Your First Choice in Financial Services
A dependable resource for generations
America First Credit Union played an integral role in shaping the financial landscape of the West, and we are proud to provide the highest-quality products and services to meet your business’ needs…and the complete needs of your employees…in your community.
Our humble origins–in 1939, 59 people at Fort Douglas in Salt Lake City, Utah pooled their funds to improve the economic health of one another– and steadfast adherence to the principles of thrift, affordability, and people helping people have made usone of the nation’s strongest, largest, and most progressive credit unions.
We’ve established a 75-year tradition of financial excellence at America First, and we are proud to welcome your business, and those who work to make you succeed, to our financial family. From Southern Nevada to Northern Utah–whatever the size of your business or organization–we are your first choice:
• Seventh largest credit union in the country • Extensive branch network with 105 offices • Backed by nearly $6 billion in assets
• Consistently rated one of the most sound institutions in the area • Quality service that is unmatched in the industry
By taking advantage of all America First members share, you will always find a supportive, dependable partner in achieving financial success.
Your Business & Your Future
Products that make smart money sense
Whether your business is a small mom & pop shop or one of the region’s largest firms, you need the resources and expertise of a leading financial institution. Consider us your first choice.
From Commercial Real Estate and SBA loans, to the finest in checking accounts, Business Visa® Credit & Debit cards, and more, we’re
committed to providing you with the resources you deserve to attain your goals.
And you’ll have the strength of an organization you can trust. America First is dedicated to helping companies and their people find financial success–exactly what you need in a business relationship.
Is there a better word in business than free?
With business membership in America First Credit Union, you’ll have access to a host of services and benefits that don’t make a single, solitary mark on your bottom line:
• Free checking with 250 transactions or less • Free Online & Mobile Banking
• Free Business Bill Pay, up to 15 a month • Free access to over 43,000 ATMs worldwide • Free notary services
• Free cashier’s checks
• Free telephone banking, 24/7 • Free online tools & planning guides • And more
Because one-size-fits-all business checking and merchant
accounts are not options
When you’re doing business with America First, you’re choosing accounts that fit… according to your unique needs, operating schedule, and cash-flow management. We offer:
And, because you have a not-for-profit financial institution as your primary resource, there are never any fees for America First transfers or electronic transactions between our accounts.
In addition, business checking accounts at your credit union come with our premier–
• Free Business Checking
For smaller enterprises and qualifying non-profit organizations & associations.
• 250 free transactions per month (deposits, items deposited & written checks) • $.15 each transaction over 250
• Analyzed Business Checking
For higher volumes.
• More than reasonable rates for over 250 transactions–plus, you’ll receive earnings credits toward accrued fees
• $8 per month • $.15 per deposit
• Money Market Checking
For those seeking higher dividends and the best in accessibility & flexibility.
• Earns investment-level returns • $50 per month
• $.15 per deposit
• $.05 per item deposited • $.15 per check written
• Merchant Accounts
Welcome your customers with credit card processing services from America First.
• Establish your ability to accept card payments, manage your retail offerings, utilize the mail and phones to do business, take control of your e-commerce sales, and more
What about financing, the security of the SBA, and other
kinds of credit?
Without question, your business needs a diverse range of low-rate & flexible loans to maximize your earnings. Consider our U.S. Small Business Association (SBA) offerings:
We also understand your business operates differently than anyone else’s. Which is why our lines of credit provide you with access to cash when you need it most.
• 7(A) Loans & Express Lines of Credit
• Business Express Lines of Credit
• Secured Business Express Lines of Credit • Patriot Express Lines of Credit
• 504 Loans
• Real estate
• Large machinery & equipment
• SBA Secured Line of Credit
Backed by your collateral and providing liquidity, as well as access to a larger cash resource.
• Seven-year loans
• For more substantial capital requirements, usually from $50,000 to $100,000 • Interest-only payment options
• SBA Unsecured Line of Credit
This product offers a higher limit than your overdraft protection, has friendly terms and great flexibility.
• Limits from $15,000 to $50,000
• Interest-only payments for the first three years
• Working capital for inventory, supplies, advertising & more
• Business Checking Overdraft
Unexpected expenses are bound to happen and we can help protect you with this line that makes avoiding costly overdraft fees a snap.
• Limits up to $15,000 • Competitive rates
Further, we offer excellent terms and features on unsecured capital loans when collateral is not immediately available.
And if you’re looking to purchase a franchise or fulfill the dream of opening your own independent business, America First has the financing solution that’s right for you.
• Revolving Line of Credit
Help your business keep pace with this product, perfect for short-term cash flow.
• Limits from $15,000 to $50,000
• Interest-only payments the first three years • Easy to tap into when you need the funds
• Business Acquisition/Franchise Loans
Create your legacy.
• Competitive terms, rates & fees • Applicable to SBA-eligible franchises • Experts to assist every step of the way
• Term Loans
No revolving balances, open-ended terms, or fluctuating payments.
• 60-month repayment schedules • Loans up to $15,000
• Low rates
Many businesses are built on real estate, vehicles &
equipment–our loans can help
America First has the experience, expertise, and energy to help you find financing for a wide array of business purposes. And we’ll deliver them with the best in member service, attention to detail, and so much more.
• Commercial Real Estate Loans
For the land you’ll need to build success. • Competitive rates & terms
• Quick turnaround times • Flexible options
• Business Vehicle Loans
Driving your company toward your goals.
• Up to 72-month terms • 20% down payments
• For vehicles weighing up to one ton
• Conventional Commercial Vehicle Loans
Do you need a top-shelf fleet? If so, you can trust America First to have loans that keep your enterprise moving.
• Affordably finance trucks weighing over one ton, commercial trailers & vans • Loan terms up to 72 months
• Good rates with a 20% down payment
• Equipment & Machinery Loans
Get what you need to maximize productivity…and profits.
• Available for all types of businesses • Terms of seven years and longer • No pre-payment or annual fees
The convenience and purchasing power of
using Visa® for your business
The business world moves fast–we’re here to help you keep pace
Paying for your everyday business expenses is simple and secure when you choose Visa from America First. We’re sure to have one that fits.
From free Business Bill Pay, to seamless automated clearing house (ACH)
origination, to the convenience of direct deposit and Mobile Merchant, America First gives you the tools you need to make efficiency a hallmark of your company.
• Business Platinum Visa with rewards & cash-back options and no annual fees • Business Classic Visa with rewards or cash back
• Business Visa debit
• Business Bill Pay
• 15 free payments every month–only $1 thereafter • Enroll online
• Simple registration • Easy to use
• ACH Origination
• Direct deposit for your employees • Collect monthly dues from customers • $100 set-up fee
• $10 per file (one payday)
• $.10 per transaction (per employee/customer)
• Business Wires
• Domestic–$15 outgoing; $10 incoming • International–$30 outgoing & incoming
• Evaluating comprehensive insurance needs • Managing wealth
• Creating income from assets
• Funding education for your team or dependents • Mutual funds, stocks, bonds, unit investment trusts • Annuities & trust services
• Managed accounts • And more
Protecting your company & what you’ve
worked so hard
Being in business means you’ve always valued good advice about insurance & investments to preserve the foundation of your organization. By choosing America First, you’ll have the MEMBERS Financial Services Program right on-hand and on-site to provide expert guidance in these essential areas.
Mobile Merchant
We are proud to be a partner with iTransact, the leading provider of mobile
payment services in the market and the best way to ensure you never miss a sale! The America First Mobile Merchant app and your Apple or Android device can
*This credit union is federally insured by the National Credit Union Administration. All loan products and services are on approved
It’s free for America First business account holders, it’s simple to install & use, and it definitely makes your company more accessible. There are three options:
And, of course, your organization will benefit from our leading–and free–Online Banking and Mobile Banking services.
Your team can save for retirement, medical costs, and other short–and long–term needs with our premier products.
• The Dot for $2,500 or less in transactions every month
• The Dot Plus for $5,000 or less in transaction totals per month • The Dot Traditional for more than $5,000 in transactions monthly
• Business Remote Deposit
• Scan your deposits from your office or your home • $25 per month
• Files posted twice daily
• Individual Retirement Accounts (IRAs)
Investing in an IRA is easy and always a good idea.
We have the following options:
• Basic IRA accumulators (IRA savings accounts) • Traditional, Roth, and Coverdell accounts
• IRA certificate accounts
• Health Savings Accounts (HSAs)
The ability to put away resources for future medical expenses.
• Direct Deposit
Who wants to waste time and money traveling to take care of their paychecks?
• Money Market Savings, Dedicated Savings, Certificate Accounts, Wedding Savings & Coverdell Education Savings
The building blocks of a bright financial future are right here for those who are
working to make your business excel.
