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Providing Financial Security and Peace of Mind

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Auto Loans

New and Used Vehicle Loans

Purchasing a new vehicle is an exciting time, but you also want to make sure you get a great rate, flexible terms and a monthly payment that you can afford. With Allegany First, you can take advantage of our competitive rates and friendly terms to finance your next vehicle.

  • Offering 100% financing with $0 down
  • Quick and easy approval process with funds available in 1-2 days in most cases
  • No prepayment penalty
  • Convenient automatic payment or monthly coupons

Recreational Vehicle Loans: Campers, Motorcycles, ATVs, Snowmobiles and Dirt Bikes

No matter how many wheels you roll on, we’ll get your motor running.

  • Up to 100% financing
  • Terms up to 120 months
  • Same great rate for a new or used recreational vehicle
  • No prepayment penalty
  • Convenient automatic payment or monthly coupons


Members who are pre-approved for an auto loan before they shop often save money. They are able to shop with confidence, focusing on the price and the deal, rather than the financing. Pre-approval from your credit union is quick and simple.


For your added protection credit disability and life insurance are available on most loans for a minimal cost.

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Personal and Debt Consolidation Loans

Nobody wants to be in debt. When you’re there, finding a way out can seem daunting. At Allegany First, you can consolidate your high-rate interest loans or credit cards into one manageable monthly payment, paying one low rate and saving money.

Have a different vision? If you imagine it, we may be able to help you fund it. Our quick, no-collateral personal loans can make your dream a reality.

  • View competitive rates
  • Ideal if you need a set amount of immediate funds
  • Peace of mind in knowing you have set terms and monthly payments
  • No collateral required
  • Loan amounts up to $25,000
  • No prepayment penalty
  • Convenient automatic payment or monthly coupons

Mortgage Loans

In partnership with Owners Choice Funding, Allegany First is pleased to announce our mortgage financing program. Whether you’re purchasing a home or refinancing your mortgage, you can look to us for trusted advice and exceptional service. Our mortgage program features:

  • Secure online application process
  • Free pre-approvals within minutes
  • Expanded loan programs
  • Low interest rates and closing costs
  • Expert support and assistance throughout the entire process
Sallie Mae student loan

The Smart Option Student Loan by Sallie Mae

Sallie Mae’s Smart Option Student Loan can help you pay for the education expenses after maximizing grants, scholarships, and federal student loans. The Smart Option Student Loan features competitive interest rates, flexible repayment options, and rewards for paying your student loans on time while in school. Plus, you can borrow up to 100% of your school-certified costs of education.

Applying online is easy – it only takes about 15minutes to apply and get a credit result.

Simply Credit Lines

Credit Card Debt Consolidation and Refinancing

Pay off your high-rate credit and department store cards and move the balances to AFFCU at a fixed rate at simple interest. SimplyCredit is more than just debt consolidation, it's the smartest way to use your cards:

  • Keep your cards, earning points and rewards.
  • Pay off your cards from your SimplyCredit line, making every card your low-rate card.
  • Use SimplyCredit to manage your cards and maximize your savings.