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Regular Certificate Accounts
Grandpa and Granddaughters

Regular Certificate Accounts

OPEN MY CERTIFICATE

Regular Certificate Accounts

OPEN MY CERTIFICATE
Regular Certificate Accounts
Grandpa and Granddaughters
A man in glasses smiling.
A man in glasses smiling.

Secure high rates for the long term

Now’s a great time to open a certificate because, for a limited time, you could earn up to 4.75% APY on certificate accounts. Click here for details.

OPEN A CERTIFICATE

Secure high rates for the long term

OPEN A CERTIFICATE
A man in glasses smiling.
A man in glasses smiling.

Now’s a great time to open a certificate because, for a limited time, you could earn up to 4.75% APY on certificate accounts. Click here for details.

Stop Underachieving, Start Earning

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Now’s a great time to grow your finances! Get an amazing rate on certificate accounts.

And if you already have an account at America First, it’s quick & easy to apply. Just click the button below to log in to online banking, select Settings, choose Additional Services, then click on Open a Certificate Account. You can also visit a branch or call Member Service to get started.

OPEN MY CERTIFICATE
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Certificates
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A Little Saving Goes a Long Way

Certificates are an excellent way to watch your savings grow over a short period of time. With America First, you can create certificate accounts that last anywhere between three months to five years, and they deliver dividends worth celebrating. Our certificates have low minimum opening balances, and your earnings are insured for up to $250,000.

If you’re already a member, log in to online banking, then select Open a Certificate Account in the QuickLinks box. You can also click Open a Certificate in our mobile banking app to watch your finances grow.

OPEN MY CERTIFICATE

A Little Saving Goes a Long Way

OPEN MY CERTIFICATE
Certificates
Friends Traveling Map

Certificates are an excellent way to watch your savings grow over a short period of time. With America First, you can create certificate accounts that last anywhere between three months to five years, and they deliver dividends worth celebrating. Our certificates have low minimum opening balances, and your earnings are insured for up to $250,000.

If you’re already a member, log in to online banking, then select Open a Certificate Account in the QuickLinks box. You can also click Open a Certificate in our mobile banking app to watch your finances grow.

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Earn More With a Certificate

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Our Certificate Accounts have flexible terms, low minimum balances, and the finest in member service.

APPLY NOW
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OUR PRODUCTS
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
4.10%
DIVIDEND RATE
4.03%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.50%
DIVIDEND RATE
4.41%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.35%
DIVIDEND RATE
4.27%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.75%
DIVIDEND RATE
4.65%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.45%
DIVIDEND RATE
4.36%
MIN. OPENING BALANCE
$500.00
MIN. EARNING BALANCE
$500.00
APY
4.60%
DIVIDEND RATE
4.51%
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, November 11, 2026 and are subject to change.

TERM APY DIVIDEND RATE MIN. OPENING BALANCE MIN. EARNING BALANCE
3-5 Months 3.95% 3.88% $500.00 $500.00
6-11 Months 4.00% 3.93% $500.00 $500.00
12-17 Months 4.05% 3.98% $500.00 $500.00
18-23 Months 4.10% 4.03% $500.00 $500.00
24-29 Months 4.50% 4.41% $500.00 $500.00
30-35 Months 4.35% 4.27% $500.00 $500.00
36-47 Months 4.75% 4.65% $500.00 $500.00
48-59 Months 4.45% 4.36% $500.00 $500.00
60 Months 4.60% 4.51% $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, November 11, 2026 and are subject to change.
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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 $500,000 in any one or combination of Flexible Certificate accounts, and $500,000 in any one or combination of Dedicated Savings accounts. Rates and terms are accurate as of Monday, November 09, 2026 and are subject to change.

Certificate Calculator

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Use this helpful tool to determine how much you can earn in dividends over the life of your certificate account.

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$

%

$

Months

*Available on Dedicated Savings & Flexible Certificates only

Certificate Benefits

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There are many reasons to sign up for a certificate account.

OPEN MY CERTIFICATE
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  • Automatic renewals for zero hassle
  • Low-risk, high-yield investment
  • NCUA insured up to $250,000
  • Terms from three months to five years
  • Ladder, bump, dedicated savings & flexible options

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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