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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.
OUR PRODUCTS
APY
4.20%
DIVIDEND RATE
4.12%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.20%
DIVIDEND RATE
4.12%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.20%
DIVIDEND RATE
4.12%
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
3.95%
DIVIDEND RATE
3.88%
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
4.00%
DIVIDEND RATE
3.93%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.05%
DIVIDEND RATE
3.98%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.05%
DIVIDEND RATE
3.98%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
| PRODUCT | APY | DIVIDEND RATE | MIN. OPENING BALANCE | MIN. EARNING BALANCE |
|---|---|---|---|---|
| 3-5 Months | 4.20% | 4.12% | $500.00 | $500.00 |
| 6-11 Months | 4.20% | 4.12% | $500.00 | $500.00 |
| 12-17 Months | 4.20% | 4.12% | $500.00 | $500.00 |
| 18-23 Months | 3.95% | 3.88% | $500.00 | $500.00 |
| 24-29 Months | 3.95% | 3.88% | $500.00 | $500.00 |
| 30-35 Months | 3.95% | 3.88% | $500.00 | $500.00 |
| 36-47 Months | 4.00% | 3.93% | $500.00 | $500.00 |
| 48-59 Months | 4.05% | 3.98% | $500.00 | $500.00 |
| 60 Months | 4.05% | 3.98% | $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, March 12, 2025 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.
*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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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.
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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