Share Certificates

Earn Higher Rates - You Pick Your Term

If you're looking for a way to earn more on your savings, a Share Certificate is a great way to save for a goal. Share Certificates offer higher dividend rates than regular savings accounts, which means you earn more dividends than what a basic savings account offers.


  • $1,000 minimum opening deposit
  • Terms from 90 days to 60 months
  • Dividend compounds daily
  • Dividend payments paid monthly and at maturity
  • 7 calendar day grace period where you may change the term, balance or make withdrawals without a penalty
  • NCUA Insured
  • Competitive rates and personal service
14-Month Certificate Anniversary Special
Existing Members:  Ask for your rate bonus special on a 14-Month Certificate

Open a Certificate 

Certificate Term Comparison       Effective as of 1/1/18

Account Period
Opening Deposit
Dividend Rate
3 month $1,000 0.45% 0.45%
6 month $1,000

0.65% 0.65%
12 month $1,000

1.00% 1.00%

14 month $1,000 - $6,500 0.90%  0.90% 
24 month $1,000

1.20% 1.21%
36 month $1,000 1.40% 1.41%
48 month  $1,000 1.60% 1.61%
60 month $1,000 2.00% 2.02%

Direct Deposit Certificate Builder

a financial consultant helping a couple with their certificates

Savings Made Easy

Our Direct Deposit Certificate Builder is a great way to save toward a Certificate. Here’s how it works: Save regularly through Direct Deposit and earn a higher yield than regular savings. Start today by choosing:

$10 minimum opening deposit, or Automatic deposits of $10 or more per week.

Then, when you've saved $1,000, your account will convert to a Certificate, which pays even higher dividends. Let your dreams begin!

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* Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. 14-Month Certificate: Annual Percentage Yield (APY) is accurate as of 01/01/18 and subject to change daily without notice. Anniversary Share Certificate rate bonus is one-time at account opening. One Anniversary Share Certificate per member with an established membership. A penalty may be charged for early withdrawals, if any are made. Fees could reduce principal on the account. Minimum Deposit to open is $1,000 and Maximum Deposit is $6,500.

A membership account can be opened to receive these and other services. A one-time $5 individual membership fee may apply to become a member of American First Credit Union. Membership is open to individuals who live, work, worship or attend school in Orange County or in the 16 qualified cities in southern California, work at an affinity group, or are members of the Children’s Museum of La Habra. Each family member is eligible to open an individual membership account.