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  America First Credit Union Flexible Certificate Account

America First Credit Union Flexible Certificate Account

in CD Accounts from America First Credit Union · ncua

Unaffiliated

America First Credit Union Flexible Certificate Account

Unaffiliated

in CD Accounts from America First Credit Union · Insured by NCUA

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Highlights
Minimum Opening Deposit Starting at $500
Certificate Term 12 months
APY (Annual Percentage Yield) 0.30%

America First Credit Union Flexible Certificate Account Review

America First Credit Union Flexible Certificate Account is offered by America First Credit Union, a credit union founded in 1985 and based in Salt Lake City, UT. America First Credit Union Flexible Certificate Account is available in 4 states across the USA.

Key Takeaways
  • Only one CD account type available. America First CD only offers traditional CD accounts.
  • Very high APY. This account offers an annual percentage yield of up to 0.30%, which is much higher than the national average for a certificate account.
  • $500 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
  • Limited selection of CD terms. America First CD only offers one CD terms. This limits your options when trying to set up a certificate ladder.
Pros & Cons of America First Credit Union Flexible Certificate Account
Pros Cons
  • Insured by NCUA.
  • High-dividend yield
  • No charge on incoming domestic or international wire transfers.
  • Only available in 4 states.
  • Poor selection of certificate terms.
  • There isn't a no-penalty certificate option.
  • Does not offer an IRA CD.
America First Credit Union Flexible Certificate Account FAQ

Are cd accounts from America First Credit Union federally insured?

Yes, your America First Credit Union cd accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does America First Credit Union offer?

America First CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate i you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or rolling over the CD for another term.

What CD rates does America First Credit Union offer on its CDs?

The CD rates for this account have an APY of0.30% (APY stands for annual percentage yield, rates may change).

What terms does America First CD offer?

America First Credit Union offers CD terms of the following lengths:
America First Credit Union Flexible Certificate Account Rates & Terms
Description
12-Month APY 0.30%
APY (Annual Percentage Yield) 0.30%

What is the minimum deposit to open a CD account with America First Credit Union?

America First CD requires a minimum deposit of $500 to open an account.

What is the grace period for America First CD?

There is a 10-day grace period for America First CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 10-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does America First CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

America First Credit Union does not charge an early withdrawal fee.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 4 states
  • Arizona
  • Idaho
  • Nevada
  • Utah

Feature Breakdown

No Early Withdrawal Fee
Minimum Opening Deposit Starting at $500
12-Month APY 0.30%
APY (Annual Percentage Yield) 0.30%
CD Accounts Traditional
Grace Period for Account Changes 10 days
Certificate Term 12 months

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