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Share Certificate Accounts

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

Our Certificate Rates

As of 08/11/2020

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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