Account Rates

Leading Dividends & Security

This Rate and Fee Schedule sets forth current conditions, rates, fees, and charges applicable to your regular Certificates, Individual Retirement Account (IRA) Certificates, Health Savings Account (HSA) Certificates, Coverdell Education Savings Account (CESA) Certificates, Checking Accounts, Health Savings Accounts, Savings Accounts, Money Market Accounts, and IRA Accumulator Accounts at America First Federal Credit Union. The credit union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth herein on this Rate and Fee Schedule and acknowledges that it is a part of the Membership & Account Agreement. For terms on member business accounts see the Business Rate & Fee Schedule.

Certificate Rates


Term APY Dividend Rate Min. Opening Balance Min. Earning Balance
APY = Annual Percentage Yield. Early-withdrawal penalties may apply. Dividends are credited monthly. 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, January 18, 2017 and are subject to change.
3-5 Months 0.50% 0.50% $500.00 $500.00
6-11 Months 0.75% 0.75% $500.00 $500.00
12-23 Months 1.25% 1.24% $500.00 $500.00
24-29 Months 1.50% 1.49% $500.00 $500.00
30-35 Months 1.60% 1.59% $500.00 $500.00
36-47 Months 1.75% 1.74% $500.00 $500.00
48-59 Months 2.00% 1.98% $500.00 $500.00
60 Months 2.55% 2.52% $500.00 $500.00
Flexible Certificate 1.06% 1.05% $500.00 $500.00

Other Certificate Options

Dedicated Savings

Available on all Regular, IRA Certificate, and Coverdell Education Savings Accounts.

Ladder Option

Available on all Regular, IRA, and Coverdell Education Savings Accounts, including bump rate certificates (minimum 2 certificates required).

Bump Option

Available on all Regular and IRA Certificate Accounts. Rate is typically less than regular certificate rate.
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Checking Rates


Product APY Dividend Rate Min. Opening Balance Min. Earning Balance
APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited monthly. The Dividend Rate and Annual Percentage Yield may change monthly for Checking Accounts. Rates and terms are accurate as of Wednesday, January 18, 2017 and are subject to change.
Regular Checking 0.05% 0.05% $0.00 $500.00
Money Market Checking
$0-$1,999.99
0.05% 0.05% $10,000.00 $2,000.00
Money Market Checking
$2,000.00-$9,999.99
0.05% 0.05% $10,000.00 $2,000.00
Money Market Checking
$10,000.00-$24,999.99
0.05% 0.05% $10,000.00 $2,000.00
Money Market Checking
$25,000.00-$49,999.99
0.10% 0.10% $10,000.00 $2,000.00
Money Market Checking
$50,000.00-$99,999.99
0.15% 0.15% $10,000.00 $2,000.00
Money Market Checking
$100,000.00-$249,999.99
0.20% 0.20% $10,000.00 $2,000.00
Money Market Checking
$250,000.00+
0.20% 0.20% $10,000.00 $2,000.00

Health Savings Account Rates


Product APY Dividend Rate Min. Opening Balance Min. Earning Balance
APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited and compounded monthly. Health Savings Accounts are secondary accounts. You must have a primary credit union account with America First. Membership and eligibility rules apply. Contributions to and distributions from HSA accounts are reportable to the IRS. Additional terms and conditions apply, see Truth in Savings Disclosure. Rates and terms are accurate as of Wednesday, January 18, 2017 and are subject to change.
HSA - Share Savings 0.10% 0.10% $0.00 $0.00
HSA - Money Market Savings
$0-$4,999.99
0.10% 0.10% $0.00 $0.00
HSA - Money Market Savings
$5,000-$9,999.99
0.30% 0.30% $0.00 $0.00
HSA - Money Market Savings
$10,000-$24,999.99
0.50% 0.50% $0.00 $0.00
HSA - Money Market Savings
$25,000-$49,999.99
0.70% 0.70% $0.00 $0.00
HSA - Money Market Savings
$50,000 +
0.70% 0.70% $0.00 $0.00
HSA - Money Market Checking
$500-$1,999.99
0.05% 0.05% $0.00 $500.00
HSA - Money Market Checking
$2,000 +
0.30% 0.30% $0.00 $500.00

Savings Rates


Product APY Dividend Rate Min. Opening Balance Min. Earning Balance Open Online
APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited monthly. The Dividend Rate and Annual Percentage Yield may change monthly for Share Savings, Money Market, and IRA Accumulator accounts. Rates and terms are accurate as of Wednesday, January 18, 2017 and are subject to change.
Share Savings 0.10% 0.10% $1.00 $1.00 OPEN NOW
Money Market
$0-$4,999.99
0.10% 0.10% $0.00 $0.00 OPEN NOW
Money Market
$5,000.00-$9,999.99
0.10% 0.10% $0.00 $0.00 OPEN NOW
Money Market
$10,000.00-$24,999.99
0.15% 0.15% $0.00 $0.00 OPEN NOW
Money Market
$25,000.00-$49,999.99
0.20% 0.20% $0.00 $0.00 OPEN NOW
Money Market
$50,000.00-$99,999.99
0.20% 0.20% $0.00 $0.00 OPEN NOW
Money Market
$100,000.00-$249,999.99
0.25% 0.25% $0.00 $0.00 OPEN NOW
Money Market
$250,000.00+
0.30% 0.30% $0.00 $0.00 OPEN NOW
IRA/CESA Accumulator 0.25% 0.25% $0.00 $0.00 Open at your nearest branch

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