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Certificate/IRA Rates

Effective: 7/1/2009

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

Minimum deposit to open: $1,000

Account Period Dividend Rate APY
3 month 0.7000% 0.7024%
6 month 0.9500% 0.9545%
12 month 1.2000% 1.2072%
14 month1 1.1000% 1.1061%
24 month 1.4500% 1.4605%
36 month 1.8000% 1.8163%
48 month 2.1000% 2.1221%
60 month 2.3500% 2.3778%
* 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.

  • 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. 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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