Save automatically with every purchase.
It’s easy to forget to transfer to your savings account. With our Pocket Change automatic savings, purchases made with a debit card are rounded up to the next whole dollar amount. The difference is automatically transferred from your checking account into your Pocket Change Account. Earn higher rates on the first $750.
Automatic savings by rounding up debit card purchases
Never forget to save again
Higher rates on the first $750 in the account (Check Rates)
Requires a checking account with debit card
Let’s say you spend $10.01 at your favorite coffee shop. We round up to $11.00, and $.99 cents are transferred to your account. After coffee, you stop by the gas station and spend $20.00 to fill up your car. We round up to the next whole dollar amount to transfer into your Pocket Change account. The total of the round-up amounts will appear as a single transfer from your checking account to your savings account at the end of the day.
Rates effective as of: October 11, 2026
*Annual Percentage Yield Rates effective as of today, and is subject to change after the account is opened. Rate Information: The dividend rate and annual percentage yield may change every quarter as determined by AmFirst’s 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. If you close your account before dividends are credited to your account, you will not receive accrued dividends. Minimum Balance Requirements: There is no minimum balance required to open this account. You must maintain a minimum average daily balance of $.01 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 funds are deposited into your account. Transaction Limitations: Deposits into this account may only be made by Pocket Change transfers from Debit Card transactions. Debit Card transactions are rounded up to the nearest whole dollar amount and the difference is deposited to your Pocket Change account at the end of each day. If a transaction amount is already a whole dollar amount, one dollar will be rounded up and deposited to your Pocket Change account. 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 current income and available earnings, after required transfers to reserves at the end of a dividend period.
Open your automatic savings account online, by calling 205-320-4000, or by stopping by a branch.
Low rates. Generous terms. Reasonable payments. That’s our AmFirst promise.
Certain restrictions apply. Available to qualifying members only. Checking account subject to credit approval. Balances over $750.00 earn dividends at the regular share rate.
*All AmFirst share accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
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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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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.
