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Moneyline and Branch ATMs will be unavailable from 10:00pm on Wednesday, 8/12 until 4:00am on Thursday, 8/13. We apologize for the inconvenience and appreciate your patience. For 24/7 assistance, call us at 800.290.1112.

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Savings Products

Save Your Way

Whether you’re looking for a savings account with the highest rate of return or an innovative savings account with chances to win big, we’ve got you covered. We know our members have different savings priorities throughout their lives, so we give you options along the way. Save the way you want, when you want, with us.

Choose the Way You Save

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Savings Accounts
Savings Accounts

American First offers several accounts that allow you to earn interest and build your savings toward a specific goal.

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Certificate Accounts
Certificate Accounts

Open a term share certificate account to help you grow your funds at a better interest rate with terms you set.

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Premium Money Market
Premium Money Market

Open a term share certificate account to help you grow your funds at a better interest rate with terms you set. Get rewarded with tiered interest rates based on your balance, with convenient access to your money when you need it most.

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Individual Retirement Accounts
Individual Retirement Accounts

Choose the retirement account that will allow you to save the way you want for when your working days are over. Or take advantage of tax-deferred savings for your dependent’s qualified education expenses.

Savings & Money Market Account Rates

As of 08/13/2020

Account

Opening Deposit

Minimum Balance for APY

Dividend Rate

APY

Big Prize Savings

$25
$25

$500
$3,000

0.10%
0.10%

0.10%
0.10%

Regular Savings

$50
$50

$500
$3,000

0.10%
0.10%

0.10%
0.10%

Safari Club (Age 12 or Younger)

$5

$5

0.25%

0.25%

Start Smart Savings (Ages 13 to 17)

$5

$5

0.25%

0.25%

Holiday Club Savings

$5

$5

0.25%

0.25%

Goal Setter Savings

$50
$50

$500
$3,000

0.10%
0.10%

0.10%
0.10%

Premium Money Market

$2,000

$2,500
$10,000
$50,000
$100,000

0.10%
0.10%
0.20%
0.30%

0.10%
0.10%
0.20%
0.30%

IRA Savings

$50

$500

0.10%

0.10%

Direct Deposit Certificate Builder

$10

$10

0.20%

0.20%

Goal Setter Savings

$50
$50

$500
$3,000

0.10%
0.10%

0.10%
0.10%

APY = Annual Percentage Yield. Balances under minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details.

Share Certificate Rates

As of 08/13/2020

Term

Opening Deposit

Dividend Rate

APY

3 Month

$1,000

0.25%

0.25%

6 Month

$1,000

0.60%

0.60%

12 Month

$1,000

0.75%

0.75%

24 Month

$1,000

0.95%

0.95%

36 Month

$1,000

0.95%

0.95%

48 Month

$1,000

1.09%

1.10%

60 Month

$1,000

1.19%

1.20%

The minimum deposit to open and earn stated Annual Percentage Yield (APY) on share certificates at American First Credit Union is $1,000. Rates subject to change at any time. Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. No maximum deposit. 

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