You will need the following information in order to complete the application:
Government issued ID/drivers license/State ID or passport with current address
Current physical and mailing address
Social Security Number
Date of Birth
Important Information about Procedures for Opening a New Account
To help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, and record information that identifies each person who opens an account.
Select your eligibility
I live, work, worship or attend school in the eleven county eligible area (Bibb, Blount, Chilton, Cullman, Coosa, Jefferson, Shelby, St. Clair, Talladega, Tallapoosa or Walker Counties) or my business qualifies because it operates in one of those counties
I live, work, worship or attend school in Calhoun County
I live, work, worship or attend school in the underserved area located in Mobile County. Select census tract:
.*To find your Census Tract click here. Take your tract code and refer back to the drop down above.
I am an immediate family member of a current America's First FCU member.
Select at least one of the following products required for membership
Regular Share
**To become a member of America's First, you must open a Share Savings Account.** Earn tiered quarterly dividends on balances over $100 (See Rates). A minimum deposit and balance of $5 is required. You must be 18 years old to apply.
Thrive Checking is our most popular checking account with no monthly fee and no minimum balance. This account earns rewards on all purchases made with your debit card.
Min Deposit: $25.00
Level Up Checking
The AmFirst Level Up Checking Account is designed to accommodate high school students ages 14 - 18.
A parent or legal guardian must be included on this account application.
Min Deposit: $25.00
Pocket Chg Shares
Pocket Change is a special savings account that helps you save automatically every time you use your debit card. Earn tiered quarterly dividends on balances over $100 (See Rates). YOU MUST HAVE A CHECKING ACCOUNT IN ORDER TO OPEN A POCKET CHANGE ACCOUNT.
Christmas Club
The easiest way to save for holidays! Account balance will be automatically transferred to your America's First Checking or Share Account in October. Earn quarterly dividends on balances over $100 (See Rates).
Special Savings
Our Fill-in-the-Blank fund is a supplemental share account you can open to save for special occasions or purchases. You can use this account for vacation funds, college expenses, purchases, etc. The possibilities are endless! Deposits can be made at any time. Earn tiered quarterly dividends on balances over $100 (See Rates).
91 Day Certificate Maturity
Share Certificates are designed for members seeking a higher-yield investment with guaranteed rates. This share certificate has a 91-day term in which dividends will be paid at maturity and will automatically renew. Penalties are charged for early withdrawals.
APY: 4.25%Min Deposit: $500.00
6 Month Certificate Quarterly
Share Certificates are designed for members seeking a higher-yield investment with guaranteed rates. This share certificate has a 6 month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 4.05%Min Deposit: $500.00
9 Month Certificate Quarterly
Share Certificates are designed for members seeking a higher-yield investment with guaranteed rates. This share certificate has a 9-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 3.90%Min Deposit: $500.00
12 Month Certificate Quarterly
Share certificates are designed for members seeking a high yield investment with guaranteed rates. This certificate has a 12-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 3.75%Min Deposit: $500.00
18 Month Certificate Quarterly
Share certificates are designed for members seeking a high yield investment with guaranteed rates. This certificate has an 18-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 3.25%Min Deposit: $500.00
24 Month Certificate Quarterly
Share certificates are designed for members seeking a high yield investment with guaranteed rates. This certificate has a 24-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 3.15%Min Deposit: $500.00
30 Month Certificate Quarterly
Share certificates are designed for members seeking a high yield investment with guaranteed rates. This certificate has a 30-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 2.50%Min Deposit: $500.00
36 Month Certificate Quarterly
Share certificates are designed for members seeking a high yield investment with guaranteed rates. This certificate has a 36-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 2.75%Min Deposit: $500.00
48 Month Certificate Quarterly
Share certificates are designed for members seeking a high yield investment with guaranteed rates. This certificate has a 48-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 3.00%Min Deposit: $500.00
60 Month Certificate Quarterly
Share certificates are designed for members seeking a high yield investment with guaranteed rates. This certificate has a 60-month term in which dividends will be paid quarterly and will automatically renew. Quarterly dividends will be compounded back to the share certificate. Penalties are charged for early withdrawals.
APY: 3.25%Min Deposit: $500.00
Amfirst Money Mkt
This Money Market Account offers competitive investment rates, liquidity, and easy access to funds on your higher savings balance. Earn tiered monthly dividends with a $2,500 minimum opening deposit (See Rates). You have 30 days to fund this account to avoid minimum balance charges.
APY (Annual Percentage Yield)
Your Selected Products
If you want America's First to authorize and pay overdrafts on everyday debit card transactions, click yes in the drop down box. I have read and agree to the terms and conditions in the disclosure.Learn more.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
Speed up your application process by simply capturing an image of the BACK of your US driver's license. If you do not wish to use this feature, close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Choose LinkedIn profile to prefill employment information. Click button below
Speed up your application process by simply capturing an image of the BACK of your US driver's license. If you do not wish to use this feature, close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Choose LinkedIn profile to prefill employment information. Click button below
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
Press this button if you want to assign an equal value to all beneficiaries.
In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.
1. The number I have provided is my correct taxpayer identification number (or I am waiting for a number to be issued to me)*
2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding*
Are you or a family member affiliated with a Foreign Government?*
Relationship to Member*
Political Official's Name*
Country*
Current or Former Position*
Do you anticipate the need to send or receive wire transfers? (a signed wire agreement is required for sending wires)*
Do you expect the need to purchase monetary instruments such as cashier checks?*
Do you expect to deposit more than your paycheck?*
Do you currently work for or are you a member of one of the following organizations?*
Read, Sign and Submit
Please review the information above. If any of the information is incorrect, select “Go Back” to return to former sections and change any incorrect information. By clicking the “I agree” button, you hereby apply for membership with America’s First Federal Credit Union. You warrant the truth of the information contained in Your application for membership and/or in subsequent representations to Us. You realize that such information will be relied upon by Us in determining Your membership eligibility. It is your responsibility to provide us with true, accurate, and complete contact information. You hereby authorize Us, Our employees and agents to investigate and verify any information provided to Us by You, by any means that We choose (including but not limited to, the use of a consumer report issued by any credit reporting agency). By signing below, You agree to be bound by the terms and conditions found within Your application for membership and to the bylaws, rules and regulations of America’s First Federal Credit Union in effect from time to time. When you agree to these terms, you agree that we may provide you with any agreements, required disclosures or other communications relating to Your Account(s) in electronic formant unless and until you withdraw your consent by contacting Us. All communications in either electronic or paper format from Us to You will be considered "in writing". You may obtain a paper copy of an electronic communication by requesting that we mail you a paper copy. There is currently no fee for receiving paper versions of documents. You further acknowledge receiving a copy of the Agreements and Disclosures related to Your Account(s) and you agree to be bound by the terms and conditions found therein. If your application for membership is a joint application, any liability created by the use of Your Account is joint and several. You authorize any person, association, firm, corporation or personnel office to furnish information concerning Your affairs upon Our request, including, but not limited to, providing credit and employment history information. In addition to establishing a primary share Account, You may also from time to time request additional Accounts and/or Account Services be established on Your behalf and/or the addition of joint owner(s) of Your Account(s). You clicking “I Agree” below is Your continuing authorization for America’s First Federal Credit Union to follow Your written or verbal instructions to do so and You agree that Your continuing authorization will remain in effect unless We receive written instructions to the contrary. You hereby authorize Us to recognize any of the individuals subscribed herein in the payment of funds or the transaction of any business for Your Account(s). Accessing and Retaining Information We will provide or make required information available to you in PDF format. To access and retain required information, you will need: a personal computer or other device which is capable of accessing the internet, an e-mail account with an internet service provider and e-mail software, PDF reader: Adobe Reader or similar software may be required to view and print PDF files.
Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
We have not received a payment confirmation. Payment is required to complete your account activation. If you close the payment screen, a representative will reach out to you to complete the transaction.
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The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.
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