Credit union · NCUA insured
American First Credit Union Savings Rates
American First Credit Union’s best savings rate is 0.15% APY on $10,000, with its Direct Deposit Certificate Builder. Rates checked October 16, 2026.
How American First Credit Union’s savings 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
0.15%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $15
Direct Deposit Certificate Builder
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
American First Credit Union savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Money Market
Up to 0.10%APY
Balances under $2,500 are subject to monthly service fees. Refer to Schedule of Fees & Services for details. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upBalances under $2,500 are subject to monthly service fees. | 0.07% | $7 | Balances under $2,500 are subject to monthly service fees. |
| $10,000 and up | 0.10% | $10 | |
| $50,000 and up | 0.20% | — | |
| $100,000 and up | 0.25% | — |
Sources (2)
All captured Oct 16, 2026
Direct Deposit Certificate Builder
0.15%APY
Requires direct deposit or automatic transfer of at least $10 per week. If no direct deposits/automatic transfers occur during a 60-day period, or if balance falls below $10, the account will be closed and early closure fee may apply. When balance reaches $1,000, funds may be transferred to a 12-month Term Share (Certificate) Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMust maintain a minimum daily balance of $10 each day to obtain APY. No monthly service fee.$10 and up | 0.15% | $15 | Must maintain a minimum daily balance of $10 each day to obtain APY. No monthly service fee. |
Sources (2)
All captured Oct 6, 2026
Big Prize Savings
0.05%APY
Must be 18 years of age or older. Keep at least $500 average monthly daily balance to be automatically entered into monthly ($1,000), quarterly ($10,000), and annual ($50,000) prize drawings. Earn additional entries for every $25 saved over $500. Exclusions apply for credit union employees and families. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upStandard dividend rate applies with a minimum balance of $500. Balances of $3,000 or more earn disclosed rate.$500 and up | 0.05% | $5 | Standard dividend rate applies with a minimum balance of $500. Balances of $3,000 or more earn disclosed rate. |
Goal Setter Savings
0.05%APY
Dedicated savings account to save for a particular event or purchase and name after your goal. Balances under $500 minimum daily balance are subject to monthly service fees unless having other qualifying accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upRequires minimum average daily balance of $500 to earn APY. Balances under $500 subject to monthly service fees.$500 and up | 0.05% | $5 | Requires minimum average daily balance of $500 to earn APY. Balances under $500 subject to monthly service fees. |
Regular Savings
0.05%APY
Membership savings account. Must maintain a minimum daily balance of $500 in the account or have other savings/checking accounts to avoid monthly service fee. Optional overdraft protection linked to checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upRequires minimum average daily balance of $500 to earn APY. Balances under $500 subject to monthly service fees.$500 and up | 0.05% | $5 | Requires minimum average daily balance of $500 to earn APY. Balances under $500 subject to monthly service fees. |
Special-purpose accounts
Holiday Club Savings
0.25%APY
Full balance is automatically transferred to checking or savings on November 1. Funds available for withdrawal Nov. 1 to Dec. 31 without fee; withdrawals before Nov. 1 subject to a $10 fee. No minimum balance required to avoid monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires minimum average daily balance of $5 to earn APY.$5 and up | 0.25% | $25 | Requires minimum average daily balance of $5 to earn APY. |
Safari Club
0.25%APY
Designed for children age 12 or younger. Automatically converts to Start Smart savings account when member reaches age 13. $5 minimum deposit required to open and maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAge 12 or younger. Requires minimum balance of $5 to earn APY.$5 and up | 0.25% | $25 | Age 12 or younger. Requires minimum balance of $5 to earn APY. |
Start Smart Savings
0.25%APY
Designed for teens ages 13 to 17. Automatically converts to Regular Savings account when member reaches age 18. $5 minimum deposit required to open and maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAges 13 to 17. Requires minimum balance of $5 to earn APY.$5 and up | 0.25% | $25 | Ages 13 to 17. Requires minimum balance of $5 to earn APY. |
IRA Savings
0.05%APY
Available as Traditional IRA, Roth IRA, or Coverdell ESA. $10 IRA Maintenance fee per year. Can be opened as a Savings Account or Certificate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance to earn APY is $500. $10 IRA maintenance fee per year.$500 and up | 0.05% | $5 | Minimum balance to earn APY is $500. $10 IRA maintenance fee per year. |
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.