# America First Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/america-first-credit-union
Institution: America First Federal Credit Union (NCUA 24694)
Aliases: America First, AFCU
Status: live
Last verified: 2026-10-22T06:58:02.000Z (October 22, 2026)
Official source: https://www.americafirst.com/accounts/certificate-accounts/bump-cd.html
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Bump-rate Certificate Account | standard | 3 months | $500 | 3.80% | Not ZIP-priced | −0.50% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 6 months | $500 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 12 months | $500 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 18 months | $500 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 24 months | $500 | 4.35% | Not ZIP-priced | −0.52% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 30 months | $500 | 4.20% | Not ZIP-priced | −0.71% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 36 months | $500 | 4.25% | Not ZIP-priced | −0.70% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 48 months | $500 | 4.30% | Not ZIP-priced | −0.68% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |
| Bump-rate Certificate Account | standard | 60 months | $500 | 4.45% | Not ZIP-priced | −0.56% | 2026-10-22T06:58:02.000Z | [Snapshot 147](https://apyledger.com/snapshots/147) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.