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America First Credit Union

By Clip Syndicate
America First Credit Union Video: America First Credit Union
America First Credit Union Tue, 03 Oct 2017 15:34:47 +0000 America First Credit Union America First Credit Union KTVX ABC 4 Salt Lake City >> this is the coolest you at the loveland living planet aquarium, there is a scuba diver that just got in during the commercial break and i don't know if she is feeding the giant sea turtles but swimming around, you can see the turtle like diving in and out while the scuba diver is in there. it is so cool, sitting next to nicole from america first credit union. at america first are you all about saving your members money on fun family activities just like this one. >> yes. so the whole month of october if you use your america first visa or debit card and come here to the aquarium, you can get $5 off every regular price admission ticket. >> it's a great deal. >> great deal, come down, they are having lots of fun halloween activities, good opportunity to bring the family down and save quite a bit of money. >> had you been in this room before? >> yes, we have had events her for the credit yun and this is a beautiful room. it's kind of hard to focus. >> it is, i'm sorry i have o interview you in front of a giant aquarium because it is, you can't stop looking behind you, it is right off the entrance as you walk in. and i know they have a lot of conferences here, great partnerships that you have. >> we do. >> with the aquarim, so let's talk about something else you are doing at america first it is the 13th annual community food drive. >> it is. so we picked off the 11th of september. and it runs through october 21sment and we're collecting food at all of our locations throughout utah and nevada. and idaho and arizona. and you can go in and make a food donation and we will get that food to a local pantry or to the utah food bank. we've been doing this for 13 years and it's just an opportunity for the credit union to make a difference, to encourage our members to get involved, and to give back where they can. >> so let's give you an idea of why america first is so passionate about this project. one in five, imagine that, utah children living in poverty right now. one in five has a need. since 2004 you have collected 150,000 pounds of food. >> yes. >> remember. >> from our members and employees, our employees are huge donators to this. we've also since we started this, we have been donating $5,000 worth of turkeys that we also give along with the donations our members give we provide those too. it is a good way to kick off the holiday season. i know there is a big push for food during that time but we will jump start it early. >> it is people helping people and there is such a sense this week of what can i do for good, this is one of those things you can teutly do and it impacts our local community right here. >> yes, and again like, like i said we have branches throughout utah and into nevada. this is an opportunity for us to make a difference. >> go ahead and give back. so we've also ask you, everybody, out there on social media, this is our pun girl, america first can absolutely help you and so can nicole, send in your question, if you have any, we do have a viewer question for you today nicole s that all right if i throw this at awe. our viewer asks if you have a car loan should you refinance after a certain amount of time with the goal of getting a better interest rate. and if so, does it cost. a couple questions here. and at what point in your loan should you or can you refinance. >> okay so there are lots of different answers to these questions. the first one is does it cost. if you are a member of america first and you already have a current loan ad you want to refinance there is a $25 fee to review the loan f are you not, just bringing in a car loan you want to refinance, there is not a fee for that. >> i didn't know could you do that, even if are you not a member. >> come join and become a member and then refinance. >> then refinance. >> there you go. and then the other thing to look at is that maybe the term of the loan, maybe are you in a different financial situation than you were before and you want to shorten that term, maybe we have a promotion or a raise and you have more money to put towards that loan. if you go in and refinance, shorten the term, your payment will go up, but you will pay less interest over time. >> which what you want. >> if you can. >> if you can afford it. >> another situation is meab your credit improved. when you maybe got the loan the first time you had poor credit so you had a higher interest rate. if your credit improved you can refinance, get a lower interest rate, paying less interest over the term of the loan. and then the last option is that i just lost my train of thought here. oh, just if you want to take advantage of the lower interest rate, so say when you first get the loan the rate was higher, now a couple years later the rates have gone down. it is an opportunity to refinance to lower that interest rate, paying less over the term of the loan. >> if you have money questions, america first has answers. please shop on our social media if there is anything you would like mi cole to answer she can do that for you. but location, like you said, up and down our state, and also in other states like idaho and nevada. good for for all of the links to those locations and where you can go in, make sure you go and save on the loveland living

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