We Can Help Your Money Grow Faster
If you’re looking to earn a better rate on your deposit, a share certificate from American First Credit Union is a great option. With rates that offer a better return than traditional savings accounts and only a $1,000 minimum deposit, share certificates also give you control over the length of your term.
- It takes less than 5 minutes to open
- Only $1,000 minimum deposit to open
- Terms range from 3 months to 5 years
- Open your Traditional, Roth, or Coverdell IRA as a Certificate Account
- Other financial institutions compound interest monthly, but you'll be earning more with your high-interest rate compounded daily
- Your funds are federally insured up to $250,000 by NCUA
- You can borrow against your secured funds as a Certificate Secured Loan
Select the Share Certificate you wish to open (blue + icon on the right)
Open an Account
Already an Existing Member?
Under "Open an Account" click on "Apply for a New Account here"
Then select the "Certificate Account" tab and choose the Share Certificate you wish to open
Certificate Specials
As of 05/07/2024
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
3.92%
4.00%
*13-month, 22-month, and 48-month promotion: Requires funds transferred from other financial institution(s). 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.
Our Certificate Rates
As of 05/07/2024
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%
