American First Credit Union Money Market Deposit Account: $1500 Bonus + 3.90% APY (Nationwide)

A money market account is a combination of the best of savings and checking accounts. If you are interested in opening a new money market account that’s available nationwide, the American First Credit Union Money Market Deposit Account is a great option. This account is currently offering 3.90% APY + up to $1500 bonus.

Update 1/15/26: The rate has decreased to 3.90% APY from 4.00%. You can currently earn up to $1500 bonus through 2/1/26!

• Start earning more with Raisin — including up to a $1,500 cash bonus. Open an account using code HEADSTART by February 1 and make a qualifying deposit. Valid for new customers only.
• Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
• Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
  • Deposit $10,000 – $24,499, earns a $70 cash bonus
  • Deposit $25,000 – $49,999 earns a $175 cash bonus
  • Deposit $50,000 – $99,999 earns a $350 cash bonus
  • Deposit $100,000 – $199,999 earns a $750 cash bonus
  • Deposit $200,000 or more earns a $1,500 cash bonus
• Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.

Terms:

• New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between January 15, 2026, and February 1, 2026, by 11:59 PM ET, and the promo HEADSTART 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 will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 of meeting all qualifying terms. This offer is available to new customers only 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 Account

Here is your opportunity to earn a competitive rate on your funds. Simply, open a new account and start earning interest today!

• Account Type: Money Market Deposit
• Rate Offer: 3.90% APY Rate
• Availability: Nationwide
• Minimum Balance: $1
• Maximum Balance: None
• Credit Inquiry: Hard Pull or Soft Pull? Let us know
• Credit Funding: Unknown
• Monthly Fee: None 
  
• Early Termination Fee: None listed, check with CSR

(FDIC Insured)

Account Rates

American First Credit Union Account Benefits

• Federally insured by NCUA. No fees. $1 minimum to open.
• 24/7 online access to funds.
• Security: Funds deposited into any of the products accessible are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.
• Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.
• Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.
• Service: A supportive, accessible, responsive customer service team based in New York, NY.
• Access: Enjoy 24/7 online access to your account and funds.

Author’s Verdict

Check out this offer from American First Credit Union and open a Money Market Deposit account with an amazing rate! Take advantage of the services they have to offer along with these savings. Let us know about your experience with this bank and comment below.

In addition to the current rate from American First Credit Union, you can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, CIT Bank.

Let us know about your thoughts and experience with this account! Be sure to check back on BankDealGuy for more bank rates!