Holiday Closure

Holiday Closure

In observance of Pioneer Day, America First offices in Utah will be closed on Friday, July 24. Branches outside of Utah, our contact center, mobile & online banking, our ATMs, our virtual assistant, and SpeechAccess™ will still be available for your convenience. Please see our holiday schedule for a complete list of closure dates.

HOLIDAY HOURS
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Bump Rates
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Bump-rate Certificate Accounts

OPEN MY CERTIFICATE

Bump-rate Certificate Accounts

OPEN MY CERTIFICATE
Bump Rates
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Bump Rates
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Take Advantage of Temporary Interest Rates

A bump-rate certificate account lets you increase the rate one time during its term for higher dividends, earning you more money. Simply log in to America First online banking and click on Open a Certificate Account in the QuickLinks box. You can also open bump-rate certificates with mobile banking, at any America First branch, or by calling our member service center.

SEE OUR RATES

Take Advantage of Temporary Interest Rates

SEE OUR RATES
Bump Rates
Woman Holding Money

A bump-rate certificate account lets you increase the rate one time during its term for higher dividends, earning you more money. Simply log in to America First online banking and click on Open a Certificate Account in the QuickLinks box. You can also open bump-rate certificates with mobile banking, at any America First branch, or by calling our member service center.

Bump Rates
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Benefits of a Bump-rate Certificate Account

Terms for certificates are usually between three months and five years. You’ll typically earn more dividends during this time than with a traditional savings account.

 

With a bump-rate certificate account, you can adjust your interest rate once during the account’s lifespan. This will let you take advantage of a better rate when the time comes, earning you more money.

Benefits of a Bump-rate Certificate Account

Bump Rates
Couple on Phone

Terms for certificates are usually between three months and five years. You’ll typically earn more dividends during this time than with a traditional savings account.

 

With a bump-rate certificate account, you can adjust your interest rate once during the account’s lifespan. This will let you take advantage of a better rate when the time comes, earning you more money.

OUR PRODUCTS
APY
3.75%
DIVIDEND RATE
3.69%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.80%
DIVIDEND RATE
3.74%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.80%
DIVIDEND RATE
3.74%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.80%
DIVIDEND RATE
3.74%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.95%
DIVIDEND RATE
3.88%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.90%
DIVIDEND RATE
3.83%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.90%
DIVIDEND RATE
3.83%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.90%
DIVIDEND RATE
3.83%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
3.95%
DIVIDEND RATE
3.88%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00

APY = Annual Percentage Yield. Early-withdrawal penalties may apply. Dividends are credited monthly. Maintenance or activity fees could reduce the earnings on the account. No minimum balance is required for Dedicated Savings. Flexible Certificates and Dedicated Savings allow additional deposits of up to $10,000 each calendar month. Each member is limited to $100,000 in any one or combination of Flexible Certificate accounts, and $100,000 in any one or combination of Dedicated Savings accounts. Rates and terms are accurate as of Wednesday, July 15, 2026 and are subject to change.

PRODUCT APY DIVIDEND RATE MIN. OPENING BALANCE MIN. EARNING BALANCE
3-5 Months 3.75% 3.69% $500.00 $500.00
6-11 Months 3.80% 3.74% $500.00 $500.00
12-17 Months 3.80% 3.74% $500.00 $500.00
18-23 Months 3.80% 3.74% $500.00 $500.00
24-29 Months 3.95% 3.88% $500.00 $500.00
30-35 Months 3.90% 3.83% $500.00 $500.00
36-47 Months 3.90% 3.83% $500.00 $500.00
48-59 Months 3.90% 3.83% $500.00 $500.00
60 Months 3.95% 3.88% $500.00 $500.00
APY = Annual Percentage Yield. Early-withdrawal penalties may apply. Dividends are credited monthly. Maintenance or activity fees could reduce the earnings on the account. No minimum balance is required for Dedicated Savings. Flexible Certificates and Dedicated Savings allow additional deposits of up to $10,000 each calendar month. Each member is limited to $100,000 in any one or combination of Flexible Certificate accounts, and $100,000 in any one or combination of Dedicated Savings accounts. Rates and terms are accurate as of Wednesday, July 15, 2026 and are subject to change.

Certificate Calculator

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Want to estimate how much you’ll earn on your investment? Simply enter how much you’re going to deposit, the length of the term, and the dividend rate to instantly calculate your potential earnings.

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*Available on Dedicated Savings & Flexible Certificates only

Questions about Bump-rate Certificate Accounts

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Putting your money away for months or years raises may raise some questions. We understand. Here are a few common questions about bump-rate certificate accounts.

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A bump-rate certificate account lasts anywhere between three months and five years. There are options to automatically renew your certificate, as well. Contact us or visit your local branch for more details.

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You must open a bump-rate certificate account with a minimum of $500. 

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Members must maintain $500 in their certificate account in order to earn the posted dividend rate.

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Yes, but an early withdrawal fee will be deducted from your balance. If you can, it’s better to leave your funds in the account and wait until the period has expired to withdraw funds. Besides, the higher amount that is in the account, the higher dividends you’ll earn.

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Yes! Funds in your bump-rate certificate account are insured for up to $250,000.

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Open a Bump-rate Certificate Account

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Click the button to begin your online application for a bump-rate certificate or visit your nearest America First branch for in-person assistance.

We're Here to Help You

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At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

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