Regular & IRA Certificate Rates

Rates and terms are accurate as of Wednesday, November 18, 2009 and are subject to change.

This Rate and Fee Schedule sets forth current conditions, rates, fees, and charges applicable to your Regular & IRA Certificate account(s) at America First Federal Credit Union. The credit union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth herein on this Rate and Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement. Terms on Business Accounts may vary.

Term2 APY1 Dividend Rate Min. Opening Balance3 Min. Earning Balance Dividends Credited Apply Online
3-5 Months 0.75% 0.75% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
6-11 Months 1.05% 1.05% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
12-23 Months 1.35% 1.34% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
24-29 Months 1.60% 1.59% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
30-35 Months 1.85% 1.84% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
36-47 Months 2.10% 2.08% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
48-59 Months 2.35% 2.33% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
60 Months 3.10% 3.06% $500.00 $500.00 Monthly Regular Certificate IRA Certificate Dedicated Savings3
Flexible Certificate 1.25% 1.24% $500.00 $500.00 Monthly Flexible Certificate

Other Certificate Options

Option Details
Dedicated Savings Available on all Regular, IRA Certificate, and Coverdell Education Savings Accounts.
Ladder Option Available on all Regular, IRA, and Coverdell Education Savings Accounts, including bump rate certificates (minimum 2 certificates required).
Bump Option Available on all Regular and IRA Certificate Accounts. Rate is .25% less than regular rate.

You may make additional deposits of up to $10,000 each calendar month to your existing Dedicated Savings. Each account is limited to $100,000 in Dedicated Savings.

Early access option allows withdrawals without penalty after the first year. Withdrawals are limited to one each year, for up to 25% of the remaining principal.

  1. Annual Percentage Yield
  2. Click term title to calculate what your earnings might be.
  3. No minimum balance required for Dedicated Savings.