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Earn more for your money

Open a share certificate account today

Share Certificates

When it comes to earning you money, we get straight to the point.

If you're looking for a way to earn more on your savings, a Share Certificate is a great way to save. Share Certificates offer higher dividend rates than regular savings accounts, which means you earn more dividends than what a basic savings account offers. Plus, choose your own term from 90 days to 60 months.

Certificate Rates      Effective as of 11/1/2019

Account Period
Opening Deposit
Dividend Rate
3 month $1,000 1.00% 1.00%
6 month $1,000 1.34% 1.35%
7 month
New Money Special*
$1,000 1.73% 1.75%
12 month $1,000 1.59% 1.60%
13 month
New Money Special*
$1,000 1.78% 1.80%
24 month $1,000 1.78% 1.80%
36 month $1,000 1.83% 1.85%
48 month  $1,000 1.93% 1.95%
60 month $1,000 2.03% 2.05%

7-Month Term

Annual Percentage Yield
Limited-Time Only
on New Funds Transferred from
Another Financial Institution


Open Your Account

13-Month Term

Annual Percentage Yield
Limited-Time Only
on New Funds Transferred from
Another Financial Institution


Open Your Account

Certificate Features

  • $1,000 minimum opening deposit
  • Terms from 90 days to 60 months
  • Dividend compounds daily
  • Dividend payments paid monthly and at maturity
  • 7-day grace period (change certificate term, balance or make withdrawals without a penalty)
  • NCUA-insured to at least $250,000 and backed by the full faith and credit of the U.S. government
  • Competitive rates and personal service

Direct Deposit Certificate Builder

a financial consultant helping a couple with their certificates

Savings Made Easy

Our Direct Deposit Certificate Builder is a great way to save toward a Certificate. Here’s how it works: Save regularly through Direct Deposit and earn a higher yield than regular savings. Start today by choosing:

$10 minimum opening deposit, or Automatic deposits of $10 or more per week.

Then, when you've saved $1,000, your account will convert to a Certificate, which pays even higher dividends. Let your dreams begin!

Need Help With Your Certificates?

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*Minimum deposit to open and earn stated Annual Percentage Yield (APY) on share certificates at American First Credit Union is $1,000. APY as of 11/1/19. No maximum deposit. 7-month and 13-month Certificate Specials must be opened with new money not currently on deposit at the Credit Union, or with equal amount of new money combined with existing funds on deposit.  Funds must remain on deposit until maturity to earn the stated APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates subject to change at any time. Limited time only.

A membership account can be opened to receive these and other services. A one-time $5 individual membership fee may apply to become a member of American First Credit Union. Membership is open to individuals who live, work, worship or attend school in Orange County or in the 16 qualified cities in southern California, work at an affinity group, or are members of the Children’s Museum of La Habra. Each family member is eligible to open an individual membership account.