America First Credit Union Savings Accounts

America First Credit Union savings accounts are dividend-bearing share accounts designed to grow money safely. The lineup spans Regular Savings (the entry-level share that establishes membership), Money Market (tiered higher yield for larger balances), Youth Savings (joint accounts for members under 18), Holiday Club (seasonal goal-savings), and IRA savings (tax-advantaged retirement deposits). Every account is NCUA insured up to $250,000 per depositor per ownership category and is fully accessible through online and mobile banking with routing number 324377516.

Regular Savings — the share that establishes membership

Regular Savings is the foundational AFCU share account. It opens with a small minimum (commonly $5) that simultaneously funds the share of credit union ownership that makes the depositor a member. The account pays a base dividend rate, has no monthly maintenance fee, and supports unlimited deposits with industry-standard transfer limits on certain electronic withdrawal types per cycle.

Most members use Regular Savings as the parking spot for short-term reserves, the destination for automated payroll splits, and the linked account for overdraft protection on checking. The dividend rate adjusts with the credit union's broader pricing schedule; check the published rate sheet for current figures before placing a large deposit.

Money Market — tiered yield for larger reserves

The AFCU Money Market account is positioned as the higher-yield home for emergency funds and pre-allocation cash. The dividend rate is tiered by balance — the higher the average daily balance, the higher the APY paid that cycle. Members can write a limited number of check-style withdrawals against the account each cycle and may use online transfers freely with the same regulatory limits that apply to all savings.

Money Market is a strong fit for balances that need to stay liquid but earn more than Regular Savings. Members who do not need check-writing on the account often prefer share certificates (CDs) for committed balances, since CDs lock in a known APY for the term.

Youth Savings, Holiday Club, and IRA savings — purpose-built share accounts

1. Youth Savings.Joint accounts for members under 18, with a parent or guardian as joint owner. Many youth accounts include savings-incentive features and graduate to a Free Checking option at the eligible age.
2. Holiday Club.Seasonal goal-savings that funnels small automated deposits across the year and disburses the accumulated balance in time for end-of-year spending. Members set a target amount and the credit union automates the contribution.
3. IRA Savings.Tax-advantaged retirement share account that holds Traditional or Roth IRA contributions. The account pays a dividend rate and can be the funding source for IRA Certificates (CDs) inside the same retirement umbrella.

Savings account essentials at a glance

The four AFCU savings options compared

Overview & Key Features

America First Credit Union Savings is the deposit category covering Regular Savings (the share that establishes membership), Money Market (tiered yield for larger balances), Youth Savings (joint accounts for members under 18), Holiday Club (seasonal goal-savings), and IRA savings (tax-advantaged retirement deposits). All accounts use routing number 324377516, are accessible through online and mobile banking, and carry NCUA insurance up to $250,000 per depositor per ownership category.

• Regular Savings: Low opening minimum, base dividend rate, NCUA insured
• Money Market: Tiered APY by balance, limited check writing, fully liquid
• Youth Savings: Joint account for members under 18, parental joint ownership
• Holiday Club: Automated seasonal goal-savings, annual disbursement
• IRA Savings: Tax-advantaged Traditional or Roth retirement contributions
• Routing Number: 324377516 for ACH and direct deposit funding
• Mobile Transfers: Internal transfers post instantly inside the AFCU app
• NCUA Insurance: $250,000 per depositor per ownership category

People also ask about America First savings

What is the current AFCU savings APY?

Dividend rates for Regular Savings, Money Market, and IRA savings update periodically. The Money Market tier structure pays a higher APY at higher balance bands. Members can see the current rate sheet inside online banking under the Rates section or at any branch.

Can I open AFCU Youth Savings online?

Joint youth accounts can typically be initiated online when the parent or guardian is already an AFCU member; minor identity verification and joint signing may require a branch visit. Branch teams can complete the full opening, including ordering the youth member's first ATM card if applicable.

How do I fund a new AFCU savings account from another bank?

Set up an external ACH transfer inside online banking using the routing number 324377516 and the new account's full number. External ACH typically settles in 1-2 business days; instant funding by debit card or in-branch deposit is an alternative for time-sensitive funding.

Are AFCU savings transfers limited per month?

Industry-standard transfer limits apply to certain electronic and pre-authorized withdrawals from savings per cycle. Members can move money freely in person, at ATMs, and by mail without those limits. Online banking displays remaining transfer count when limits are close to the threshold.