Get Your Money Working
Now’s a great time to grow your finances! For a limited time, get an amazing 4.35% annual percentage yield (APY) on 3- to 5-month certificates.
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.
Earn More With a Certificate
Our Certificate Accounts have flexible terms, low minimum balances, and the finest in member service.
| TERM | APY | DIVIDEND RATE | MIN. OPENING BALANCE | MIN. EARNING BALANCE |
|---|---|---|---|---|
| 3-5 Months | 4.35% | 4.27% | $500.00 | $500.00 |
| 6-11 Months | 4.35% | 4.27% | $500.00 | $500.00 |
| 12-17 Months | 4.35% | 4.27% | $500.00 | $500.00 |
| 18-23 Months | 4.10% | 4.03% | $500.00 | $500.00 |
| 24-29 Months | 4.10% | 4.03% | $500.00 | $500.00 |
| 30-35 Months | 4.10% | 4.03% | $500.00 | $500.00 |
| 36-47 Months | 4.15% | 4.07% | $500.00 | $500.00 |
| 48-59 Months | 4.20% | 4.12% | $500.00 | $500.00 |
| 60 Months | 4.20% | 4.12% | $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
Use this helpful tool to determine how much you can earn in dividends over the life of your certificate account.
Certificate Benefits
There are many reasons to sign up for a certificate account.
- 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
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.