A Traditional Savings Account for Your Business
- $50 opening deposit
- $500 minimum balance to earn APY
- Earn competitive interest
- No monthly service fee with any Business Checking account^
To open your account at a branch, download and complete the business account application and bring it in to an American First branch.
Business Savings Rates
As of 07/10/2025
Account
Opening Deposit
Minimum Balance for APY
Dividend Rate
APY
Business Savings
$50
$500*
$10,000
0.05%
0.05%
0.05%
0.05%
APY = Annual Percentage Yield. ^Monthly Business Savings fee of $10 is waived with any secondary American First account. 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.
Business Certificate Specials
As of 07/10/2025
If you’re looking to earn a better rate on your deposit, a Business Share Certificate from American First Credit Union is a great option.
Term
Opening Deposit
Dividend Rate
APY
13 Month Promo Certificate*
$1,000
2.96%
3.00%
22 Month Promo Certificate*
$1,000
3.20%
3.25%
48 Month Promo Certificate**
$1,000
3.44%
3.50%
*13-month and 22-month promotion: Requires funds transferred from other financial institution(s). 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.
**48-month promotion: Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution. 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.
Business Share Certificates
As of 07/10/2025
Term
Opening Deposit
Dividend Rate
APY
3 Month
$1,000
0.55%
0.55%
6 Month
$1,000
0.70%
0.70%
12 Month
$1,000
0.90%
0.90%
24 Month
$1,000
1.19%
1.20%
36 Month
$1,000
1.29%
1.30%
48 Month
$1,000
1.34%
1.35%
60 Month
$1,000
1.49%
1.50%
