For a limited time, when you transfer balances from other institutions to your America First Visa® credit account, we’ll pay* you 3% of the amount you move!

That’s right, instead of facing a balance-transfer fee, we’ll deposit money in your account.

Plus, you’ll benefit from:

• Low rates
• No annual fees
• Free Card Guard® mobile security
• Free identity theft recovery
• Much more

Apply today.

*Total cash return cannot exceed $300. Eligibility, terms & conditions apply. Offer valid through March 31, 2017. Incentive will be paid to member’s share savings account within three (3) calendar week of balance transfer. Not available on business accounts or balances transferred from existing America First loans. Cannot be combined with any other offers. Federally insured by NCUA/Equal Opportunity Lender.

The America First Credit Union annual meeting will be held on April 18, 2017 at 7 p.m. in the David S. Eccles Conference Center, Ogden, Utah.

If you cannot attend, you may request an absentee ballot for the Board of Directors election:

·By mail- America First Credit Union, P.O. Box 9199, Ogden, Utah 84409, Attention: Election Committee

·In person- America First Operations Center, 1344 West 4675 South, Riverdale, Utah 84405

Each requires the member’s name, account number & address. All requests must be received by 5 p.m. on February 1, 2017 at either of the above addresses.

Absentee ballots will be mailed in March. Candidates’ names and residences will be featured in an America First publication issued prior to the meeting. Copies of candidates’ qualifications will be available at our branches in April.

Completed ballots must be delivered to America First by 5 p.m. on April 10, 2017. Members receiving them cannot vote at the meeting. To follow is the request form: afcu_digital-ballot

In accordance with credit union bylaws, three America First members will be elected to the Board of Directors at the annual meeting on April 18, 2017 at the David S. Eccles Conference Center in Ogden, Utah. These non-paying positions are voluntary.

Incumbent directors serving three-year terms are:

• Linda Carver
• Edwin G. Cline
• James G. Wendler

Those interested in applying must meet the following minimum standards:

• Membership in good standing
• Legal age (18 years or older)
• Bondable
• Free from any conflicts of interest
• Available for all Board of Directors, Committee, and other designated meetings unless excused

Please submit a letter of application to the America First Nominations Committee, P.O. Box 9199, Ogden, Utah 84409. This should include your statement of qualification (limited to 150 words).

The application deadline is 5 p.m. on January 11, 2017 at the above address. You will be interviewed between January 12 and January 27 of next year if you meet the criteria.

Nominations for Board seats by petition are also accepted. Those applying this way must submit a qualification statement (the word limit is 150) and a petition signed by 500 fellow credit union members. Such applications must be accompanied by a signed certificate from the nominee stating he or she is agreeable to the process and will serve if elected. Applications for nomination by petition must be received by 5 p.m., January 11, 2017 at the address listed previously.

Each applying member receives a copy of the election instructions. Elections will be conducted by ballot at the meeting and nominations are not accepted from the floor.

Please direct any questions regarding the duties and responsibilities of the Board of Directors or election procedures to Sheryl Cox by calling 1-800-999-3961.

The America First Financial Solutions program offers investment products to help you achieve your personal objectives, including:

∙ Saving for a home

∙ Providing resources for college

∙ Planning a comfortable retirement

Ask us for details.

There are many of our family, friends & neighbors who go without adequate food every week and those who don’t know where they will get their next meals.

Thankfully, your generosity has always worked in opposition to this trend and we’re again asking you to ensure the Greater Good food drive is a lasting and successful tradition.

We’ll be accepting canned & non-perishable items — as well as other necessities, such as toothbrushes, diapers, soap and toilet paper — at our branches through Saturday, October 22.

You’ll be entered into a drawing for an Apple Watch for each contribution. And you’ll be making a difference in the lives of the less fortunate & the communities we share.

Click here to locate an office near you. Then stop by and donate. We appreciate your support.

*Drawing eligibility & conditions apply. Must be 18 years old to participate.