APY Ledger

America First Credit Union CD & Share Certificate Rates — October 2026

Also known as America First, AFCU.

As of October 22, 2026, America First Credit Union's highest CD (share certificate) rate is 4.45% APY on a 60-month CD ($500 minimum). That is 3.2 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.80% to 4.45% APY.

Last verified from www.americafirst.com · NCUA-insured credit union · Riverdale, UT

Tracking began .

Best APY4.45%60 months, $500 min
vs. Treasury−0.56%same-term Treasury 5.01%
vs. national average3.2×FDIC national average 1.41%
After inflation0.71%CPI 3.7% year over year
$10,000 earns$2,432over 60 months, before tax

America First Credit Union CD & share certificate rates

America First Credit Union CD rates
TermProductMinimumAPYvs. Treasury
3 months Bump-rate Certificate Account $500 3.80%Verified October 22, 2026 −0.50%
6 months Bump-rate Certificate Account $500 3.85%Verified October 22, 2026 −0.55%
12 months Bump-rate Certificate Account $500 3.90%Verified October 22, 2026 −0.67%
18 months Bump-rate Certificate Account $500 3.95%Verified October 22, 2026 −0.77%
24 months Bump-rate Certificate Account $500 4.35%Verified October 22, 2026 −0.52%
30 months Bump-rate Certificate Account $500 4.20%Verified October 22, 2026 −0.71%
36 months Bump-rate Certificate Account $500 4.25%Verified October 22, 2026 −0.70%
48 months Bump-rate Certificate Account $500 4.30%Verified October 22, 2026 −0.68%
60 months Bump-rate Certificate Account $500 4.45%Verified October 22, 2026 −0.56%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are America First Credit Union's best CD rates by term?

America First Credit Union's best rate is 4.45% APY on 60 months, verified October 22, 2026.

  1. 3 mo3.80%
  2. 6 mo3.85%
  3. 12 mo3.90%
  4. 18 mo3.95%
  5. 24 mo4.35%
  6. 30 mo4.20%
  7. 36 mo4.25%
  8. 48 mo4.30%
  9. 60 mo4.45%

Calculate earnings at 4.45% for 60 months

How America First Credit Union compares

Rate changes

No changes since we started tracking America First Credit Union on October 22, 2026.

About America First Credit Union

Legal name
America First Federal Credit Union
Regulator ID
NCUA 24694
Headquarters
Riverdale, UT
Available in
AZ, CA, ID, NM, NV, UT
Total assets
$26.0 billion
Also known as
America First, AFCU
Website
www.americafirst.com

Source: rates read from https://www.americafirst.com/accounts/certificate-accounts/bump-cd.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at America First Credit Union?

4.45% APY on a 60-month CD, as of October 22, 2026.

What is the minimum deposit for a America First Credit Union CD?

The lowest minimum we found is $500.

How does America First Credit Union's best CD rate compare with Treasury yields?

4.45% APY is −0.56% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.45% a good CD rate?

It is 3.2 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are America First Credit Union CDs insured?

America First Credit Union is a federally insured credit union (NCUA 24694). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at America First Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check America First Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from America First Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with America First Credit Union before opening an account. This page is not financial advice.