Checking/Savings Checking Options Share Draft (Checking) No monthly maintenance fees No minimum balance Unlimited check writing Free MasterCard Debit Card - Available with Surcharge-free ATM access at thousands of Allpoint network locations nationwide Savings Overdraft Protection available Free Online Billpay Free Remote Deposit Savings Options Share Account (Savings) This is your primary account that identifies your membership $5 deposit contributes to your membership and must be maintained at all times. $5 represents your share of America's First Network Credit Union and makes you an owner of America's First Network Credit Union Earns quarterly dividends on average daily balance while allowing immediate access to funds Free MasterCard Debit Card available with Surcharge-free ATM access at thousands of Allpoint network locations nationwide Money Market Account Higher dividend earning account $1000 minimum balance Able to make six withdrawals per month without penalty Share Certificates (CDs) Higher dividend earning account at a fixed rate with a wide array of terms Minimum $500 deposit IRA Accounts Choose from Traditional, Roth or Educational IRAs Higher dividend earning account Tax deferred interest earned $1000 minimum balance Kid Share Accounts Help your children (age 18 and under) build strong savings habits Earns quarterly dividends on average daily balance while allowing immediate access to funds $5 minimum balance Club Accounts Christmas Club or Vacation club options You determine how much you want to save by making deposits directly, direct deposit or automatic transfer No minimum balance Christmas club funds are disbursed the first business day of October G.R.A.D. Account Getting Ready for A Degree (tuition, school supplies, computers, registration fees, etc.) Private school tuition from kindergarten to grade 12 Earn a dividend rate 1% higher than the standard 12 month certificate of deposit H.O.M.E. Account Home Ownership Made Easier (down payment, mortgage payments, inspections, closing costs, attorney’s fees, etc.) Earn a dividend rate 1% higher than the standard 12 month certificate of deposit P.A.C.E. Account Planning Ahead for Cash Emergencies (job loss, illness, birth of child, divorce, etc.) Earn a dividend rate 1% higher than the standard 12 month certificate of deposit H.E.L.P. Account Home Energy Liquidity Plan (heating, oil, gas, electric heat) Earn a dividend rate 1% higher than the standard 12 month certificate of deposit Rates Calculators