Credit union · NCUA insured
AmFirst Savings Rates
Top CarrotAmFirst’s best savings rate is 1.10% APY on $10,000, with its AmFirst Money Market Account. Rates checked October 22, 2026.
How AmFirst’s savings 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
1.10%APY
- Requires
- None
- Minimum
- $0.01
- Earns on $10,000 a year
- $110
AmFirst Money Market Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
AmFirst savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0002.35%
- QualifiedQualified1.10%
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 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.
Pocket Change Account
0.25%APY
Requires an AmFirst checking account with debit card. Debit card purchases are rounded up to the nearest whole dollar and transferred daily to Pocket Change account. Balances over $750 earn dividends at the regular share rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $750Applies to balances $0-$750. Minimum average daily balance of $0.01 required to obtain disclosed APY. Dividends compounded and credited quarterly. | 3.00% | — | Applies to balances $0-$750. Minimum average daily balance of $0.01 required to obtain disclosed APY. Dividends compounded and credited quarterly. |
| $750 and upApplies to balances $750 and up. Dividends compounded and credited quarterly. | 0.25% | $25 | Applies to balances $750 and up. Dividends compounded and credited quarterly. |
Sources (2)
All captured Sep 19, 2026
AmFirst Money Market Account
1.10%APY
Dividends are calculated by the average daily balance method and paid monthly. The dividend rate and APY depend upon the tier into which the ending balance falls each day.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 1.00% | — |
| $10,000 – $24,999 | 1.10% | $110 |
| $25,000 – $49,999 | 1.15% | — |
| $50,000 – $99,999 | 1.40% | — |
| $100,000 and up | 2.35% | — |
Sources (2)
All captured Oct 5, 2026
Savings (Share Account)
0.30%APY
Establishes AmFirst credit union membership ($5.00 share purchase required to open). $5.00 par value fee if daily balance falls below $5.00 minimum. Dividends compounded and credited quarterly on average daily balances over $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $9,999Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. | 0.25% | — | Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. |
| $10,000 – $39,999Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. | 0.30% | $30 | Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. |
| $40,000 – $74,999Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. | 0.40% | — | Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. |
| $75,000 and upDividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. | 0.50% | — | Dividends compounded and credited quarterly. Minimum balance to open is $5.00 share purchase. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Account
1.25%APY
Traditional and Roth IRA share account options available. Online account opening is not available; must visit a branch location.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceProspective APY. Compounded and credited quarterly. Deposits limited to IRS annual limits. Must open at a branch.Any balance | 1.25% | $125 | Prospective APY. Compounded and credited quarterly. Deposits limited to IRS annual limits. Must open at a branch. |
Sources (2)
All captured Sep 19, 2026
Christmas Club Savings
0.05%APY
Balances automatically transfer to designated AmFirst account in October. One penalty-free withdrawal per club year; $10.00 fee per additional early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum average daily balance of $100 to obtain disclosed APY. Dividends compounded and credited quarterly.$100 and up | 0.05% | $5 | Must maintain a minimum average daily balance of $100 to obtain disclosed APY. Dividends compounded and credited quarterly. |
Sources (2)
All captured Sep 19, 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.