Business Details
50+ Years
experience
Your Trusted Partner for Financial Success
American First Credit Union has dedicated itself to improving members' financial well-being since 1952. Originally serving grocery store workers, we've expanded to offer innovative financial solutions to individuals and businesses across Orange, Riverside, and San Bernardino counties. Our member-owned structure ensures profits are reinvested to provide better rates and services. We maintain federal insurance through NCUA and prioritize community enrichment through our 'Caring First' initiative. Our digital platforms offer 24/7 access to accounts and a nationwide network of 30,000 fee-free ATMs.With expertise in home, vehicle, and personal lending, we combine competitive rates with personalized service. Our team of seasoned professionals delivers tailored financial strategies, including commercial real estate financing and youth savings programs. We emphasize financial education through resources like Biz Kid$ and Bite of Reality simulations. Our commitment to transparency includes no hidden fees and clear communication about all services. As a locally engaged institution, we balance national reach with community-focused banking principles.
Services
Home Loans
Vehicle Loans
Personal Loans
Credit Cards
Commercial Real Estate
Checking Accounts
Savings Accounts
Business Services
Youth Accounts
Wealth Management
Details
- Year established: 1952
Highlights and features
- We offer over 70 years of experience in community-focused banking
- Our member-owned structure provides better rates and personalized service
- We maintain 24/7 digital access with nationwide ATM network coverage
- Our commercial real estate team has originated $125MM+ in loans
- We provide financial education resources for all age groups
Associations and certifications
- NCUA
What people say
Easy and fantastic to work with
No better bank than a credit union
Completed everything within days
Answered all my questions
Competitive interest rates
Services
Home Loans
We offer purchase, refinance, and equity loan options with competitive rates. Our in-house processing ensures personalized service from pre-approval to closing. Consultants help clients achieve homeownership goals through tailored financing solutions.
Vehicle Loans
New and used car loans include enhanced insurance options. We provide refinancing solutions to reduce payments and financing for RVs, boats, and motorcycles. Our experts simplify the vehicle purchasing process.
Commercial Real Estate
Nationwide financing for multi-family, self-storage, and light industrial properties. Our experienced team handles loans up to $125MM with specialized solutions for manufactured housing communities and medical offices.
Youth Accounts
Age-specific savings accounts teach financial responsibility. Programs include Safari Club for children and Start Smart Savings for teens. Educational resources help develop early money management skills through interactive learning.
Credit Cards
Rewards cards offer cashback and no annual fees. Secured options help build credit with competitive APRs. Digital tools enable real-time spending tracking and account management.
People
Steven Negrete
Real Estate & Wholesale Loan Consultant
With 20+ years in mortgage and finance, Steven specializes in residential lending. He focuses on personalized service and helps members achieve homeownership goals through tailored solutions.
Teanna Timmons
Commercial Real Estate Loan Officer
Originating $125MM+ in CRE loans, Teanna specializes in multi-family and commercial properties. She provides strategic financing solutions while maintaining top production rankings within the credit union.
Anthony Gallego
Commercial Real Estate Loan Officer
With 15+ years in real estate finance, Anthony focuses on apartment complexes and net-lease properties. He holds an MBA in Finance and prioritizes client relationships through transparent communication.
Questions
What loan products do you offer?
We provide home, vehicle, personal, and commercial real estate loans with competitive rates and flexible terms.
Are you federally insured?
Yes, we are federally insured by the National Credit Union Administration (NCUA).
How can I access my accounts?
24/7 access is available through mobile banking, online services, and 30,000 fee-free ATMs nationwide.
Do you offer business banking services?
Yes, we provide business checking accounts and commercial real estate financing solutions.
What youth financial programs exist?
We offer age-specific savings accounts and educational resources like Biz Kid$ and Bite of Reality simulations.
Can I refinance existing loans?
Yes, we offer vehicle loan refinancing to reduce payments and improve interest rates.
