Build your savings with flexible Share Certificate options designed to fit your goals. Choose from terms ranging from 3 to 60 months with only a $1,000 minimum opening deposit and enjoy competitive dividend rates, predictable growth, and secure returns you can count on.
Secure one of our top certificate rates for a limited time with flexible terms and guaranteed growth.
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Grow your savings confidently with fixed returns and flexible certificate options built around your goals.
Get the most out of your money with our Certificate Specials. With Certificate specials you can take advantage of everything our regular share certificates offer with higher rates. Available terms noted below:
Requires funds transferred from other financial institution(s).
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The Certificate Builder is a savings account that builds towards the Share Certificate $1,000 minimum via direct deposit - and once that minimum is met the certificate is opened automatically! Just set it, forget it and watch the earnings roll in.
Term
Opening Deposit
Dividend Rate
APY
13 Month Promo Certificate*
$1,000
2.96%
3.00%
22 Month Promo Certificate*1
$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. Early withdrawal penalty will be equal to one-half of the term’s dividends on the amount withdrawn, whether earned or not, and may reduce principal. No maximum deposit.
122-month promotion: Available for personal accounts only.
**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. Early withdrawal penalty will be equal to one-half of the term’s dividends on the amount withdrawn, whether earned or not, and may reduce principal. No maximum deposit.
As of 06/12/2026
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%
*Deposit accounts federally insured to $250,000 by NCUA, a U.S. Government Agency. Certificate Specials are Limited Time Only. *APY = Annual Percentage Yield. APY as of 1/1/24. (Offer subject to change without notice). A one-time $5 membership fee applies for new members. Funds withdrawn before the Term's maturity will be assessed a penalty. The early withdrawal penalty will be equal to one-half of the term's dividends on the amount withdrawn, whether earned or not, and may reduce the principal. The minimum deposit is $1,000. No maximum deposit. Must live, work, or worship in Orange, Riverside, or San Bernardino County or in 14 qualified cities in Southern California. Visit amerfirst.org for details.
As of 06/12/2026
Account
Opening Deposit
Minimum Balance for APY
Dividend Rate
APY
Direct Deposit Certificate Builder
$10
$10
0.15%
0.15%
APY = Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period. Fees may reduce earnings.
