Mountain peaks with orange

Reach new heights

Open a share certificate account today

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

      White peaks 
      New Heights Certificate  
      Earn 2.50%APY on a new 13-Month Certificate Account on new deposits / new funds^ of $1,000 or more!

      Open Your Account Today.

       ^New Deposits / New Funds is defined as money not currently on deposit with American First Credit Union, or with equal amount of
       new money combined with existing funds on deposit. Ask an associate for details and how you can participate.

Certificate Term Comparison      Effective as of 3/1/2019

Account Period
Opening Deposit
Dividend Rate
3 month $1,000 1.00% 1.00%
6 month $1,000 1.34% 1.35%
12 month $1,000 1.73% 1.75%
24 month $1,000 2.03% 2.05%
36 month $1,000 2.23% 2.25%
48 month  $1,000 2.37% 2.40%
60 month $1,000 2.62% 2.65%

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!

Need Help With Your Certificates?

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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.

*Annual Percentage Yield (APY), subject to change without notice.  Membership eligibility and a one-time $5 lifetime membership fee may apply for new members. See us for details.  A penalty may be imposed for early withdrawals before maturity and after the 7-day grace period. Fees could reduce earnings. 

^Minimum deposit for New Heights Certificate to open and earn stated APY is $1,000. No maximum deposit. Promotional 13-month Certificate must be opened with new money not currently on deposit at the Credit Union, or with equal amount of new money combined with existing funds on deposit.