American First Credit Union logo

24 month certificate

  • Federally insured by NCUA. No fees. $1 minimum to open.

  • 24/7 online access to funds.

  • {63348c4a4ae2fb0001d6a765-APY} APY 24 month certificate, {63348c4a4ae2fb0001d6a765-APY}{NCUA-2Y-CD-10K} higher than national average

Save now
American First Credit Union logo

24 month certificate

  • Federally insured by NCUA. No fees. $1 minimum to open.

  • 24/7 online access to funds.

  • {63348c4a4ae2fb0001d6a765-APY} APY 24 month certificate, {63348c4a4ae2fb0001d6a765-APY}{NCUA-2Y-CD-10K} higher than national average

Save now

About American First Credit Union

Woman and two kids on bench looking at view

American First Credit Union has a legacy going back 70 years as a not-for-profit financial institution that, at its founding, was dedicated to supporting grocery store workers. American First Credit Union has since undergone waves of change over the years, keeping its heritage in mind while charting a path toward modernization and growth. Today the Southern California-based credit union has expanded its reach while offering the latest in digital banking solutions. Now savers across America have access to American First Credit Union saving products through Raisin.

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Support for Children's Health

Through its Caring First initiative, American First Credit Union supports a host of children's health and wellness programs

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Member-driven

American First is a credit union, meaning it is a not-for-profit institution that operates in support of its members

Community

A Community Pillar

American First Credit Union is known for hosting and sponsoring local community events — raising attention and resources for important causes

Security Is Our Top Priority

National Credit Union Administration

NCUA insured

Savings in American First Credit Union are insured by the NCUA up to the limits of federal law. The standard insurance amount is $250,000 per member, per insured credit union, for each share account ownership category.

Click to learn more about NCUA insurance

Cybersecurity is a top priority at Raisin

SOC2 logo

We invest in a variety of technologies to protect our customer’s data, privacy and transactions. These include multi-factor authentication, encryption, and web application firewall advanced internet protection technologies. We are a SOC 2 certified organization, which means we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers' data secure and private.

Click to learn more about SOC 2 certification

American First Credit Union, Powered by Raisin

Family enjoying outdoor time

American First Credit Union uses the secure Raisin platform to offer savings products to savers nationwide. Customers open accounts at Raisin.com, and the platform manages all aspects of the products offered by American First Credit Union, including a customer's deposits and withdrawals, statements and any customer service needs. In simple terms, Raisin provides you exclusive access to a special selection of American First products. Best of all, Raisin is completely free!

  • Security: Funds deposited into any of the products accessible through Raisin are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.

  • Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.

  • Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.

  • Service: A supportive, accessible, responsive customer service team based in New York, NY, sets Raisin apart.

  • Access: Enjoy 24/7 online access to your account and funds.

Press

Read what the media is saying about Raisin.

  • U.S News

    Deposit Solutions is launching its savings portal in the United States

    Read article

Open an Account in 3-5 Minutes

Select a product

Select

the right product for your savings goals.

Register for a Raisin account

Register

with an email address and password, then verify your identity and bank information.

Add funds

Fund

the savings products you add to your new Raisin account.

FAQs

Secure Messaging Center

Email: support.us@raisin.com

Call: 844-994-EARN (3276) (Monday to Friday from 9:00 a.m. - 4:00 p.m. ET)

The Raisin name and logo are trademarks of Raisin GmbH. All other trademarks, logos, marks, and brand names are the property of their respective owners — used with permission.

© 2024 Raisin GmbH. All rights reserved.

*APY means Annual Percentage Yield. APY is accurate as of {todayDate}. Interest rate and APY may change after initial deposit. Minimum opening deposit is $1.00. Rate multiplier sources: fdic.gov/resources/bankers/national-rates/; https://www.ncua.gov/analysis/cuso-economic-data/credit-union-bank-rates

Raisin is not an FDIC-insured bank or an NCUA-insured credit union, and does not hold any customer funds. Funds deposited through Raisin are exclusively held at federally insured financial institutions. FDIC or NCUA deposit insurance coverage covers the failure of partner banks and credit unions on the Raisin platform.

Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodial Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodial Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered through Raisin.com. Central Bank of Kansas City (CBKC), Member FDIC, d.b.a. Central Payments is the Service Bank. CBKC, Lewis & Clark Bank and Starion Bank, each Member FDIC, are the Custodial Banks.