Credit union · NCUA insured
AmFirst Credit Card Rates
Top CarrotAmFirst credit cards start at 7.80% APR on purchases, after any introductory rate. Rates checked October 5, 2026.
How AmFirst’s credit card rates compare
Compared with banks and credit unions near Birmingham, AL, where AmFirst has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
AmFirst
7.80%APR
- Up to
- —
VISA Platinum Credit Card
2nd-lowest rate
AOD Federal Credit Union
8.49%APR
- Up to
- 16.99% APR
3rd-lowest rate
Alabama Credit Union
8.90%APR
- Up to
- 12.90% APR
AmFirst credit card score
95
Credit card score
Higher than 97% of U.S. banks and credit unions
- Purchase APRPurchase APR7.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where AmFirst ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Indie VISA Credit Card
Student indie card to establish credit; 25-day grace period on purchases; no annual fee; no cash advance fee. Rate depends on final underwriting/creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.80% | None | APR as low as 14.80%. Rate depends on underwriting and creditworthiness. |
Sources (2)
All captured Oct 5, 2026
Secured VISA Credit Card
A Secured Visa card holds the balance in a special savings account as collateral; limits up to $5,000; 25-day grace period on all purchases; no annual fees or cash advance fees; free balance transfer service. Rate depends on final underwriting and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.80% | None | APR as low as 14.80%. Rate depends on underwriting and creditworthiness. |
Sources (2)
All captured Oct 5, 2026
VISA Platinum Credit Card
Limits up to $50,000; 25-day grace period on all purchases; no annual fees or cash advance fees; free balance transfer service. Rate depends on final underwriting and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.80% | None | APR as low as 7.80%. Rate depends on underwriting and creditworthiness. |
Sources (2)
All captured Oct 5, 2026
VISA Platinum Plus Credit Card
1% cash back on every purchase; 25-day grace period on purchases; no annual fees or cash advance fees; free balance transfer service. Rate depends on final underwriting and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.80% | None | APR as low as 10.80%. Rate depends on underwriting and creditworthiness. |
Sources (2)
All captured Oct 5, 2026
VISA Platinum Pro Credit Card
Earn bonus points for purchases redeemable for rewards; $25 annual fee and no cash advance fee; cash advances at same rate as purchases; free balance transfer service. Rate depends on final underwriting and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.80% | $25 | APR as low as 8.80%. Rate depends on underwriting and creditworthiness. |
Sources (2)
All captured Oct 5, 2026
Who can join AmFirst
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bibb, Blount, Calhoun, Chilton, Coosa, Cullman, Jefferson, Shelby, St. Clair, Talladega, Tallapoosa, or Walker counties, or certain areas of Mobile, are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires opening a Share Savings account with a minimum deposit / share purchase of $5.00.
Membership information collected October 4, 2026.