Compound Interest Calculator
CD 5-year Account from AMERICA FIRST with 4.30% APY and $500 minimum deposit
Use or Change These Amounts and Rates
The product CD 5-year Account from AMERICA FIRST with 4.30% APY and $500 minimum deposit and a tax rate of 30 compounded annually, with an initial amount of $20,000, after 10 years would have grown your savings to approximately $30,470. The interest earned would be $10,470 and the tax amount on the interest earned would be approximately $3,141.
Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account.
The Results for AMERICA FIRST
Savings Boost of
$5,974 over 10 years
$5,974 over 10 years
Cash Savings
$20,000
Average Interest Earned
$1,355
AMERICA FIRST Interest Earned
$7,329
See comparison detail table
This analysis is for demonstrative purposes only and may change should certain assumptions prove incorrect. Savings rates may change and CD rates may not be renewable for the length of the term of the analysis. The difference between the bank rate entered and the average rate may not remain constant throughout the term.
Comparison Detail Table Close X
Average Rate Scenario
| Rate: 0.93% |
Annual Interest |
Annual Interest (After Tax) |
|
|---|---|---|---|
| 1 | 20,000 | 186 | 130 |
| 2 | 20,186 | 187 | 131 |
| 3 | 20,373 | 189 | 132 |
| 4 | 20,562 | 191 | 134 |
| 5 | 20,753 | 193 | 135 |
| 6 | 20,945 | 194 | 136 |
| 7 | 21,140 | 196 | 137 |
| 8 | 21,336 | 198 | 139 |
| 9 | 21,534 | 200 | 140 |
| 10 | 21,734 | 202 | 141 |
| TOTAL: | $1,935 | $1,355 |
AMERICA FIRST Scenario
| Rate: 4.30% |
Annual Interest |
Annual Interest (After Tax) |
|
|---|---|---|---|
| 1 | 20,000 | 860 | 602 |
| 2 | 20,860 | 897 | 628 |
| 3 | 21,757 | 936 | 655 |
| 4 | 22,693 | 976 | 683 |
| 5 | 23,668 | 1,018 | 712 |
| 6 | 24,686 | 1,061 | 743 |
| 7 | 25,748 | 1,107 | 775 |
| 8 | 26,855 | 1,155 | 808 |
| 9 | 28,009 | 1,204 | 843 |
| 10 | 29,214 | 1,256 | 879 |
| TOTAL: | $10,470 | $7,329 |
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The accounts below offer some of the best rates in the country can be opened online, and are available nationally. As the calculator shows, changing accounts to earn a higher interest rate can really add up over time.
Recent Rate Changes
| Date | APY |
|---|---|
| August 31, 2026 | 4.30% |
| December 12, 2025 | 4.10% |
| December 2, 2025 | 4.15% |
| October 17, 2025 | 4.20% |
| December 9, 2024 | 4.25% |
| November 3, 2023 | 4.20% |
| October 24, 2023 | 4.10% |
| August 20, 2023 | 4.00% |
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
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4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Take your savings to the next level with our 12-month online CD special! 12-Month |
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4.95% |
$10,000 |
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Last change: ↑0.45% on October 1. |
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4.85% |
$10,000 |
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Last change: ↑0.35% on October 1. |
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4.80% |
$10,000 |
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Last change: ↑0.30% on October 1. |
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4.65% |
$1,000 |
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Last change: ↑0.35% on September 25. |
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Customer Reviews for America First
4.7 out of 5 based on 3 ratings
jkihl
February 27, 2020 |
Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable
Is this review helpful? Yes:1 / No: 0
me
January 29, 2020 |
Switched to AF about 5 years ago after previous CU raised minimum rates. Local branch location staff great at remembering customers, great customer service. Not too thrilled with lower rates for savings products and/or higher rates for loan products.
Is this review helpful? Yes:3 / No: 0
Lg shappart
March 27, 2019
Why is America first credit union not matching cd rates at Cyprus and golden west cu on 5 year cd forceing us to change credit unions after 30+ years with America first really disappointed in not being competive.
Is this review helpful? Yes:0 / No: 0
JAClark
March 5, 2019 |
Mrb for 33yrs. 100% OUTSTANDING in every regard!
Is this review helpful? Yes:2 / No: 0
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