Credit union · NCUA insured
America First Credit Union CD Rates
Top CarrotAmerica First Credit Union’s best CD rate is 4.60% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How America First Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where America First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
Ladder Certificate Accounts
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Sallie Mae
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
America First Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.60%
- QualifiedQualified4.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where America First Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ladder Certificate Accounts
Up to 4.60%APY · 9 terms
Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 3.95% | $97 |
| 6–11 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.00% | $198 |
| 12–17 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.05% | $405 |
| 18–23 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.10% | $621 |
| 24–29 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.50% | $920 |
| 30–35 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.35% | $1,123 |
| 36–47 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.40% | $1,379 |
| 48–59 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.45% | $1,902 |
| 60 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.60% | $2,522 |
Bump-Rate Certificate Accounts
Up to 4.45%APY · 9 terms
Allows adjusting/increasing the interest rate one time during the certificate term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 3.80% | $94 |
| 6–11 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 3.85% | $191 |
| 12–17 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 3.90% | $390 |
| 18–23 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 3.95% | $598 |
| 24–29 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 4.35% | $889 |
| 30–35 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 4.20% | $1,083 |
| 36–47 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 4.25% | $1,330 |
| 48–59 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 4.30% | $1,834 |
| 60 monthsIncrease rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly | 4.45% | $2,432 |
Sources (2)
- americafirst.com/accounts/certificate-accounts.html
- americafirst.com/accounts/cert…te-accounts/bump-cd.html
All captured Oct 22, 2026
Flexible Certificate Accounts
3.80%APY · 1 term
Penalty-free access to funds during the first five calendar days of each quarter. Only opened over the phone, in a branch, or through secure chat in online banking. Additional deposits up to $10,000 per calendar month allowed, with total deposit limit of $100,000 in one or combination of flexible certificate accounts. Renews as regular certificate after 12 months unless otherwise directed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOne penalty-free withdrawal quarterly during first 5 calendar days of quarter. Additional deposits up to $10,000/month allowed up to $100,000 combined limit. Early-withdrawal penalties apply outside window. Dividends credited monthly | 3.80% | $380 |
Sources (2)
- americafirst.com/accounts/certificate-accounts.html
- americafirst.com/accounts/cert…ccounts/flexible-cd.html
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate Accounts
Up to 4.60%APY · 9 terms
Individual Retirement Account certificate. Offers automatic renewals, NCUA insurance up to $250,000, and bump & ladder options. Traditional and Roth IRAs are available wrappers. Funds must already be in your IRA Accumulator.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 3.95% | $97 |
| 6–11 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.00% | $198 |
| 12–17 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.05% | $405 |
| 18–23 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.10% | $621 |
| 24–29 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.50% | $920 |
| 30–35 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.35% | $1,123 |
| 36–47 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.40% | $1,379 |
| 48–59 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.45% | $1,902 |
| 60 monthsEarly-withdrawal penalties may apply. Dividends credited monthly | 4.60% | $2,522 |
Who can join America First Credit Union
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