America First Credit Union Promotions: Overview
Current America First Credit Union promotions include new-member cash bonuses, credit card and HELOC introductory rates, military offers, business incentives, and member discounts.
This page tracks current bonuses and promotions from America First Credit Union. For broader information about accounts, services, membership, and its presence in Utah, see our America First Credit Union profile.
Promotions can change or end without notice. Always verify current eligibility, terms, rates, and availability with America First before opening an account or applying for a product.
Some promotions may not be publicly advertised. Financial institutions may offer branch-only, relationship-based, preselected, or targeted promotions to certain customers. UtahFi includes offers that can be verified through public or otherwise reliable official sources, so additional promotions may be available to you directly through the institution.
Quick Summary
Here is a quick look at America First Credit Union bonuses and promotions currently available.
| Category | Current Offers |
|---|---|
| Checking Account Bonuses | No publicly advertised checking account bonus currently verified for general availability in Utah |
| Savings Account Bonuses | Up to $50 military Dedicated Savings deposit match |
| Business Account Bonuses | $300 merchant services bonus for qualifying businesses |
| Credit Card Bonuses | $100 military Visa bonus for eligible members |
| Promotional Rates | No auto-loan payments for 90 days on qualifying new auto loans; certificate APYs up to 4.50%; Visa Platinum 0% introductory APR for six months; 3.74% introductory HELOC APR for six months; military mortgage appraisal credit up to $500 |
| Referral Programs | No public consumer or business customer referral bonus currently identified for Utah |
| Member Deals and Discounts | Utah sports, entertainment, recreation, travel, auto-related benefits, and other partner discounts |
Update frequency: UtahFi reviews and updates this page monthly to keep America First Credit Union bonuses, promotions, rates, and member offers current. America First may change, add, or discontinue offers between UtahFi updates, so availability and terms can change before the next monthly review.
Checking Account Bonuses
America First Credit Union does not currently advertise a verified public checking account cash bonus available to Utah residents.
Some checking promotions may be limited to specific locations, existing members, or targeted applicants. America First may also introduce new offers throughout the year.
Savings Account Bonuses
Up to $50 Military Dedicated Savings Bonus
Eligible military members can receive a deposit match of up to $50 when opening a new America First Dedicated Savings account.
| Detail | Offer |
|---|---|
| Bonus | Deposit match up to $50 |
| Product type | Personal savings |
| Account | Dedicated Savings |
| Minimum deposit | $50 initial deposit to receive the full $50 match; smaller qualifying initial deposits receive a matching amount up to the $50 maximum |
| How to earn it | Open a new Dedicated Savings account and make an initial deposit. America First matches the initial deposit up to $50. |
| Required holding period | Minimum 12-month Dedicated Savings term |
| Monthly service fee | $0 monthly service fee identified for Dedicated Savings |
| Potential 12-month account cost | $0 in monthly service fees based on the current Dedicated Savings terms; withdrawal restrictions or other applicable charges may still apply |
| Potential bonus after monthly fees | Up to $50 before taxes and any other applicable charges |
| Bonus timing | Within 30 days after the promotional requirements are met |
| Fine print | Available for new personal accounts only. The Dedicated Savings account must have a minimum 12-month term. The promotion cannot be combined with another America First promotion. Membership and account requirements apply. |
| Expiration date | No published expiration date |
| Availability | Available to eligible military members in Utah; America First directs applicants to call or visit a branch |
| Who qualifies | Eligible active-duty and retired U.S. military members and veterans with valid military identification who meet America First membership and account requirements |
The full $50 match requires an initial deposit of at least $50. Because Dedicated Savings has a minimum 12-month term, members should consider the account’s withdrawal restrictions in addition to the value of the deposit match.
More official info: America First Military Offers
Business Account Bonuses
Current America First Credit Union promotions for businesses include a merchant services cash bonus for qualifying companies that meet the required processing volume. America First does not currently advertise a separate Utah business checking signup bonus.
$300 Merchant Services Bonus
Qualifying businesses can earn a $300 cash bonus through America First Merchant Services.
| Detail | Offer |
|---|---|
| Bonus | $300 |
| Product type | Merchant services |
| How to earn it | Activate a qualifying merchant services account and complete at least $25,000 in transactions within 45 days |
| Potential cost | Merchant-services pricing varies. Review processing, equipment, service, and other applicable costs before valuing the $300 incentive. |
| Fine print | Available to qualifying merchant services customers who meet the required transaction volume. The promotional payment should be evaluated alongside the ongoing cost and terms of the merchant-services relationship. |
| Expiration date | No published expiration date |
| Availability | Through America First Merchant Services in Utah |
| Who qualifies | Eligible businesses activating a qualifying America First merchant services account and completing at least $25,000 in transactions within 45 days |
The headline bonus is $300, but the real value depends on the processing, equipment, and service costs associated with the merchant-services relationship.
More official info: America First $300 Merchant Services Offer
Credit Card Bonuses
America First Credit Union offers several credit card promotions, including cash welcome bonuses for qualifying members and introductory interest rates. Some offers are available only to eligible military members or selected applicants.
The following promotions are organized by consumer and business credit cards, with eligibility requirements, costs, and offer terms explained separately.
Consumer Credit Cards
$100 Military Visa Bonus
Eligible military members can earn a $100 cash bonus by opening a new qualifying America First Visa credit card and meeting the spending requirement.
| Detail | Offer |
|---|---|
| Bonus | $100 cash bonus |
| Product type | Personal credit card |
| How to earn it | Open a new qualifying America First Visa credit card and spend at least $500 within 60 days |
| Required spending | $500 within 60 days |
| Annual fee | $0 on America First consumer Visa credit cards |
| Potential cost | $0 annual fee; interest and other applicable card charges may still apply |
| Fine print | Available for new personal credit card accounts for eligible military members. Members forfeit the $100 bonus if the credit card is closed within six months of qualifying. Membership, eligibility, creditworthiness, terms, conditions, and changes apply. The offer cannot be combined with another America First promotion. |
| Expiration date | No published expiration date; limited-time military offer |
| Availability | Available to eligible military members in Utah; America First directs applicants to call or visit a branch |
| Who qualifies | Eligible active-duty and retired U.S. military members and veterans with valid military identification who meet America First membership and credit requirements |
With a $0 annual fee, qualifying military members can potentially receive the full $100 bonus before taxes and any interest or other applicable card charges. The card must remain open for at least six months after qualifying to avoid forfeiting the bonus.
More official info: America First Military Offers
Business Credit Cards
America First Credit Union offers business Visa credit cards with cash-back and rewards options. However, no current public business credit card welcome bonus has been confirmed for Utah.
More official info: America First Business Visa Credit Cards
Promotional Rates
Current America First Credit Union promotions include limited-time certificate rates, introductory credit card and HELOC rates, deferred auto-loan payments, and a mortgage appraisal credit for eligible military members. Regular certificate, mortgage, auto-loan, and other everyday rates are not included unless America First specifically identifies them as promotional or limited-time offers.
No Payments for 90 Days on a New Auto Loan
Qualifying borrowers can currently finance an eligible vehicle through America First and defer their first auto-loan payment for three months.
| Detail | Offer |
|---|---|
| Promotion | No payments for the first 90 days |
| Product type | Auto loan |
| How to qualify | Finance at least $10,000 through America First on an eligible 2019-or-newer vehicle |
| Potential cost | The promotion delays required payments rather than reducing the amount borrowed. Interest accrues from the contract signing date, including during the deferred-payment period. |
| Fine print | Subject to America First membership, eligibility, creditworthiness, terms, conditions, and additional loan criteria. Available only on qualifying America First financing of $10,000 or more for 2019-or-newer vehicles. |
| Expiration date | No published expiration date; limited-time offer |
| Availability | Available to qualifying borrowers in Utah through America First |
| Who qualifies | Approved borrowers financing at least $10,000 on an eligible 2019-or-newer vehicle who meet America First membership and loan requirements |
The 90-day offer provides short-term payment flexibility rather than a cash bonus or interest-rate discount. Because interest continues accruing during the deferral, borrowers should consider the loan’s APR, total interest cost, and repayment schedule before choosing the offer.
More official info: America First Auto Loans
Up to 4.50% APY on Certificate Accounts
For a limited time, America First members can earn up to 4.50% APY on certificate accounts. The highest currently published rate is available on the 60-month regular certificate.
| Detail | Offer |
|---|---|
| Promotional rate | Up to 4.50% APY |
| Product type | Certificate account |
| Promotional period | Limited-time offer; the 4.50% APY currently applies to the 60-month regular certificate |
| Rate after promotion | Certificate rates are subject to change; the applicable rate at renewal will depend on America First’s rates and terms at that time |
| Potential cost | Early-withdrawal penalties may apply, and maintenance or activity fees could reduce earnings |
| Fine print | The 60-month regular certificate currently requires a $500 minimum opening balance and $500 minimum earning balance. APYs are subject to membership, eligibility, conditions, and change. Dividends are credited monthly. Rates are accurate as of October 1, 2026. |
| Expiration date | No published expiration date; limited-time offer |
| Availability | Available to qualifying America First members in Utah |
| Who qualifies | America First members who meet certificate account eligibility and deposit requirements |
The highest advertised APY currently requires committing funds to a 60-month certificate. Members should compare the higher yield with the longer term and potential early-withdrawal penalty before opening an account.
More official info: America First Certificate Accounts
Visa Platinum Credit Card — 0% APR for Six Months
New America First Visa Platinum cardholders can receive a 0% introductory APR for the first six months on a qualifying new credit card.
| Detail | Offer |
|---|---|
| Promotional rate | 0% introductory APR |
| Product type | Personal credit card |
| Promotional period | First six calendar months from the date the card is issued |
| Rate after promotion | The applicable variable APR applies after the introductory period, based on creditworthiness and card terms. America First lists a maximum APR of 18%. |
| Annual fee | $0 |
| Potential cost | $0 annual fee and $0 balance-transfer fee; interest and other applicable charges may apply after the introductory period or under the card agreement |
| Fine print | The promotional APR ends six calendar months after card issuance. Credit approval, membership, eligibility, terms, and conditions apply. Special and volunteer accounts are ineligible. The offer is limited to one promotional card per member. |
| Expiration date | No published expiration date; limited-time offer |
| Availability | Available to qualifying applicants in Utah through America First |
| Who qualifies | Approved applicants who meet America First membership and credit requirements; special and volunteer accounts are excluded |
The 0% introductory APR provides temporary interest savings rather than a cash bonus. Cardholders should review the variable APR that applies after six months and understand how any remaining balance will be treated.
More official info: America First Visa Platinum Credit Card
3.74% Introductory HELOC APR
Qualifying borrowers can receive a 3.74% variable introductory APR for the first six months on a new America First home equity line of credit.
| Detail | Offer |
|---|---|
| Promotional rate | 3.74% variable APR |
| Product type | Home equity line of credit |
| Promotional period | First 6 months |
| Rate after promotion | The applicable variable HELOC APR applies after the introductory period and depends on the product, loan-to-value ratio, creditworthiness, and other underwriting factors |
| Potential cost | Homeowner’s insurance, property-related costs, and other applicable fees may apply. A reimbursement fee may also apply if the loan is reconveyed within 24 months. |
| Fine print | The 3.74% APR is introductory and variable, not a permanent loan rate. Credit approval, underwriting, property requirements, and other eligibility conditions apply. Variable home equity APRs may not exceed 18%. Published rates are accurate as of October 1, 2026 and are subject to change. |
| Expiration date | No published expiration date; limited-time offer |
| Availability | Available for qualifying properties in Utah through America First |
| Who qualifies | Approved borrowers opening a qualifying new America First HELOC who meet credit, underwriting, property, and membership requirements |
The 3.74% APR applies only during the first six months. Borrowers should compare the introductory savings with the variable APR and other loan costs that can apply after the promotional period ends.
More official info: America First HELOC Intro Rate Special
Up to $500 Military Mortgage Appraisal Credit
Eligible military members can receive an appraisal credit of up to $500 when applying for a qualifying new America First mortgage.
| Detail | Offer |
|---|---|
| Offer | Mortgage appraisal credit up to $500 |
| Product type | Mortgage |
| How to earn it | Apply for and qualify for a new eligible America First mortgage under the military offer |
| Potential cost | Mortgage closing costs, interest, discount points, insurance, and other applicable borrowing costs may still apply. The appraisal credit offsets only the qualifying appraisal cost, up to $500. |
| Fine print | Available on qualifying new personal mortgage loans for eligible military members. Creditworthiness, mortgage underwriting, property, membership, and other requirements apply. The offer cannot be combined with another promotion. |
| Expiration date | No published expiration date; limited-time military offer |
| Availability | Available to eligible military members in Utah through America First |
| Who qualifies | Eligible active-duty military members, veterans, reservists, and National Guard members who meet America First mortgage and membership requirements |
The appraisal credit can reduce one upfront mortgage expense by as much as $500, but it does not reduce the mortgage interest rate or eliminate other closing and borrowing costs.
More official info: America First Military Offers
Referral Programs
America First Credit Union does not currently advertise a public referral bonus for Utah members or business customers. Older America First referral promotions can still appear in archived pages, but they should not be treated as current offers.
No public consumer or business customer referral bonus is currently available.
Member Deals and Discounts
Current America First Credit Union promotions extend beyond banking bonuses and promotional rates. Utah members can access discounts and special offers for sports, entertainment, attractions, travel, auto-related benefits, and other partners, with individual deals and availability changing throughout the year.
Utah Sports and Entertainment Deals
America First members and qualifying Visa cardholders can access several Utah-specific sports and entertainment benefits.
| Detail | Offer |
|---|---|
| Discount | Discounted tickets, concessions, merchandise, presales, and other event benefits depending on the partner |
| Offer type | Sports and entertainment discounts |
| Current Utah examples | Utah Jazz, Utah Mammoth, Real Salt Lake, Utah Royals, and event presales |
| Potential savings | Varies by offer. Benefits may include discounted game tickets, merchandise, concessions, and access to selected event presales. |
| Fine print | Some benefits require an America First Visa credit or debit card, a team-branded card, or use of a special purchase link or code. Participating events, products, dates, seating, and availability vary. Offers may be changed or discontinued. |
| Expiration date | Varies by individual deal and event |
| Availability | Utah; individual offers may be limited to specific venues, games, events, or purchase channels |
| Who qualifies | America First members or qualifying America First Visa cardholders, depending on the individual offer |
These benefits can provide savings for members who already attend participating Utah sports and entertainment events, but the exact discounts and availability can change during the season.
Other Member Deals and Discounts
America First also maintains a broader collection of member discounts covering recreation, travel, auto-related benefits, and other partner offers.
| Detail | Offer |
|---|---|
| Discount | Various member discounts, special pricing, and partner benefits |
| Offer type | Recreation, travel, auto-related benefits, and partner discounts |
| Current Utah examples | Discounted pickleball at The Kitchen, a Young Automotive Group maintenance-package offer, and Get Away Today vacation discounts |
| Potential savings | Varies by partner and offer; some promotions provide discounted pricing while others provide additional products or services at no additional cost |
| Fine print | Individual discounts have their own eligibility requirements, purchase methods, exclusions, availability, and expiration dates. Some offers require an America First Visa card, America First financing, or another qualifying product. |
| Expiration date | Varies by individual offer |
| Availability | Varies by partner; only Utah-applicable offers are highlighted here |
| Who qualifies | America First members or qualifying America First Visa cardholders or borrowers, depending on the individual deal |
Because America First updates its member deals throughout the year, UtahFi does not list every individual coupon or temporary offer. Members should check America First’s current deals page for the latest availability and terms.
More official info: America First Member Deals and Discounts
Frequently Asked Questions
These FAQs explain common questions about America First Credit Union promotions, including account bonuses, credit card incentives, military offers, promotional rates, and eligibility requirements.
Does America First Credit Union offer new-member bonuses?
America First Credit Union may offer cash bonuses or other incentives to qualifying new members. Availability depends on the promotion, location, account type, and eligibility requirements. Some offers may be restricted to specific geographic areas or membership groups. Check the Checking Account Bonuses and Savings Account Bonuses sections above for currently identified offers available in Utah.
Does America First Credit Union offer checking account bonuses?
America First occasionally offers checking account promotions for qualifying new or existing members. Requirements may include opening an eligible account, establishing direct deposit, maintaining a minimum balance, or keeping the account open for a specified period. Not every advertised promotion is available in Utah.
Does America First Credit Union offer savings account bonuses?
America First may offer savings account incentives, including deposit matches or promotions connected to qualifying membership programs. Eligibility, minimum deposits, account requirements, and holding periods vary by offer. Promotional certificate rates are covered separately under Promotional Rates.
Does America First Credit Union offer military bonuses?
America First maintains financial products and benefits for eligible military members. Depending on current promotions, these may include savings incentives, credit card bonuses, or mortgage-related credits. Military identification, membership eligibility, and additional product requirements may apply.
Does America First Credit Union offer credit card bonuses?
America First may offer cash welcome bonuses or other incentives on qualifying Visa credit cards. Some promotions are restricted to military members, existing members, or selected applicants. Spending requirements, eligibility conditions, annual fees, and bonus payment timing depend on the specific offer.
Does America First Credit Union offer promotional certificate rates?
America First periodically advertises limited-time annual percentage yields (APYs) on certificate accounts. Available rates depend on the certificate term, deposit amount, and applicable account conditions. Certificate rates may change, and early-withdrawal penalties can apply.
Does America First Credit Union offer promotional loan or credit card rates?
America First may offer introductory APRs, promotional financing terms, or deferred-payment options on qualifying credit cards and loans. These promotions can provide temporary interest savings or payment flexibility, depending on the product. Borrowers should review the rate after any introductory period, applicable fees, and total borrowing costs.
Can existing America First Credit Union members qualify for promotions?
Yes. Some America First promotions are available to qualifying existing members, while others require a new account, credit card, or loan. Certain offers may also be restricted to members who have not previously held a particular product. Eligibility should be verified separately for each promotion.
Does America First Credit Union offer referral bonuses?
America First may introduce referral incentives that reward qualifying members or businesses for referring new customers. Referral programs are not necessarily available year-round, and older promotional pages may remain accessible after an offer ends. Check the Referral Programs section above for current availability.
Can America First Credit Union have promotions that are not advertised publicly?
Yes. Some financial institutions provide branch-specific, relationship-based, preselected, or targeted promotions through direct mail, email, online banking, or other channels. These offers may not appear on America First’s public website. UtahFi focuses on promotions that can be verified through public or otherwise reliable official sources.
Who can qualify for America First Credit Union membership in Utah?
America First membership is available through several eligibility paths in Utah. Depending on individual circumstances, applicants may qualify through residence, employment, school attendance, family or household relationships, qualifying associations, or other membership criteria. Membership eligibility does not automatically guarantee eligibility for every promotion.
How often are America First Credit Union promotions updated?
America First may introduce, modify, or discontinue promotions at any time. Bonus amounts, promotional rates, eligibility requirements, expiration dates, and member discounts can change without advance notice. UtahFi reviews and updates this page monthly, but changes may occur between reviews. Always confirm current terms directly with America First before participating in an offer.
Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.
