Save and Win Up to $50,000
Open with just $25. Earn Competitive dividends. No monthly fee. Get automatic entries into monthly, quarterly and annual prize drawings - up to $50,000!
Takes less than 5 minutes. No obligation.
Real Winners. Real Prizes.
Henry B$1,000 Monthly Winner
Craig T$10,000 Quarterly Winner
Skyler H$50,000 Annual Winner
Why Big Prize Savings?
It's a smarter way to save with zero downside.
- No monthly service fee
- Apply online in minutes with just a $25 opening deposit
- Only $500 balance needed to win
- Earn competitive dividends
- Automatic prize entries for every additional $25 you save
- Funds are federally insured
- Did we mention cash prizes?!
$1,000 Winner
Every Month.
$10,000 Winner
Every Quarter.
$50,000 Winner
Every Year.
Meet Skyler
Skyler has been with the credit union since she was an infant -a third generation, life long membership that came to an exciting full circle moment this year when we had the honor of awarding her $50,000 as our Big Prize Savings Annual Winner!
Could you be the next Skyler??
View Our Rates
As of 05/21/2026
Account
Opening Deposit
Minimum Balance for APY
Dividend Rate
APY
Big Prize Savings
$25
$500
$3,000
0.05%
0.05%
0.05%
0.05%
Regular Savings
$50
$500*
$3,000
0.05%
0.05%
0.05%
0.05%
APY=Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period. *Balances under $500 minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. Fees may reduce earnings.
^Must be 18 years of age or older to open a Big Prize Savings Account. $25 opening deposit required. A minimum of $500 average monthly daily balance is required to be eligible for prize drawings. The standard dividend rate applies with a minimum balance of $500. Exclusions for American First employees, volunteers, family members, and their households apply. Personal accounts only. Other exclusions may apply. The Official Big Prize Savings Rules on this site supersede all print, digital, and other marketing material.
Frequently Asked Questions
Everything you need to know about Big Prize Savings.
What is Big Prize Savings?
Big Prize Savings is a special savings account from American First Credit Union that lets you earn competitive dividends on your balance while being automatically entered into prize drawings worth up to $50,000 annually.
How much do I need to open an account?
You can open a Big Prize Savings account with just a $25 deposit.
How do I earn entries into prize drawings?
For every $25 you maintain in your Big Prize Savings account over the qualifying $500, you earn automatic entries into monthly ($1,000), quarterly ($10,000), and annual ($50,000) prize drawings. No action needed — entries are automatic.
Is there a monthly fee?
No. There are no monthly service fees for your Big Prize Savings account. Your savings grow fee-free.
Is my money safe?
Absolutely. Your savings are federally insured by the National Credit Union Administration (NCUA) up to $250,000. Your money is always yours — the prizes are just a bonus.
Who is eligible to open an account?
Individual members of American First Credit Union in good standing are eligible to open up a Big Prize Savings Account. For all eligibility criteria please see the official account and prize entry rules. Not a member yet? You can join and open your account at the same time.
When are winners announced?
Monthly winners are drawn at the end of each month, quarterly winners at the end of each quarter, and the annual grand prize winner is drawn at the end of the year. Winners are notified directly.
