Earn a Better Rate With a Higher Balance
Money Market accounts allow you to build your savings faster while maintaining convenient access to your funds. They’re perfect when you want to save for those larger life-goals and still want to be able to get to your money when you need to. Our Money Market accounts feature four rate tiers based on your balance.
- $2,500 to $9,999.99
- $10,000 to $49,999.99
- $50,000 to $99,999.99
- $100,000 or more
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Earn Higher Rates
As of 12/21/2024
Account
Opening Deposit
Minimum Balance for APY
Dividend Rate
APY
Premium Money Market
$2,500
$2,500
$10,000
$50,000
$100,000
0.07%
0.10%
0.20%
0.25%
0.07%
0.10%
0.20%
0.25%
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%
Preferred Interest Checking
$50
$0.01 - $1,499.99
$1,500* and up
0.05%
0.10%
0.05%
0.10%
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 and $1,500 minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. Fees may reduce earnings.
Money Market Rates vs. Certificate Specials
As of 12/21/2024
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
3.44%
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.
Money Market Rates vs. Certificate Rates
As of 12/21/2024
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%
