Flexible Certificate Accounts

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With a Flexible Certificate Account you get the perfect blend of high rates and consistent access. The Flexible Certificate Account at America First Credit Union is a 12-month Certificate Account that allows you penalty free access (quarterly) to any or all of your money during the first 5 calendar days of each quarter.

  • High Yield
  • Minimum opening deposit $500
  • Automatic renewal option
  • Additional deposits up to $10,000 per month (Each member is limited to deposits of $100,000 in any one or combination of Flexible Certificate accounts.)
  • One penalty free withdrawal quarterly
  • Total deposits in Flexible Certificates not to exceed $100,000 per member

View our Rate & Fee Schedule.

*Early-withdrawal penalties may apply.

Flexible Certificate Rating


Savings Rates

Type APY
12 Month Flexible 0.40%
3-5 Months 0.15%
6-11 Months 0.25%
12-23 Months 0.50%
24-29 Months 0.75%
30-35 Months 0.85%
36-47 Months 1.00%
48-59 Months 1.25%
60 Months 2.00%
Rates Effective April 16, 2014
Type APY
Share Savings 0.10%
Money Market
$0-$4,999.99
0.10%
Money Market
$5,000.00-$9,999.99
0.10%
Money Market
$10,000.00-$24,999.99
0.15%
Money Market
$25,000.00-$49,999.99
0.20%
Money Market
$50,000.00-$99,999.99
0.20%
Money Market
$100,000.00-$249,999.99
0.25%
Money Market
$250,000.00+
0.30%
IRA Accumulator 0.25%
Rates Effective April 16, 2014
Type APY
Regular Checking 0.05%
Money Market Checking
$0-$1,999.99
0.05%
Money Market Checking
$2,000.00-$9,999.99
0.05%
Money Market Checking
$10,000.00-$24,999.99
0.05%
Money Market Checking $25,000.00-$49,999.99 0.10%
Money Market Checking
$50,000.00-$99,999.99
0.15%
Money Market Checking $100,000.00-$249,999.99 0.20%
Money Market Checking
$250,000.00+
0.20%
Rates Effective April 16, 2014

View rates & terms for other accounts