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In order to get started, select an account that works for you.

Easy Interest Checking

Earn interest with the convenience of direct deposit and automatic payments.

Competitive interest earning account
No minimum balance requirements
No monthly service fees
Early ACH
Free Credit Score (with registration in online or mobile banking) including score simulator and debt analysis
Send Money with Zelle
uChoose Rewards available with registration for all debit card transactions

Preferred Interest Checking

Keep your balance above $1,500 and you can earn more interest each month.

Higher interest rate with a balance of $1,500 or more
No monthly service fee with a daily minimum balance of $1,500 or more
Competitive interest earnings if balance falls below $1,500
Early ACH
Free Credit Score (with registration in online or mobile banking) including score simulator and debt analysis
Send Money with Zelle
uChoose Rewards available with registration for all debit card transactions

50 Interest Checking

The perfect account for members 50 years and over.

Competitive interest earning account
No minimum balance requirements
No monthly service fees
Early ACH
Free Credit Score (with registration in online or mobile banking) including score simulator and debt analysis
Send Money with Zelle
uChoose Rewards available with registration for all debit card transactions

Totally Free Checking

An account with all the features you're looking for, and it's totally free too.

No monthly service fees
No minimum balance requirements
Free first order of personalized checks
Early ACH
Free Credit Score (with registration in online or mobile banking) including score simulator and debt analysis
Send Money with Zelle
uChoose Rewards available with registration for all debit card transactions

Regular Savings

A traditional savings account you can trust.

Earn interest on balances of $500 or more*
Safe way to save for special occasions or daily expenses
Available funds can be used for overdraft protection

Big Prize Savings

A savings account that lets you build smart savings habits while also giving you the opportunity to win cash prizes.

Earn chances to win cash prizes up to $50,000
Keep at least $500 in your account every day and you’re automatically entered to win
Earn competitive interest on balances over $500

Holiday Club

Save during the year and get an automatic payout in November, just in time for the Holidays.

Earn more interest than a regular savings account
Access your earning just in time for seasonal shopping activities
Open an account for just $5

Goal Setter

An account built to help you set money aside and save for a particular event or purchase.

Easy way to save money by separating funds into a specific account
Choose a special name for your Goal Setter
Earn more interest with balances of $500 or more

Direct Deposit Certificate Builder

An investment account that allows you to start saving money with a higher variable rate than a regular savings, as you build towards a fixed-rate certificate.

Maximize earnings with a great rate and build up to $1,000
Start with just $10
No monthly service fees

Premium Money Market

Build your savings faster while maintaining convenient access to your funds.

4 Rate tiers based on your balance
$2,500 Minimum deposit
Perfect for saving for those larger life goals

Certificate of Deposit

Earn a better rate on your deposit with share certificates that offer a better return than traditional savings accounts.

Earn more with your high-interest rate compounded daily
Only $1,000 minimum deposit to open
Terms range from 3 months to 5 years

Certificate Specials

If you’re looking to earn a better rate on your deposit, a promotional share certificate from American First Credit Union is a great option. We offer a better return than traditional accounts at the same $1,000 minimum deposit entry-point. Requires funds transferred from other financial institution(s).

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