Whether you’re saving for a rainy day or a sunny one, America First has lots of outstanding account options for you to choose from, including:

Money Market Savings—This account is ideal for short-term and emergency savings. It earns higher dividends than Share Savings, yet still gives you access to your funds whenever you need them. The dividend rate increases along with your account balance, so the more you save, the more you earn.

•     No minimum balance - Save according to your schedule

•     Security - Your money is federally insured, so your principal is never at risk*

•     Anytime access - Manage your account online or over the phone and withdraw money whenever you choose without incurring fees or penalties

•     Convenience - Easy automatic deposits and withdrawals

Certificate Accounts—If you’re going to be saving for a specific amount of time, Certificates can be a fantastic choice. They’re easy to set up, require low minimum opening balances, and offer competitive dividends, which can go directly to another account or right back into the Certificate. Options include:

•     Bump-rate - Choose when to use a one-time rate increase for the term that’s right for you

•     Dedicated savings - A low-risk, high-yield way to save for large expenses on the horizon

•     IRA - Can be ideal if you’re nearing retirement and want an IRA with a higher dividend rate

•     Flexible - Enjoy penalty-free access during the first five calendar days of each quarter

Youth Savings—If you’re a member age 18 through 25, we’ve designed our Student Savings account for you. It gives you all the benefits, convenience, and security of our standard savings, but it also offers:

•     Tiered dividends - Earn a higher rate on a low balance than you would with another account

•     No minimum balance - Save on your own schedule, as much or as little as you want

•     Anytime access - Withdraw money whenever you’d like with no fees or penalties

•     Seamless conversion - When you turn 26, your account becomes a Money Market Savings account**

*Subject to terms & conditions.

**Eligibility and creditworthiness apply.