Save Your Way
Whether you’re looking for a savings account with the highest rate of return or an innovative savings account with chances to win big, we’ve got you covered. We know our members have different savings priorities throughout their lives, so we give you options along the way. Save the way you want, when you want, with us.
American First offers several accounts that allow you to earn interest and build your savings toward a specific goal.
Open a term share certificate account to help you grow your funds at a better interest rate with terms you set.
Get rewarded with tiered interest rates based on your balance, with convenient access to your money when you need it most.
Choose the retirement account that will allow you to save the way you want for when your working days are over. Or take advantage of tax-deferred savings for your dependent’s qualified education expenses.
Savings & Money Market Account Rates
As of 12/23/2024
Account
Opening Deposit
Minimum Balance for APY
Dividend Rate
APY
Big Prize Savings
$25
$500
$3,000
0.05%
0.05%
0.05%
0.05%
Regular Savings
$50
$500*
$3,000
0.05%
0.05%
0.05%
0.05%
Safari Club (Age 12 or Younger)
$5
$5
0.25%
0.25%
Start Smart Savings (Ages 13 to 17)
$5
$5
0.25%
0.25%
Holiday Club Savings
$5
$5
0.25%
0.25%
Goal Setter Savings
$50
$500*
$3,000
0.05%
0.05%
0.05%
0.05%
Premium Money Market
$2,500
$2,500
$10,000
$50,000
$100,000
0.07%
0.10%
0.20%
0.25%
0.07%
0.10%
0.20%
0.25%
IRA Savings
$50
$500
0.05%
0.05%
Direct Deposit Certificate Builder
$10
$10
0.15%
0.15%
APY = Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period. *Balances under $500 minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. Fees may reduce earnings.
Certificate Specials
As of 12/23/2024
Term
Opening Deposit
Dividend Rate
APY
13 Month Promo Certificate*
$1,000
2.96%
3.00%
22 Month Promo Certificate*
$1,000
3.20%
3.25%
48 Month Promo Certificate**
$1,000
3.44%
3.50%
*13-month and 22-month promotion: Requires funds transferred from other financial institution(s). The minimum deposit to open and earn stated Annual Percentage Yield (APY) on share certificates at American First Credit Union is $1,000. Rates subject to change at any time. Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. No maximum deposit.
**48-month promotion: Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution. The minimum deposit to open and earn stated Annual Percentage Yield (APY) on share certificates at American First Credit Union is $1,000. Rates subject to change at any time. Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. No maximum deposit.
Share Certificate Rates
As of 12/23/2024
Term
Opening Deposit
Dividend Rate
APY
3 Month
$1,000
0.55%
0.55%
6 Month
$1,000
0.70%
0.70%
12 Month
$1,000
0.90%
0.90%
24 Month
$1,000
1.19%
1.20%
36 Month
$1,000
1.29%
1.30%
48 Month
$1,000
1.34%
1.35%
60 Month
$1,000
1.49%
1.50%
