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Certificate/IRA Rates

Effective: 5/1/2013

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

Minimum deposit to open: $1,000

Account Period Dividend Rate APY
3 month 0.3000% 0.3004%
6 month 0.4000% 0.4008%
12 month 0.5000% 0.5012%
24 month 0.7000% 0.7024%
36 month 1.1000% 1.1061%
48 month 1.4000% 1.4098%
60 month 1.5500% 1.5620%
* Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings.


  • APY = Annual Percentage Yield
  • Your savings are federally insured to $250,000 by the National Credit Union Administration, a U.S. government agency. The NCUA insures retirement accounts to $250,000.

  • 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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