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Open a Flexible Certificate Account Today!

With a Flexible Certificate Account you get the perfect blend of high rates and consistent access. The Flexible Certificate Account at America First Credit Union is a 12-month Certificate Account that allows you penalty-free access (quarterly) to any or all of your money during the first 5 calendar days of each quarter. Please note that flexible certificates can only be opened over the phone, in a branch, or through secure chat in online banking.


  • High Yield
  • Minimum opening deposit $500
  • Automatic renewal option
  • Additional deposits up to $10,000 per month (Each member is limited to deposits of $100,000 in any one or combination of Flexible Certificate accounts.)
  • One penalty-free withdrawal quarterly
  • Total deposits in Flexible Certificates not to exceed $100,000 per member


View our Rate & Fee Schedule

Saving is Essential

From putting aside funds for a rainy day to long-term investments, America First has the product for you, no matter your life stage.