Personal Loan — America First Credit Union is a personal loan from America First Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is As low as 13.49% APR (effective October 1, 2026); varies based on creditworthiness. Typical credit limit: Minimum $1,000; maximums vary depending on your credit score. Loan terms: Fixed rate, same payment every month; terms up to 60 months.