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Reaching your financial goals, together.

A Savings Account That Fits You 

Browse your options and start saving today

What are you saving for? A dream vacation, a new car, buying a home, or perhaps just for an emergency. We’ve got you covered with personalized ways to save your cash.  


person saving

Save Better with High Rate Certificates

You don’t need to have huge balances to earn amazing certificate rates. Get a higher rate on your money with just $1,000 and terms as short as 90 days. Plus, your accounts are federally insured up to $250,000 by NCUA.

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Savings Accounts (Membership)

Big Prize Savings Image

Big Prize Savings

A savings account where the more you save, the more you earn chances to win BIG. With a Big Prize Savings account, you may win a $1,000 monthly prize, a $10,000 quarterly prize, and a $50,000 annual grand prize*. Must be 18 years of age to participate. Learn more.

hands holding a piggy bank

Regular Savings

This account is like your secure piggy bank. Just like when you were a kid, whenever you get a few extra dollars, pop them into your Regular Savings account and watch that balance grow.

Youth Accounts 

A young boy putting coins onto his jar of coin collection

Safari Savings Club (Ages 0-12)

With as little as $5, you can open an account in a child's name. You might even want to consider making regular deposits through payroll deduction, so their account grows even faster.

A teenager checking her savings online

Teens Smart Savings Club (Ages 13-17)

For older children, Start Smart is a great savings vehicle – perfect for getting a head start on those college expenses to come! A Start Smart Account can be opened with as little as $5.

Seasonal Savings 

holiday piggy bank

Holiday Club

Every year, you probably wonder how the holidays snuck up on you so quickly, along with all those expenses! Next year, you can be ready. With a Holiday Club account, you put money aside all year and get an automatic payout to your American First Checking or Savings Account in November. Just in time for seasonal shopping and activities!

Savings Product Comparison       Effective as of 6/1/2020

Savings Accounts*
Opening Deposit**
Minimum Balance for APY
Dividend Rate
 Big Prize Savings $25 $500 0.10% 0.10%
   $25  $3,000 0.15% 0.15%
Regular Savings $50 $500 0.10% 0.10%
$50 $3000 0.15% 0.15%
Safari Club (Age 12 or Younger) $5 $5 0.25% 0.25%
Start Smart (Ages 13 - 17) $5 $5 0.25% 0.25%
Holiday Club $5 $5 0.25% 0.25%
Goal Setter $50 $500 0.10% 0.10%

$50 $3000 0.10% 0.10%

Need Help With Your Savings Account?

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*The rate may change after the account is opened and is accurate as of the last dividend declaration period. Fees could reduce earnings. 
**Balances under minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details.

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 or have a family member, or live with, someone who has a current membership account with us. Each family/household member is eligible to open an individual membership account.