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Dedicated Savings
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Dedicated Savings Accounts

START MY DEDICATED SAVINGS

Dedicated Savings Accounts

START MY DEDICATED SAVINGS
Dedicated Savings
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Automatic Deposits

Automatic Deposits, Increased Benefits

If you know a large expense is coming up—such as a family vacation, your spouse’s birthday or the holidays—a dedicated savings certificate makes it easy to start planning now. America First offers competitive dividends and flexible terms, so your funds will earn more as your goal gets near.

With dedicated savings, you pick the deposit amount as well as the term, and the money is automatically transferred each month—it’s a simple way to save. Your dividends can go directly to checking, money market, share savings—or you can roll them back into the certificate and enjoy the benefits of compound interest.

Plus, you can easily sign up for dedicated savings in person, over the phone, with our mobile banking app, or by logging in to online banking: select Settings, choose Additional Services, then click on Open a Certificate Account.

SEE OUR RATES

Automatic Deposits, Increased Benefits

SEE OUR RATES
Automatic Deposits

If you know a large expense is coming up—such as a family vacation, your spouse’s birthday or the holidays—a dedicated savings certificate makes it easy to start planning now. America First offers competitive dividends and flexible terms, so your funds will earn more as your goal gets near.

With dedicated savings, you pick the deposit amount as well as the term, and the money is automatically transferred each month—it’s a simple way to save. Your dividends can go directly to checking, money market, share savings—or you can roll them back into the certificate and enjoy the benefits of compound interest.

Plus, you can easily sign up for dedicated savings in person, over the phone, with our mobile banking app, or by logging in to online banking: select Settings, choose Additional Services, then click on Open a Certificate Account.

Dedicated Savings
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See how quickly your deposits can add up with a dedicated savings account from America First.

  • Low-risk, high-yield investments
  • No minimum opening balances
  • Competitive dividends
  • Terms from three months to five years
  • $10 monthly minimum automatic deposit
  • Contribute up to $10,000 per month*
  • Federally insured up to $250,000
  • Automatic renewal options
  • Regular & IRA options

*Limited to $100,000 total in one or multiple dedicated savings accounts.

Dedicated Savings
Woman in RV

See how quickly your deposits can add up with a dedicated savings account from America First.

  • Low-risk, high-yield investments
  • No minimum opening balances
  • Competitive dividends
  • Terms from three months to five years
  • $10 monthly minimum automatic deposit
  • Contribute up to $10,000 per month*
  • Federally insured up to $250,000
  • Automatic renewal options
  • Regular & IRA options

*Limited to $100,000 total in one or multiple dedicated savings accounts.

OUR PRODUCTS
APY
3.90%
DIVIDEND RATE
3.83%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
3.95%
DIVIDEND RATE
3.88%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
3.95%
DIVIDEND RATE
3.88%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
3.95%
DIVIDEND RATE
3.88%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
4.10%
DIVIDEND RATE
4.03%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
4.05%
DIVIDEND RATE
3.98%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
4.05%
DIVIDEND RATE
3.98%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
4.05%
DIVIDEND RATE
3.98%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00
APY
4.10%
DIVIDEND RATE
4.03%
MIN. OPENING BALANCE
$0.00
MIN. EARNING BALANCE
$0.00

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, June 17, 2026 and are subject to change.

PRODUCT APY DIVIDEND RATE MIN. OPENING BALANCE MIN. EARNING BALANCE
3-5 Months 3.90% 3.83% $0.00 $0.00
6-11 Months 3.95% 3.88% $0.00 $0.00
12-17 Months 3.95% 3.88% $0.00 $0.00
18-23 Months 3.95% 3.88% $0.00 $0.00
24-29 Months 4.10% 4.03% $0.00 $0.00
30-35 Months 4.05% 3.98% $0.00 $0.00
36-47 Months 4.05% 3.98% $0.00 $0.00
48-59 Months 4.05% 3.98% $0.00 $0.00
60 Months 4.10% 4.03% $0.00 $0.00
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, June 17, 2026 and are subject to change.

Dedicated Savings Calculator

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

OPEN MY DEDICATED SAVINGS

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*Available on Dedicated Savings & Flexible Certificates only
Group 25

Saving is Essential

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From putting aside funds for a rainy day to long-term investments, America First has the product for you, no matter your life stage.

OPEN A DEDICATED SAVINGS ACCOUNT
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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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