed-rate loan of $100,000 for 15 years at 5.250% interest and 5.562% APR will have a monthly payment of $803.88.
A fixed-rate loan of $100,000 for 30 years at 6.250% interest and 6.447% APR will have a monthly payment of $615.72.
A fixed-rate loan of $100,000 for 30 years at 6.750% interest and 6.956% APR will have a monthly payment of $648.60.
A fixed-rate loan of $100,000 for 30 years at 5.990% interest and 6.188% APR will have a monthly payment of $598.91.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.

***100% LTV subject to loan limits.
***Up to 100% financing with no PMI, Maximum loan amount up to $300,000, Home-buyer's education class required.
The interest rate, Annual Percentage Rate (APR) and origination fees are subject to change without notice and will depend on creditworthiness and loan-to-value ratio. This program is available to consumer members only and the subject property must be a member’s intended primary residence. Members must meet underwriting criteria and are subject to approval and verification of income, credit and availability of funds for closing costs. Escrow of property insurance and property taxes is required. Applicants must complete home-buyer’s education class prior to closing. Program may be discontinued at any time.

Rates effective as of: December 21, 2024

*Twelve months after closing, the interest rate will convert to a variable rate which is based on the Prime Lending Rate as published in The Wall Street Journal plus a margin of 0% to 2.50% based on your creditworthiness, which currently would be between 8.500% APR and 11.000% APR. Offer good only on new Home Equity Lines of Credit. AFFCU will maintain a security interest on the property securing the account. Closing costs are estimated between $365.00 and $1,250.00. Property insurance is required. Available equity is based upon the current assessed value of your property. The maximum rate that can apply is 18.00% APR. Maximum Loan-to-Value is 80%. Consult a tax advisor regarding the deductibility of interest. The annual non-usage fee is waived for any year in which there is an advance. Not available for Business Accounts. Limited to primary residences in the State of Alabama.

*APR=Annual Percentage Rate.

Rates subject to change.

Rates effective as of: December 21, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

Disclosures

Agreement

Rates effective as of: December 21, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

Disclosures

Agreement

Rates effective as of: December 21, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

Disclosures

Agreement

Rates effective as of: December 21, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

Disclosures

Agreement

Rates effective as of: December 21, 2024

Consumer Lending Rates, stated as Annual Percentage Rates (APR).

Disclosures

Agreement

Rates effective as of: December 21, 2024

*Annual Percentage Yield

**Flex Rate: Deposit a minimum of $500 into an America’s First FlexRate Certificate and lock in one of the best rates around. If rates go up any time during the term of your certificate, just drop by your nearest America’s First branch and increase the rate on your certificate. (Limit one rate increase during the original term of the certificate.) A new certificate will be issued for the same term as the original certificate. Available to qualified members only. Member savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the federal government. Individual Retirement Accounts are federally insured up to an additional $250,000 by the National Credit Union Administration. Rates and terms are subject to change without notice. Substantial penalty for early withdrawal.

Rates are accurate as of today, and are subject to change weekly.

Dividends: We will pay this rate from the date of issue until the Original Maturity Date disclosed above. In the event that a Share Certificate renewed for any successive period(s), it will earn dividends at the prevailing rate then in effect. On accounts with maturities longer than one month, you will be notified in advance of the renewal, and we will tell you when the rate will be known for any subsequent renewal period. The annual percentage yield (APY) assumes that dividends remain in the account until maturity. A withdrawal of dividends will reduce your earnings. If you close this account before dividends are paid, you will receive the accrued dividends subject to the early withdrawal penalty.

Dividend Computation Method: Dividends are computed using the Daily Balance Method which applies a daily periodic rate to the balance in the account each day.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated above. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned and may be subject to a fee, or your account may be closed.

Subsequent Renewals: This account will automatically renew for successive periods equal to the original term beginning on each maturity date. You will have a grace period of 10 calendar days after maturity to withdraw funds without a penalty. If you do not wish to automatically renew this account, you must either notify us in writing before any maturity date, or within 10 days thereafter, or close this account at maturity or within 10 calendar days.

Early Withdrawal Penalty: If any account owner requests a full or partial withdrawal of principal prior to any maturity date, unless caused by the death or incapacity of an account owner, and we agree to allow the early withdrawal, you will be subject to a penalty equal to the lesser of all accrued dividends as calculated from the Issue Date, or 90 days dividends, 180 days dividends or 240 days dividends based upon the maturity schedule below.

Certificate Term: Early Withdrawal Penalty
3 months to 12 months: The lesser of 90 days dividends or all dividends accrued to date;
13 to 48 months: The lesser of 180 days dividends or all dividends accrued to date;
49 to 60 months: The lesser of 240 days dividends or all dividends accrued to date.

See the Plan disclosure if this account is part of an IRA or other tax qualified plan.

Rates effective as of: December 21, 2024

*Annual Percentage Yield

Rates are accurate as of today, and are subject to change weekly.

Rate Information: The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors. Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close this account before dividends are credited to your account, you will not receive accrued dividends.

Member savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the federal government.

Minimum Balance Requirements: There is no minimum balance requirement for this account.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Transaction Limitations: Deposits to this account are limited to the eligible annual amount as established by the Internal Revenue Service and changed from time to time. Unqualified withdrawals are subject to penalties imposed by the Internal Revenue Service as outlined below. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned for repayment will be returned and may be subject to a fee, or your account may be closed.

Early Withdrawal Penalty: The credit union does not impose an early withdrawal penalty for this account. Any withdrawal of funds from your IRA account, other than in the event of your death, disability or having attained the age of eligibility as defined by the Internal Revenue Service is subject to penalties imposed by the IRS.

Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.

Rates effective as of: December 21, 2024

*Annual Percentage Yield

Rates effective as of today, and are subject to change after the account is opened.

Rate Information: The dividend rate and Annual Percentage Yield are subject to change. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Annual Percentage Yields, as quoted above, are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

Dividend Information: For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of the first period is January 31. All other dividend periods are based upon a calendar month and follow the same pattern of dates. The dividend declaration period is the last date of the dividend period, and for this example would be January 31.

Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. If you close your account before dividends are credited to your account, you will not receive any unpaid dividends.

The dividend rate and Annual Percentage Yield paid on your account depends upon the tier into which your ending balance falls each day. Tiers are the different ranges of balances.

Minimum Balance Requirements: The minimum balance required to open this account is $2,500.00. You must maintain a daily balance of $2,500.00 to avoid a minimum balance fee. If your daily balance falls below the stated minimum balance during any day, your account will be subject to a minimum balance fee for the dividend period as set out in our fee schedule.

Transaction Limitations: Funds may not be withdrawn from this account through an ATM, ITM, Debit Card, or ACH transaction. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned and may be subject to a fee, or your account may be closed. There is no limit on the number of withdrawals or transfers made by you in person, by mail, ATM, or ITM.

Rates effective as of: December 21, 2024

*Annual Percentage Yield

Rates effective as of today, and is subject to change after the account is opened.

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close your regular Christmas Club account before dividends are credited to your account, you will not receive accrued dividends.

Minimum Balance Requirements: You must maintain a minimum average daily balance of $100 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned and may be subject to a fee, or your account may be closed.

Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Fees and Charges: An early withdrawal fee of $10.00 per withdrawal will be charged for each withdrawal in excess of one per club year.

Rates effective as of: December 21, 2024

*Annual Percentage Yield

Rates effective as of today, and is subject to change after the account is opened.

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by AmFirst’s Board of Directors.

Compounding and crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. If you close your account before dividends are credited to your account, you will not receive accrued dividends.

Minimum Balance Requirements: There is no minimum balance required to open this account. You must maintain a minimum average daily balance of $.01 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day funds are deposited into your account.

Transaction Limitations: Deposits into this account may only be made by Pocket Change transfers from Debit Card transactions. Debit Card transactions are rounded up to the nearest whole dollar amount and the difference is deposited to your Pocket Change account at the end of each day. Funds may not be withdrawn from this account through an ATM, ITM, Debit Card, or ACH transaction. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned and may be subject to a fee, or your account may be closed.

Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Rates effective as of: December 21, 2024

*Annual Percentage Yield

The EZ Premium Checking Account in no longer available after being discontinued in April, 2019. EZ Premium Checking Account information is provided here for pre-existing account holders.

Rate Information: The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every month. Dividends will be credited to your account every month. For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be January 31.

Minimum Balance Requirements: The minimum balance required to open an EZ Premium Checking Account is $2,500. You must maintain a minimum average daily balance of $2,500 in your account to obtain the disclosed annual percentage yield. If your account balance falls below $2,500, you will be subject to a minimum balance fee.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: No transaction limitations apply to this account.

Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.

Share Draft Fees and Charges: Prices for share drafts vary depending on the style and quantity selected. These fees are provided to you at the time you place your share draft order. There is a minimum monthly fee if you elect to receive images of your canceled checks by mail. The fee is set by the Board of Directors and may be changed from time to time.

Other Terms and Conditions: See your account agreement for the other terms and conditions of this account.

Rates effective as of: December 21, 2024

*Annual Percentage Yield
$5.00 minimum requirement to open a Share Account.
$100.00 minimum average daily balance required to earn a dividend.

Rates effective as of today, and subject to change quarterly.

Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors.

Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31.

Minimum Balance Requirements: The minimum balance required to open this account is the purchase of a $5.00 share in the credit union. You must maintain a minimum balance of $5.00 in your account to avoid a service fee. If, during any month, your account falls below the required minimum daily balance, your account will be subject to a par value fee, which currently is $5.00. You must maintain a minimum average daily balance of $250.00 in your account to obtain the disclosed annual percentage yield.

Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account.

Transaction Limitations: Funds may not be withdrawn from this account through an ATM, ITM, Debit Card, or ACH transaction. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned and may be subject to a fee, or your account may be closed.

Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.