Its best CD

4.60%

APY for 5 years, as of Nov 8, 2026. #18 of 98 at that term.

5 CDs, 1 IRA CD

America First CD rates

Every CD we track from America First, by term, with each term’s place among the CDs we track and its terms of business.

Checked Nov 8, 2026Updated Nov 8, 2026

At each term

Its best rates

3 months3.95%Not ranked
6 months4.00%#38 of 143
1 year4.05%#57 of 176
18 months4.10%#34 of 107
2 years4.50%#22 of 134
30 months4.35%Not ranked
3 years4.40%#19 of 98
4 years4.45%Not ranked
5 years4.60%#18 of 98

Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.

Every CD

Its CDs, by term

Bump-Rate Certificates

5 years4.45%#98 of 98

Early withdrawal penalty: Up to 1 year: 60 days of interest
Over 1 year: 180 days of interest
americafirst.com, checked Nov 8, 2026
Minimum to open: $500americafirst.com, checked Nov 8, 2026
Grace period at maturity: 10 daysamericafirst.com, checked Nov 8, 2026
Interest compounds: monthlyamericafirst.com, checked Nov 8, 2026
Membership: Membership required:
Active and retired U.S. military and veterans with valid military ID.
americafirst.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

Certificate Accounts

Early withdrawal penalty: Up to 1 year: 60 days of interest
Over 1 year: 180 days of interest
americafirst.com, checked Nov 8, 2026
Minimum to open: $500americafirst.com, checked Nov 8, 2026
Grace period at maturity: 10 daysamericafirst.com, checked Nov 8, 2026
Interest compounds: monthlyamericafirst.com, checked Nov 8, 2026
Membership: Membership required:
Active and retired U.S. military and veterans with valid military ID.
americafirst.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

Dedicated Savings

3 months3.95%—

6 months4.00%#38 of 143

1 year4.05%#57 of 176

18 months4.10%#34 of 107

2 years4.50%#22 of 134

30 months4.35%—

3 years4.40%#19 of 98

4 years4.45%—

5 years4.60%#18 of 98

Early withdrawal penalty: Up to 1 year: 60 days of interest
Over 1 year: 180 days of interest
americafirst.com, checked Nov 8, 2026
Minimum to open: Noneamericafirst.com, checked Nov 8, 2026
Grace period at maturity: 10 daysamericafirst.com, checked Nov 8, 2026
Interest compounds: monthlyamericafirst.com, checked Nov 8, 2026
Membership: Membership required:
Active and retired U.S. military and veterans with valid military ID.
americafirst.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

Flexible Certificates

1 year3.80%#80 of 176

Early withdrawal penalty: Up to 1 year: 60 days of interest
Over 1 year: 180 days of interest
americafirst.com, checked Nov 8, 2026
Minimum to open: $500americafirst.com, checked Nov 8, 2026
Grace period at maturity: 10 daysamericafirst.com, checked Nov 8, 2026
Interest compounds: monthlyamericafirst.com, checked Nov 8, 2026
Membership: Membership required:
Active and retired U.S. military and veterans with valid military ID.
americafirst.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

Regular Certificate

3 months3.95%—

6 months4.00%#36 of 143

1 year4.05%#56 of 176

18 months4.10%#33 of 107

2 years4.50%#21 of 134

30 months4.35%—

3 years4.40%#18 of 98

4 years4.45%—

5 years4.60%#16 of 98

Early withdrawal penalty: Up to 1 year: 60 days of interest
Over 1 year: 180 days of interest
wwwapps.americafirst.com, checked Nov 8, 2026
Minimum to open: $500americafirst.com, checked Nov 8, 2026
Grace period at maturity: 10 dayswwwapps.americafirst.com, checked Nov 8, 2026
Interest compounds: Dividends will be compounded and credited as set forth herein.wwwapps.americafirst.com, checked Nov 8, 2026
Membership: Membership required:
Active and retired U.S. military and veterans with valid military ID.
americafirst.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

IRA Certificate – 60 Months

IRA

5 years4.60%—

Minimum to open: $500americafirst.com, checked Nov 8, 2026
Early withdrawal penalty: Early-withdrawal penalties may apply.americafirst.com, checked Nov 8, 2026
Interest compounds: Dividends are credited monthly.americafirst.com, checked Nov 8, 2026
Membership: Membership required:
Active and retired U.S. military and veterans with valid military ID.
americafirst.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake

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