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 3 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
Ready to get started? Open your new account in just 3 minutes or less. It's quick, easy, and secure—start now!
Select the Share Certificate you wish to open
Start Now
Already an Existing Member?
Follow the link above, then select the Log In option next to
"Already Have an Account?" located in the upper right-hand corner.
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.
Our 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%
*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.
