Credit union · NCUA insured
AmFirst CD Rates
Top CarrotAmFirst’s best CD rate is 4.05% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 5, 2026.
How AmFirst’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where AmFirst has the most branches. $10,000, best rate first.
This credit union’s best
AmFirst
4.05%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $439
Share Certificates
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
AmFirst CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.05%
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 AmFirst 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 Certificates
Up to 4.05%APY · 11 terms
Available to qualified members only. Federally insured up to $250,000 by NCUA. Minimum deposit of $500. Dividends paid monthly, quarterly, or at maturity. Substantial penalty for early withdrawal. Automatically renews at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 3.75% | $92 |
| 6 months | 3.55% | $176 |
| 9 months | 3.45% | $258 |
| 12 months | 3.50% | $350 |
| 13 months13 Month Special | 4.05% | $439 |
| 18 months | 3.40% | $514 |
| 24 months | 3.20% | $650 |
| 30 months | 2.50% | $637 |
| 36 monthsFlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate | 3.15% | $975 |
| 48 monthsFlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate | 3.25% | $1,365 |
| 60 monthsFlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.05%APY · 11 terms
Traditional and Roth IRAs available. Insured by NCUA up to $250,000 in addition to regular accounts. Available to qualified members only. Minimum deposit of $500. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 3.75% | $92 |
| 6 months | 3.55% | $176 |
| 9 months | 3.45% | $258 |
| 12 months | 3.50% | $350 |
| 13 months13 Month Special | 4.05% | $439 |
| 18 months | 3.40% | $514 |
| 24 months | 3.20% | $650 |
| 30 months | 2.50% | $637 |
| 36 monthsFlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate | 3.15% | $975 |
| 48 monthsFlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate | 3.25% | $1,365 |
| 60 monthsFlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Who can join AmFirst
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bibb, Blount, Calhoun, Chilton, Coosa, Cullman, Jefferson, Shelby, St. Clair, Talladega, Tallapoosa, or Walker counties, or certain areas of Mobile, are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires opening a Share Savings account with a minimum deposit / share purchase of $5.00.
Membership information collected October 4, 2026.