Plan for your unique future.
Whatever your goals for retirement are, we’re here to help you get there. AmFirst accepts transfers, rollovers, and even lump sum distributions from other qualifying retirement plans. We offer both Traditional and Roth IRAs, and give you a variety of earning options through share accounts and share certificates. Contribute, and watch those contributions grow over time.
Traditional and Roth IRAs
Share accounts pay dividends quarterly
Share certificates pay dividends for a specified term and rate
Insured by the NCUA up to $250,000
Traditional IRAs usually allow for tax-deductible contributions. You’ll get the tax benefits now, in a reduction to your taxable income. Contribution limits and tax-deductions depend on income and other participation. Penalties can apply for early or unqualified withdrawals.
Roth IRAs usually allow for tax-free earnings. You’ll get the tax benefits later, as your account earns dividends. Contribution limits and tax-free earnings depend on income and other participation. Penalties can apply for early or unqualified withdrawals.
Whatever your goals are, we're here to help you reach them. Call or drop by a branch today to talk retirement.
View rates
Low rates. Generous terms. Reasonable payments. That’s our AmFirst promise.
Retirement age
Calculation assumes that the year you retire, you don't make contributions. If you retire at 67, the calculation assumes your last contribution is at 66.
Inflation
Calculation assumes a 2.9% rate of inflation. This is a common measure of inflation in the U.S. is the Consumer Price Index (CPI). From 1925 through 2018 the CPI has a long-term average of 2.9% annually.
Social Security
Social Security benefits are not considered for this calculation. Social Security is based on a sliding scale depending on your income, how long you work and at what age you retire.
Pensions
Pensions are not considered for this calculation.
Rate of return
Interest compounds monthly. The interest rate specified in calculator is used to calculate your return on savings and investments during and after retirement.
Disclosure
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Rates effective as of: October 11, 2026
*Annual Percentage Yield **Flex Rate: Deposit a minimum of $500 into an AmFirst FlexRate Certificate and lock in one of the best rates around. If rates go up any time during the term of your certificate, just drop by your nearest AmFirst branch and increase the rate on your certificate. (Limit one rate increase during the original term of the certificate.) A new certificate will be issued for the same term as the original certificate. Available to qualified members only. Member savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the federal government. Individual Retirement Accounts are federally insured up to an additional $250,000 by the National Credit Union Administration. Rates and terms are subject to change without notice. Substantial penalty for early withdrawal. Rates are accurate as of today, and are subject to change weekly. Dividends: We will pay this rate from the date of issue until the Original Maturity Date disclosed above. In the event that a Share Certificate renewed for any successive period(s), it will earn dividends at the prevailing rate then in effect. On accounts with maturities longer than one month, you will be notified in advance of the renewal, and we will tell you when the rate will be known for any subsequent renewal period. The annual percentage yield (APY) assumes that dividends remain in the account until maturity. A withdrawal of dividends will reduce your earnings. If you close this account before dividends are paid, you will receive the accrued dividends subject to the early withdrawal penalty. Dividend Computation Method: Dividends are computed using the Daily Balance Method which applies a daily periodic rate to the balance in the account each day. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account. Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated above. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned and may be subject to a fee, or your account may be closed. Subsequent Renewals: This account will automatically renew for successive periods equal to the original term beginning on each maturity date. You will have a grace period of 10 calendar days after maturity to withdraw funds without a penalty. If you do not wish to automatically renew this account, you must either notify us in writing before any maturity date, or within 10 days thereafter, or close this account at maturity or within 10 calendar days. Early Withdrawal Penalty: If any account owner requests a full or partial withdrawal of principal prior to any maturity date, unless caused by the death or incapacity of an account owner, and we agree to allow the early withdrawal, you will be subject to a penalty equal to the lesser of all accrued dividends as calculated from the Issue Date, or 90 days dividends, 180 days dividends or 240 days dividends based upon the maturity schedule below. Certificate Term: Early Withdrawal Penalty 3 months to 12 months: The lesser of 90 days dividends or all dividends accrued to date; 13 to 48 months: The lesser of 180 days dividends or all dividends accrued to date; 49 to 60 months: The lesser of 240 days dividends or all dividends accrued to date. See the Plan disclosure if this account is part of an IRA or other tax qualified plan.
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Please use your online banking credentials to begin the application process.
It’s easy to become a member and begin to take advantage of our wonderful products,  services; as well as the other benefits we offer.
You will need the following information in order to complete the application:
Verifying your identity.
Federal law requires all financial institutions to obtain, verify, and record information identifying each person who opens an account. When you apply, we’ll ask for your name, address, date of birth, and Social Security number, and we may ask to see your driver’s license or another form of identification. This helps us confirm you are who you say you are.
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MAKE A PAYMENT
Starting on January 1, 2023, there will be an $8.00 transaction fee for loan payments when members pay with a debit card.
If you are making a loan payment using your checking account and routing number (ACH) there will continue to be no transaction fee. Also, there will continue to be no transaction fee if you are using the transfer function in Online Banking to make a payment.
For questions, please give us a call at 205-320-4000.
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Open an Account
Through our ITMs, you can access your account with the assistance of a video teller without the necessity of entering a branch to make the following transactions:
Our ITM video tellers work from our local Contact Center and can provide the same great service you receive inside our branches. Service hours are 7:00 am – 6:00 pm, Monday through Friday. Most ITMs function as ATMs during non-business hours.
*Annual Percentage Yield $5.00 minimum requirement to open a Share Account. $100.00 minimum average daily balance required to earn a dividend. Rates effective as of today, and subject to change quarterly. Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by the credit union board of directors. Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow the same pattern of dates. The dividend declaration period is the last day of the dividend period, and for this example would be March 31. Minimum Balance Requirements: The minimum balance required to open this account is the purchase of a $5.00 share in the credit union. You must maintain a minimum balance of $5.00 in your account to avoid a service fee. If, during any month, your account falls below the required minimum daily balance, your account will be subject to a par value fee, which currently is $5.00. You must maintain a minimum average daily balance of $250.00 in your account to obtain the disclosed annual percentage yield. Balance Computation Method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. Accrual of Dividends: Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account. Transaction Limitations: Funds may not be withdrawn from this account through an ATM, ITM, Debit Card, or ACH transaction. During any calendar month you may not make more than six withdrawals from or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic transfer, telephonic order or instruction, check, draft, debit card, or similar order to a third party. If you exceed these limitations the transaction may be denied, an item presented for payment will be returned and may be subject to a fee, or your account may be closed. Nature of Dividends: Dividends are paid from the current income and available earnings, after required transfers to reserves at the end of a dividend period.
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Columbus Day Closure Notice All AmFirst branches will be closed on Monday, October 12, in observance of Columbus Day. Digital banking will remain available.
