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Let your money grow by investing it in a certificate account at America First. Our certificates are simple to set up and offer high dividend rates for longer-term savings. And these top-tier accounts are free from market risk & vulnerability.

We offer a variety of certificate options to suit your lifestyle and financial needs. Find the one that works best for you and start earning more today.


Bump Certificate Accounts

Bump-rate certificate accounts give you a one-time rate increase. You decide when to bump the rate up and you can pick the term that is right for you.


Dedicated Savings Accounts

If you know a large expense is in your future, a dedicated savings account makes it easy to plan for it now. And when you agree to leave your money in the account for a specified time, you can earn a great rate.


Flexible Certificate Accounts

With a flexible certificate account you get the perfect blend of high rates and consistent access. The flexible certificate account at America First Credit Union is a 12-month certificate account that allows you penalty free access (quarterly) to any or all of your money during the first 5 calendar days of each quarter.


IRA Certificate Accounts

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


Ladder Certificate Accounts

Laddering your certificate accounts is a cash management option that allows you to ultimately get long-term rates while retaining access to a portion of your money.


Regular Certificate Accounts

We have low $500 minimum-deposit levels and you can count on the finest in quality member service from your credit union.