With a flexible certificate, you get the perfect blend of high rates and consistent access. This is a 12-month certificate account that allows you penalty-free access to any or all of your money during the first five calendar days of each quarter. Please note that flexible certificates can only be opened over the phone, in a branch, or through secure chat in online banking.
| PRODUCT | APY | DIVIDEND RATE | MIN. OPENING BALANCE | MIN. EARNING BALANCE |
|---|---|---|---|---|
| Flexible Certificate | 3.70% | 3.64% | $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. | ||||
From putting aside funds for a rainy day to long-term investments, America First has the product for you, no matter your life stage.
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.
