Credit union · NCUA insured
American First Credit Union CD Rates
American First Credit Union’s best CD rate is 1.50% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How American First Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where American First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American First Credit Union
1.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $773
Share Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
American First Credit Union CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.70%
- 9–15 months9–15 mo0.90%
- 16–30 months16–30 mo1.20%
- 31–60 months31–60 mo1.50%
- QualifiedQualified1.50%
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 American 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.
Share Certificate
Up to 1.50%APY · 7 terms
Must live, work, or worship in Orange, Riverside, or San Bernardino County or in 14 qualified cities in Southern California. A one-time $5 membership fee applies for new members. Dividends compounded daily and credited monthly or at maturity. Early withdrawal penalty applies (equal to one-half of the term's dividends on amount withdrawn).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.55% | $14 |
| 6 months | 0.70% | $35 |
| 12 months | 0.90% | $90 |
| 24 months | 1.20% | $241 |
| 36 months | 1.30% | $395 |
| 48 months | 1.35% | $551 |
| 60 months | 1.50% | $773 |
Special-purpose accounts
Certificate Specials
Up to 4.25%APY · 3 terms
Limited time only. Funds must remain on deposit until maturity to earn stated APY. Early withdrawal penalty applies. A one-time $5 membership fee applies for new members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsRequires funds transferred from other financial institution(s). Available for both personal and business accounts | 4.00% | $434 |
| 22 monthsAvailable for personal accounts and IRAs only. Requires funds transferred from other financial institution(s) | 4.10% | $764 |
| 48 monthsFunds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution. Available for personal and business accounts | 4.25% | $1,811 |
IRA Certificate Account
Up to 4.25%APY · 9 terms
Can be opened as a Traditional, Roth, or Coverdell ESA IRA Certificate. $10 IRA maintenance fee per year. Dividends compounded daily and credited monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.55% | $14 |
| 6 months | 0.70% | $35 |
| 12 months | 0.90% | $90 |
| 13 months13 Month Promo Certificate. Requires funds transferred from other financial institution(s) | 4.00% | $434 |
| 22 months22 Month Promo Certificate. Available for personal accounts and IRAs only. Requires funds transferred from other financial institution(s) | 4.10% | $764 |
| 24 months | 1.20% | $241 |
| 36 months | 1.30% | $395 |
| 48 months | 1.35% | $551 |
| 48 months48 Month Promo Certificate. Funds on deposit at AFCU are not eligible for this promotion unless matched with outside (new) funds from another financial institution | 4.25% | $1,811 |
| 60 months | 1.50% | $773 |
Sources (2)
- amerfirst.org/products/savings…ucts/retirement-accounts
- amerfirst.org/uploads/userfile…closure-IRA-Accounts.pdf
All captured Oct 6, 2026
Who can join American First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals and small businesses in Orange, Riverside, and San Bernardino counties, as well as 14 surrounding cities.
Employers and groups
- Membership is extended to employees of over 100 partner companies.
Other ways
- Membership is extended through other community groups.
Membership information collected October 5, 2026.