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America First is the Mountain West anchor of our network: vehicle loans published as low as 4.99% APR, refinancing up to 125% of Kelley Blue Book value, and 84-month terms on qualifying vehicles. For drivers in Utah, Nevada, Arizona, Idaho, and New Mexico, it is the first quote to beat.
The box has two real edges: membership requires a footprint or association connection, and vehicles need to be roughly seven model years old or newer. If your car is older or you live outside the region, the network routes you elsewhere automatically.
4.7
2,500+ customer reviews
Our rating
Rates and fees
4.5
Vehicle loans published as low as 4.99% APR (variable, with qualifications).
Approval flexibility
4.0
125% of KBB financing and 84-month terms on qualifying vehicles; models about 7 years old or newer.
Speed and ease
4.5
Typical funding in 2 to 5 days.
Membership and access
3.5
Mountain West footprint or family/association connection required.
At a glance
- Est. APR from
- 4.99%
- Est. APR by credit band
- Excellent 4.99% · Good 7.49% · Fair 12.74%
- Min credit score
- About 560
- Loan amounts
- $5,000 to $100,000
- Vehicle types
- Cars, Trucks & SUVs, Motorcycles
- Vehicle limits
- Up to 7 yrs / 125,000 mi
- Terms
- 36 to 84 months
- Typical funding
- 2-5 days
- Availability
- UT, NV, AZ, ID, NM only
- Special programs
- Cash-out · Lease buyout
- How to join
- Live, work, worship, or attend school in qualifying Mountain West areas, or join through family or association
Representative estimates, not offers. Final terms come from the lender at underwriting.
Where America First Credit Union prices against the network
Auto refinance rates step down in credit tiers, so the fastest way to judge a lender is to find your band and compare its estimate against the network as a whole. An illustrative payment makes the percentages concrete.
| Credit band | America First Credit Union est. APR | Est. payment* | Network average |
|---|---|---|---|
Excellent 720+ | 4.99%Below avg | $472/mo | 5.42% |
Good 660-719 | 7.49%Below avg | $501/mo | 7.95% |
Fair 580-659 | 12.74%Below avg | $566/mo | 13.10% |
Rebuilding Below 580 | Not offered | · | 19.49% |
*Illustrative payment on a $25,000 balance over 60 months at the estimated APR shown. All figures are representative estimates, not offers; the network average is the mean of estimated APRs across the 9 lenders in the RefiMeNow network for each band. Your rate depends on underwriting.
See if America First prices your loan
See my rateWhat it does well
- Published rates as low as 4.99% APR
- Refinance up to 125% of Kelley Blue Book value
- 84-month terms on qualifying vehicles
- Lease buyouts and cash-out supported
Where it gives ground
- Membership limited to the Mountain West footprint and connections
- Vehicles roughly 7 model years old or newer
- No pricing for rebuilding credit
America First Credit Union is a fit if
- Drivers in UT, NV, AZ, ID, or NM with a newer vehicle
- Borrowers with light negative equity (the 125% KBB cushion)
- Payment engineers who want an 84-month option
Look elsewhere if
- Vehicles older than about 7 model years
- Drivers outside the Mountain West without a membership connection
The regional powerhouse pattern
America First is one of the largest credit unions in the country, and its auto book is the reason: publishing 4.99% vehicle loan rates and 125% of KBB financing is aggressive lending you mostly see from institutions that dominate a region and know its used-car market cold.
The newer-vehicle rule (roughly seven model years) is the flip side of that aggression. AFCU prices sharp because it keeps collateral risk tight. If your car fits, the pricing is hard to beat regionally.
Membership, practically speaking
Eligibility runs through living, working, worshiping, or attending school in qualifying Mountain West areas, or through family and association connections. Inside the footprint it is effectively open; outside it, the match engine simply will not show AFCU, which is exactly how a network should behave.
From rate check to funded loan
- 1
Check your rate with a soft pull
Answer a few questions about your loan, your vehicle, and your credit. We screen your profile against America First Credit Union and every other network lender at once using a soft credit check, so your score is never touched.
- 2
Compare your real matches
You only see lenders whose criteria you actually meet. If America First Credit Union prices your profile, its estimated offer appears next to the rest of the network so you can judge it in context, not in isolation.
- 3
Choose an offer and verify
Pick the offer you want and complete that one lender's full application. This is the only step with a hard credit inquiry, and it happens once, for the lender you chose.
- 4
The new loan pays off the old one
America First Credit Union typically funds in 2-5 days. The new lender pays your old loan and takes over the title; your part is mostly signatures.
Frequently asked questions
Who can join America First Credit Union?
Membership runs through the Mountain West: live, work, worship, or attend school in qualifying areas of Utah, Nevada, Arizona, Idaho, or New Mexico, or join through family or association connections.
What rates does America First publish?
Vehicle loans as low as 4.99% APR (variable, with qualifications), with refinancing up to 125% of Kelley Blue Book value and 84-month terms on qualifying vehicles.
Will America First refinance an older car?
AFCU generally wants models about seven years old or newer for refinances. Older vehicles match better with other network lenders, which the soft-pull match screens automatically.
America First Credit Union head to head
