IRA Certificate

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Note: You must have funds in an IRA Accumulator with America First Credit Union in order to open an IRA Certificate Account.

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If you're nearing retirement and want an IRA with a higher dividend rate, consider America First's IRA Certificate Accounts.

With an IRA Certificate Account, you get:

  • Competitive Rates
  • Bump, and Laddering Options
  • Automatic Renewal
  • Choose a term of three months to five years
  • NCUA Insured up to $250,000

IRA Rating


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Savings Rates

Certificates Savings Checking
Type APY
3-5 Months 0.75%
6-11 Months 1.05%
12-23 Months 1.35%
24-29 Months 1.60%
30-35 Months 1.85%
36-47 Months 2.10%
48-59 Months 2.35%
60 Months 3.10%
Rates Effective November 18, 2009
Type APY
Share Savings 0.40%
Money Market
$0-$4,999.99		 0.40%
Money Market
$5,000.00-$9,999.99		 0.50%
Money Market
$10,000.00-$24,999.99		 0.55%
Money Market
$25,000.00-$49,999.99		 0.80%
Money Market
$50,000.00-$99,999.99		 0.90%
Money Market
$100,000.00-$249,999.99		 1.06%
Money Market
$250,000.00+		 1.15%
IRA Accumulator 0.90%
Rates Effective November 18, 2009
Type APY
Regular Checking 0.15%
Money Market Checking
$0-$1,999.99		 0.00%
Money Market Checking
$2,000.00-$9,999.99		 0.15%
Money Market Checking
$10,000.00-$24,999.99		 0.25%
Money Market Checking $25,000.00-$49,999.99 0.35%
Money Market Checking
$50,000.00-$99,999.99		 0.40%
Money Market Checking $100,000.00-$249,999.99 0.50%
Money Market Checking
$250,000.00+		 0.60%
Rates Effective November 18, 2009

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