If you're saving for a specific timeframe, our certificate accounts are the smart choice to help your finances grow. They’re simple to set up, have low minimum opening balances & offer competitive dividends.

If you're nearing retirement and want an individual retirement account with a higher dividend rate, consider America First's IRA certificates.

Bump-rate certificates give you a second chance to get a great rate. These accounts allow you to increase your rate one time during the term of your certificate. You decide when you want to bump it up.

If you know a large expense is coming up—such as a family vacation, your spouse’s birthday or the holidays—a dedicated savings certificate makes it easy to start planning now. America First offers competitive dividends and flexible terms, so your funds will earn more as your goal gets near.

With flexible certificates, you get the perfect blend of high rates and consistent access. This 12-month certificate offers penalty-free access to your funds during the first five calendar days of each quarter.

Laddering your certificate accounts allows you to ultimately get long-term rates while consistently retaining access to a portion of your money.