American First Credit Union Money Market Review: $1000 Bonus + 3.90% APY (Nationwide)

American First Credit Union is offering residents nationwide a 3.90% APY + up to $1000 bonus when you open a Money Market Deposit Account.

Update 9/2/26: You can currently earn up to $1000 bonus through 9/30/26!

• New customer offer: here’s how to earn up to $1,000.
• A smart savings strategy starts with a strong foundation. Sign up with code STACK and deposit $10,000 or more to secure your welcome bonus while earning top rates.
• Earn an extra bonus on top when you split your qualifying total balance between a savings account and a CD.
• Customers will receive a Welcome Bonus of:
  • $40 for depositing between $10,000 and $24,999;
  • $100 for depositing between $25,000 and $49,999;
  • $200 for depositing between $50,000 and $99,999;
  • $425 for depositing between $100,000 and $199,999; and
  • $900 for depositing $200,000 or more.
• Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
• Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between;
  • $10,000–$24,999 receive an additional $10;
  • $25,000–$49,999 receive an additional $25;
  • $50,000–$99,999 receive an additional $50;
  • $100,000–$199,999 receive an additional $75; and
  • $200,000 or more receive an additional $100.
• Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms.

Terms:

• New customers only. Earn a cash bonus (the “Welcome Bonus”) when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the customer will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period.
• Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
• For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.
• The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, your first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

American First Credit Union Money Market Deposit Review

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.

I’ll review the American First Credit Union Money Market Deposit account below.

American First Credit Union Money Market Deposit Rate

To easily earn American First Credit Union’s competitive rate, start by opening a High-yield Money Market Deposit Account (MMDA).

• Eligible account: Money Market Deposit Account
• Credit inquiry: Hard Pull or Soft Pull? Let us know
• Where it’s available: Nationwide
• Opening Deposit: $1
• Monthly fee: None
• Early Termination Fee: Not listed

(NCUA Insured)

How to Earn Rate

1. Open a new account with a minimum opening deposit of $1.
2. Fill out your personal information – Provide your name, address, phone, email and social security number or Tax ID.
3. Fund the account/transfer funds – Transfer funds electronically from an internal account here or an external account at another bank.
4. Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.

Account Features

• Federally insured by NCUA. No fees. $1 minimum to open.
• 24/7 online access to funds.

Conclusion

Building a savings during this time in day has gained a lot of importance. Build your savings and emergency fund with this account offering a high, competitive rate.

Let us know about your experience with this bank and comment below.

In addition to the rate, check out our list of best rates Savings, Money Market, and CD accounts.

• Best Savings/Money Market rates
• Best CD Account rates

If you are interested in expanding your financial future, definitely use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.