America First Credit Union Certificate (CD) Rates

America First Credit Union certificates (CDs) are share certificates that lock a deposit at a fixed dividend rate for a defined term — typically 3 months to 5 years. The minimum opening deposit is $500. AFCU offers standard term certificates, a Bump CD that allows a one-time rate adjustment if rates rise during the term, and IRA Certificates inside the retirement umbrella. All certificates are NCUA insured up to $250,000 per depositor per ownership category.

Standard share certificates — predictable yield for committed funds

A standard AFCU certificate locks the dividend rate at the figure published the day the account opens. The rate does not adjust during the term, so the member knows exactly what the certificate will earn at maturity. Available terms typically include 3-month, 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month options. Longer terms usually pay a higher APY in exchange for the longer commitment.

Standard CDs suit balances that the member is confident will not be needed before the maturity date. Money parked here earns more than a comparable balance in Regular Savings, but withdrawing early triggers a penalty disclosed at opening.

The Bump CD — one-time rate adjustment during the term

The AFCU Bump CD is a share certificate that gives the member a single option to "bump" the certificate's APY to the then-current published rate for that term during the original term. If rates rise after opening, the member can exercise the bump to capture some of the increase without breaking the certificate. The Bump CD typically opens at a slightly lower APY than the equivalent standard CD to compensate for the embedded rate option.

The product is positioned for members who want a longer-term certificate but are concerned that rates may rise meaningfully during the lock-in period. The bump is exercised once per term and only if it benefits the member.

How to open an AFCU certificate

1. Confirm membership.Eligibility is residency in UT, NV, AZ, ID, NM, CA, OR or family of a current member. A small share-membership deposit opens the relationship.
2. Choose the term and product.Decide standard or Bump, pick a term length (3 months to 5 years), and verify the current APY for that term on the rate sheet inside online banking.
3. Fund the certificate ($500 minimum).Transfer from AFCU Regular Savings, Money Market, or push from an external bank via ACH. Funding by debit card or in-branch cash deposit is also available.
4. Receive the truth-in-savings disclosure.The disclosure confirms the APY, term, maturity date, early withdrawal penalty, and grace period rules.
5. Set the maturity instruction.Default behavior is to renew at the then-current rate for the same term. Members can elect to disburse the maturing balance into another account instead.

IRA Certificates — tax-advantaged retirement deposits

AFCU IRA Certificates apply the same term and APY structure as standard certificates but hold the deposit inside a Traditional or Roth IRA wrapper. Contributions follow the IRS annual limit for the applicable tax year. IRA Certificates are NCUA insured separately under the retirement ownership category, which is in addition to single-ownership coverage on non-retirement deposits.

Certificate essentials at a glance

Common AFCU certificate term and rate structure

Posted APY for AFCU certificates moves with market rates and is published on the AFCU rate sheet inside online banking. The pattern below is the typical structure — confirm the current figures before opening.

1. 3-month CD.Short-term parking for funds that may be needed soon. Lower APY than longer terms but minimal lock-in.
2. 6-month CD.A common bridge term between Money Market liquidity and the longer commitment of a 12-month certificate.
3. 12-month CD.The most popular term in retail CD pricing — meaningful APY uplift versus savings while limiting commitment to one year.
4. 24-36 month CD.Intermediate terms that typically carry the highest APY relative to commitment length for many rate cycles.
5. 48-60 month CD.Longest standard term, suited for known long-horizon goals or laddering strategies where one rung of a CD ladder is always nearing maturity.

Overview & Key Features

America First Credit Union Certificates are fixed-term, fixed-rate share certificates (the credit-union equivalent of a bank CD). Terms run 3 months to 5 years with a $500 minimum opening deposit. The lineup includes Standard Certificates, the Bump CD (one-time rate adjustment option), and IRA Certificates inside Traditional or Roth retirement wrappers. All certificates are NCUA insured up to $250,000 per depositor per ownership category and earn dividends from the day of opening.

• Minimum Deposit: $500 to open any standard or Bump CD
• Term Options: 3, 6, 12, 24, 36, 48, and 60 months
• Bump CD: One rate-bump option during the term if posted rates rise
• IRA Certificates: Traditional and Roth wrappers, separate NCUA category
• Maturity: Default renews at current rate; member can elect disbursement
• Early Withdrawal: Penalty disclosed at opening, based on term length
• NCUA Insurance: $250,000 per depositor per ownership category
• Routing Number: 324377516 for ACH funding from external banks

People also ask about AFCU certificates

Can I add money to an AFCU CD after opening?

Standard share certificates are funded once at opening; additional deposits during the term are not generally permitted. The grace period at maturity is the standard window for adding to the balance before the next term begins. Members building a position over time typically open a new certificate for each tranche.

Does AFCU offer jumbo CDs?

AFCU certificates do not require a separate "jumbo" product; the same standard certificate structure accepts larger deposits. Higher balances may qualify for tier pricing inside the rate sheet on certain terms — verify the current rate tiers before placing a large deposit.

What happens at maturity if I do nothing?

By default, AFCU certificates renew automatically at the published rate for the same term length at maturity. Members get a grace period to disburse, change the term, or add funds. The maturity notice issued before the date confirms the renewal default and grace-period window.

How does the Bump CD bump work?

The Bump CD bump is exercised by member request through online banking, by phone, or at a branch during the term. The certificate's APY adjusts to the then-published rate for the same term and the new rate stays in effect through maturity. The bump can be used once per term.