America First Credit Union Credit Cards

America First Credit Union is a Utah-based credit union with locations in Utah, Nevada, Arizona, and Idaho. Browse a selection of credit card offers from this credit union below.

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America First Credit Union Visa Classic Credit Card

Choose Either a Low-Rate or Cash Back Option

America First Credit Union Visa Classic Credit Card
  • Regular Purchase APR 12.74% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.74% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.74% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Processing Network Visa
Best Benefits
  • Personalize your card design with Picture Perfect
  • Choose the card that’s right for you: Select between a low-rate or cash back option
  • No annual fee
  • Travel emergency assistance included
Rates & Fees
  • Regular Purchase APR: 12.74% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.74% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 12.74% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
Credit Card Deals

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America First Credit Union Visa Platinum Credit Card

No Annual Fee

America First Credit Union Visa Platinum Credit Card
  • Regular Purchase APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Personalize your card with your own image, and choose from one of four perk options
  • No balance transfer fees
  • Identity theft recovery feature included standard
Rates & Fees
  • Regular Purchase APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

America First Credit Union Visa Signature Cash Back Credit Card

Earn Up to 1.5% Cash Back

America First Credit Union Visa Signature Cash Back Credit Card
  • Regular Purchase APR 15.74% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.74% to 18%variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 15.74% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn between 1% and 1.5% cash back on every purchase
  • Redeem points for merchandise or travel
  • Visa Signature offers the ability to use this card anywhere in the world where Visa is accepted
  • No annual fee or balance transfer fees
Rates & Fees
  • Regular Purchase APR: 15.74% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.74% to 18%variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 15.74% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: $10
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

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America First Credit Union Visa Share Secured Credit Card

Build Your Credit With a Low Rate

America First Credit Union Visa Share Secured Credit Card
  • Regular Purchase APR 10.5% variable based on the Prime Rate
  • Balance Transfer APR 10.5% variable based on the Prime Rate
  • Cash Advance APR 10.5% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Fair , Poor
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Credit limits start from $200
  • Low regular rates for purchases
  • Travel emergency assistance included
Rates & Fees
  • Regular Purchase APR: 10.5% variable based on the Prime Rate
  • Balance Transfer APR: 10.5% variable based on the Prime Rate
  • Cash Advance APR: 10.5% variable based on the Prime Rate
  • Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Minimum Deposit Required: $200
Credit Card Deals

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

About America First Credit Union

America First Credit Union is one of the largest credit unions in the United States, serving members in Utah, Idaho, Arizona, and Nevada.  The credit union is the sixth largest by total membership (1,000,000+) and the ninth-largest credit union by total assets.

America First dates to 1939 as Fort Douglas Civilian Employees Credit Union in Fort Douglas, Utah. The credit union changed its name and headquarters several times over the next half-century, before becoming America First Credit Union in 1984.

The credit union has since acquired Community One Federal Credit Union in Las Vegas, NV, as well as Altier Credit Union in Arizona.

Who Can Join America First CU?

Membership in America First Credit Union is open to anyone who lives, works, worships, attends school, conducts business, or volunteers in the following counties or areas:

Utah

  • Salt Lake County
  • Utah County
  • Davis County
  • Summit County

Nevada

  • Clark County
  • Residents that live within a 12-mile radius of Mesquite, NV

Arizona

  • Those formerly eligible for membership with Altier Credit Union

Membership is also open to immediate family members of current America First members and owners, employees, suppliers, and their employees, or associated companies and their employees involved in the food industry, an affiliated association, or select employee group in the state of Utah

Branch Locations

America First operates more than 130 branches in Arizona, Nevada, Utah, and Idaho, including locations in Mesquite and Las Vegas, NV, Mesa and Tempe, AZ, Boise, ID, and Salt Lake City, Ogden, Orem, and St. George, UT. The credit union also operates ATMs both in-branch and at standalone locations.

For a complete listing of America First  branch locations – including ATM locations, branch hours of operation, and contact information – please visit the credit union’s locations page.

FAQs About America First Credit Union

Here are answers to commonly asked questions about America First Credit Union and Altier Credit Union:

  • Despite the merger between America First and Altier Credit Union, all Altier branches remain open.
  • Altier (now America First) has branches in Tempe, Mesa, Tolleson, Page, and St. Johns, Arizona.
  • America First’s ABA routing number is 324377516.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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