America First Credit Union Bonuses and Promotions
Current America First Credit Union bonuses and 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 | Up to $350 new-member bonus; $50 primary account owner bonus |
| Savings Account Bonuses | Share Savings is required for the up to $350 new-member bonus; up to $50 military Dedicated Savings deposit match |
| Business Account Bonuses | $300 merchant services bonus for qualifying businesses |
| Credit Card Bonuses | 0% APR for six months on a new Visa Platinum; $100 military Visa bonus |
| Promotional Rates | 3.74% variable introductory APR for six months on a qualifying new HELOC; 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, attraction, travel, and partner discounts |
Checking Account Bonuses
Up to $350 New-Member Bonus
Qualifying new America First members can earn up to a $350 cash bonus by opening savings and checking accounts and meeting the direct deposit requirement.
| Detail | Offer |
|---|---|
| Bonus | Up to $350 |
| Product type | Personal savings and checking |
| Account | Share Savings plus an eligible America First checking account |
| Minimum to open | $1 minimum deposit for Share Savings |
| How to earn it | Earn $150 by opening Share Savings and adding checking. Earn an additional $200 by receiving at least $1,000 in qualifying direct deposits within 60 days. |
| Direct deposit requirement | At least $1,000 in qualifying direct deposits within 60 days to earn the additional $200 |
| Required holding period | Keep the qualifying accounts open and do not transfer them for at least 12 months |
| Monthly service fee | Depends on the checking account selected. Classic Checking has a $0 monthly service fee. Premium Checking is $6 per month, with the first two months currently free; waiver requirements may apply after that. |
| Potential 12-month account cost | $0 with Classic Checking based on the current monthly service fee. With Premium Checking, up to about $60 over the first 12 months if the first two months remain free and the $6 fee applies during each of the remaining 10 months. |
| Potential bonus after monthly fees | Up to $350 before taxes and other fees with Classic Checking. About $290 before taxes and other fees if $60 in Premium Checking monthly service fees are incurred during the required 12-month period. |
| Bonus timing | Cash is deposited within 60 days after the applicable requirements are met |
| Fine print | This is a combined savings and checking promotion rather than a checking-only bonus. Bank-to-bank transfers, peer-to-peer transfers, wire transfers, and internal transfers do not count toward the qualifying direct deposit requirement. Closing or transferring the qualifying accounts within 12 months can cause the bonus to be forfeited. Monthly checking costs depend on the account selected and whether applicable fee-waiver requirements are met. |
| Expiration date | No published expiration date |
| Availability | Available to eligible Utah applicants through America First |
| Who qualifies | New primary members who meet America First membership eligibility requirements. Utah applicants may qualify through America First’s geographic, family or household, employer, or other eligible membership paths. Primary owners who opened an America First account within the previous 12 months, employees, volunteers, business accountholders, secondary accountholders, and special accountholders are excluded from this promotion. |
Important: The headline bonus is up to $350, but the full amount requires both opening savings and checking and completing the $1,000 qualifying direct deposit requirement within 60 days. A member choosing America FirstClassic Checking can currently complete the required 12-month holding period with a $0 monthly service fee, while choosing Premium Checking could reduce the effective cash value if its monthly fee is not waived.
More official info: America First $350 New-Member Offer
Savings Account Bonuses
Share Savings — Up to $350 New-Member Bonus
America First’s Share Savings account is required as part of the up to $350 new-member promotion. Members must open Share Savings and add checking to earn the initial $150, with an additional $200 available after meeting the qualifying direct deposit requirement. Because this is a combined savings and checking promotion, the full bonus requirements, holding period, potential account costs, eligibility, and fine print are explained under Checking Account Bonuses above.
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
Current America First Credit Union bonuses and promotions include an introductory APR offer on the Visa Platinum card and a separate cash bonus for eligible military members. America First does not currently advertise a separate public welcome bonus on its business Visa cards.
Consumer Credit Cards
Visa Platinum Credit Card — 0% APR for Six Months
New America First Visa Platinum cardholders can currently receive a 0% introductory APR for the first six months.
| Detail | Offer |
|---|---|
| Offer | 0% introductory APR for six months |
| Product type | Personal credit card |
| How to earn it | Open a new America First Visa Platinum credit card |
| Annual fee | $0 |
| Potential cost | $0 annual fee and $0 balance-transfer fee; interest and other applicable card charges can still apply after the introductory period |
| Fine print | The promotional APR ends six calendar months after the card is issued. After that, the applicable variable APR applies. Credit approval, membership, eligibility, terms, and other requirements apply. Special and volunteer accounts are ineligible, and the offer is limited to one promotional card per member. |
| Expiration date | No published expiration date |
| Availability | Online and through America First in Utah |
| Who qualifies | Approved applicants who meet America First membership and credit requirements; special and volunteer accounts are excluded |
The main value is the temporary interest savings rather than a cash welcome bonus. Cardholders should pay attention to the variable APR that applies after the six-month promotional period.
More official info: America First Visa Platinum Credit Card
$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 |
Promotional Rates
Current America First Credit Union promotions include an introductory HELOC rate, a deferred-payment auto-loan offer, 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.
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. Certain HELOC products may also require reimbursement of up to $250 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%. |
| 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
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. Borrowers should review the loan agreement to understand how interest accrues 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 |
| 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. Borrowers should consider the loan’s APR, total interest cost, and how the deferred-payment period affects repayment before choosing the offer.
More official info: America First Auto Loans
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, 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, early entry, presales, and other event benefits depending on the partner |
| Offer type | Sports and entertainment discounts |
| Current Utah examples | Salt Lake Bees, Utah Jazz, Real Salt Lake, Utah Royals, Utah Athletics, and Utah Mammoth offers |
| Potential savings | Varies by offer. Examples include half-price Salt Lake Bees lawn tickets on eligible Wednesday home games, 10% off select Bees concessions, 10% off select Utah Jazz concessions, 15% off Utah Jazz Team Store purchases, and up to 30% off eligible Real Salt Lake tickets. |
| 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 meaningful 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 attractions, recreation, travel, and other partner offers.
| Detail | Offer |
|---|---|
| Discount | Various member discounts and special pricing |
| Offer type | Attractions, recreation, travel, and partner discounts |
| Current Utah examples | Splash Summit Waterpark and discounted pickleball at The Kitchen, along with other changing member offers |
| Potential savings | Varies by partner and offer |
| Fine print | Individual discounts have their own eligibility requirements, purchase methods, exclusions, availability, and expiration dates. Some offers require an America First Visa card. |
| 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, 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 cover common questions about America First Credit Union promotions, including eligibility, new-member bonuses, military offers, promotional rates, and offers that may not be publicly advertised.
Does America First Credit Union currently offer a new-member bonus?
Yes. America First currently offers eligible new primary members up to $350. Members can earn $150 by opening a Share Savings account and adding checking, plus another $200 after receiving at least $1,000 in qualifying direct deposits within 60 days.
Does America First Credit Union have a checking account bonus?
Yes. The up to $350 new-member promotion includes checking, although it is technically a combined savings and checking offer. The qualifying accounts must remain open and not be transferred for at least 12 months or the bonus can be forfeited.
Does America First Credit Union offer military bonuses?
Yes. America First currently offers several incentives specifically for eligible military members, including a $100 Visa bonus, an up to $50 Dedicated Savings deposit match, and a mortgage appraisal credit of up to $500. Eligibility and product requirements vary by offer.
Does America First Credit Union offer credit card promotions?
Yes. America First currently offers 0% introductory APR for the first six months on a new Visa Platinum credit card. Eligible military members can also earn a $100 bonus after opening a qualifying new Visa and spending at least $500 within 60 days.
Does America First Credit Union have promotional loan or HELOC rates?
Yes. America First currently offers a 3.74% variable introductory APR for the first six months on a qualifying new home equity line of credit. The applicable variable APR applies after the introductory period, so borrowers should consider both rates when evaluating the promotion.
Can existing America First members qualify for promotions?
It depends on the offer. Some promotions are restricted to new primary members or new accounts, while others are available to qualifying existing members. Each offer should be checked individually because eligibility requirements differ.
Can America First have promotions that are not advertised publicly?
Yes. Financial institutions may make certain promotions available only at a branch, through targeted mail or email, inside online or mobile banking, or to preselected or existing customers. These offers may not appear on America First’s public website, so additional promotions could be available directly to individual members. UtahFi focuses on offers 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 paths in Utah. Depending on location and circumstances, applicants may qualify by living, working, regularly conducting business, worshipping, volunteering, or attending school in an eligible area. Family or household relationships, qualifying employers or associations, and certain other membership paths may also provide eligibility.
How often do America First Credit Union promotions change?
Promotions can change at any time. Bonus amounts, promotional rates, eligibility requirements, expiration dates, and member discounts may be added, modified, or discontinued, which is why UtahFi reviews this page regularly.
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.
