Open a Ladder Certificate Account Today!
Ladder certificate accounts offer long-term rates while retaining access to a portion of your money.
The most popular ladder option has five certificates in 1-, 2-, 3-, 4- & 5-year terms. When each account matures, it renews to the longest ladder term. After five years, you’ll have five certificates, and the highest dividends, with one maturing every year.
You can start by logging in to online banking and clicking Open a Certificate Account in the Quick Links box, or you can visit any America First branch, call Member Service, or use secure chat in online banking.
| Example At Opening |
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1-year certificate account with $500 |
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2-year certificate account with $500 |
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3-year certificate account with $500 |
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4-year certificate account with $500 |
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5-year certificate account with $500 |
| Example After 1 Year |
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2-year certificate account with $500 maturing in 1 year |
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3-year certificate account with $500 maturing in 2 year |
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4-year certificate account with $500 maturing in 3 year |
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5-year certificate account with $500 maturing in 4 year |
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5-year certificate account with $500 maturing in 5 year |
| Example After 5 Year |
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5-year certificate account with $500 maturing in 1 year |
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5-year certificate account with $500 maturing in 2 year |
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5-year certificate account with $500 maturing in 3 year |
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5-year certificate account with $500 maturing in 4 year |
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5-year certificate account with $500 maturing in 5 year |
You can ladder your certificate accounts in different terms and different number of certificate accounts if you prefer. For example you could ladder 3-month, 6-month, and 9-month Certificate Accounts with the goal of getting consistent 9-month rates while retaining 3-month flexibility on a third of your money.
| TERM | APY | DIVIDEND RATE | MIN. OPENING BALANCE | MIN. EARNING BALANCE |
|---|---|---|---|---|
| 3-5 Months | 4.35% | 4.27% | $500.00 | $500.00 |
| 6-11 Months | 4.35% | 4.27% | $500.00 | $500.00 |
| 12-17 Months | 4.35% | 4.27% | $500.00 | $500.00 |
| 18-23 Months | 4.10% | 4.03% | $500.00 | $500.00 |
| 24-29 Months | 4.10% | 4.03% | $500.00 | $500.00 |
| 30-35 Months | 4.10% | 4.03% | $500.00 | $500.00 |
| 36-47 Months | 4.15% | 4.07% | $500.00 | $500.00 |
| 48-59 Months | 4.20% | 4.12% | $500.00 | $500.00 |
| 60 Months | 4.20% | 4.12% | $500.00 | $500.00 |
| APY = Annual Percentage Yield. Early-withdrawal penalties may apply. Dividends are credited monthly. Maintenance or activity fees could reduce the earnings on the account. No minimum balance is required for Dedicated Savings. Flexible Certificates and Dedicated Savings allow additional deposits of up to $10,000 each calendar month. Each member is limited to $100,000 in any one or combination of Flexible Certificate accounts, and $100,000 in any one or combination of Dedicated Savings accounts. Rates and terms are accurate as of Wednesday, April 23, 2025 and are subject to change. | ||||
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