Save More. Earn More. 

Open an account today and watch your money grow with us.


Getting Ready for the Big Dreams

Certificates are a good choice for longer-term saving. When you have a little time before you need your money, these accounts offer competitive yields that are higher than Regular Savings.

Open your Certificate with as little as $1,000 for the term that meets your needs. Certificate terms range from 3 to 60 months, where your funds are earning dividends until the Certificate matures and funds are available to you.

Direct Deposit Certificate Builder

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!

Certificate Term Comparison       Effective as of 6/1/17

Account Period
Opening Deposit
Dividend Rate
3 month $1,000 0.35% 0.35%
6 month $1,000
0.55% 0.55%
12 month $1,000
0.90% 0.90%
24 month $1,000
1.20% 1.21%
36 month $1,000 1.40% 1.41%
48 month  $1,000 1.50% 1.51%
60 month $1,000 1.85% 1.87%

Need Help With Your Certificates?

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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.

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.