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Rates

Effective: May 1, 2008

Savings Accounts* Min. Deposit To Open** Min. Bal. For APY Dividend Rate APY
Savings $50 $500 0.2500% 0.2503%
Savings $50 $3,000 0.5000% 0.5011%
Safari Club $5 $5 0.5000% 0.5011%
Start Smart $5 $5 0.5000% 0.5011%
Holiday Club $5 $5 0.5000% 0.5011%
Goal Setter $50 $500 0.2500% 0.2503%
Goal Setter $50 $3,000 0.5000% 0.5011%
Money Market $2,500 $2,500 0.7500% 0.7526%
Premium Money Market $10,000 $10,000 1.8000% 1.8149%
Premium Money Market $25,000 $25,000 2.0500% 2.0694%
Premium Money Market $50,000 $50,000 2.6000% 2.6312%
Premium Money Market $100,000 $100,000 3.0300% 3.0724%
Premium Money Market $250,000 $250,000 3.2500% 3.2989%
IRA Savings $50 $500 0.5000% 0.5011%
Direct Deposit Certificate Builder $10 $10 0.5000% 0.5011%

* The rate may change after the account is opened and is accurate as of the last dividend declaration period. Fees could reduce earnings.
** Balances under minimum are subject to monthly service fees. Refer to service pricing (pdf file / 60k) for details.


  • APY = Annual Percentage Yield
  • Accounts are federally insured to $100,000 by NCUA, a U.S. Government Agency.
  • Refer to Service and Pricing sheet for charges which may be imposed.
  • Pricing subject to change without notice.

Checking Account* Min. Deposit To Open** Min. Balance For APY Dividend Rate APY
FREE Checking $50 N/A 0.0000% 0.0000%
Total Access $50 N/A 0.0000% 0.0000%
Premium (Tier 1) $50 $5,000 1.0000% 1.0038%
Premium (Tier 2) $50 $25,000 2.0000% 2.0151%

*The rate may change after the account is opened and is accurate as of the last dividend declaration period. Fees could reduce earnings.
**Balances under minimum are subject to monthly service fees. Refer to service pricing for details.

Certificates and Individual Retirement Accounts(IRAs)*
IRA and Share Certificates

Minimum deposit to open: $1,000

Jumbo IRA and Share Certificates

Minimum deposit to open: $100,000

Account Period Dividend Rate APY Dividend Rate APY
3 month 2.4500% 2.4802% 2.7000% 2.7367%
6 month 3.4500% 3.5100% 3.7000% 3.7691%
12 month 3.4000% 3.4583% 3.6500% 3.7172%
14 month1 3.0000% 3.0453% 3.2500% 3.3032%
24 month2 3.0000% 3.0453% 3.2500% 3.3032%
36 month 2.8500% 2.8909% 3.1000% 3.1484%
48 month 2.8000% 2.8395% 3.0500% 3.0969%
60 month 3.1500% 3.2000% 3.4000% 3.4583%
* Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
1 Eligible for rate increase with one add-on of $1,000 or more of new money.
2 Eligible for rate increase with two add-ons of $1,000 or more of new money.

  • APY = Annual Percentage Yield
  • Your savings are federally insured to $100,000 by the National Credit Union Administration, a U.S. government agency. The NCUA insures retirement accounts to $250,000. Additional coverage for IRAs from $250,000 to $500,000 is provided by American Share Insurance, a private insurer.
  • Refer to Service and Pricing sheet for charges which may be imposed.
  • Pricing subject to change without notice.
  • New money is money which is not previously on deposit at American First Credit Union.





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