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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: 10.49% to 18% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 10.49% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 10.49% 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

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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
Return Payment Penalty Fee: $10
Minimum Deposit Required: $200

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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: 6.99% to 18% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 6.99% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 6.99% 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

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America First Credit Union Visa Signature Cash Back Credit Card

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Regular Purchase APR 9.49% to 18% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 9.49% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR 9.49% to 18% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Processing Network Visa

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Terms & Conditions

Date Reviewed: November 17, 2020

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: 9.49% to 18% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 9.49% to 18% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 9.49% 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

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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:

Are Altier Credit Union branches still open?

Despite the merger between America First and Altier Credit Union, all Altier branches remain open.

Where are Altier CU branches?

Altier (now America First) has branches in Tempe, Mesa, Tolleson, Page, and St. Johns, Arizona.

What is the routing number for America First Credit Union?

America First’s ABA routing number is 324377516.

About America First Credit Union

Who Can Join America First CU?

Utah

Nevada

Arizona

Branch Locations

FAQs About America First Credit Union

Are Altier Credit Union branches still open?

Where are Altier CU branches?

What is the routing number for America First Credit Union?

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