American First Credit Union Money Market Deposit Account: $1000 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 $1000 bonus.

Update 9/2/26: You can currently earn up to $1000 bonus through 9/30/26!

• New customer offer: here’s how to earn up to $1,000.
• A smart savings strategy starts with a strong foundation. Sign up with code STACK and deposit $10,000 or more to secure your welcome bonus while earning top rates.
• Earn an extra bonus on top when you split your qualifying total balance between a savings account and a CD.
• Customers will receive a Welcome Bonus of:
  • $40 for depositing between $10,000 and $24,999;
  • $100 for depositing between $25,000 and $49,999;
  • $200 for depositing between $50,000 and $99,999;
  • $425 for depositing between $100,000 and $199,999; and
  • $900 for depositing $200,000 or more.
• Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
• Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between;
  • $10,000–$24,999 receive an additional $10;
  • $25,000–$49,999 receive an additional $25;
  • $50,000–$99,999 receive an additional $50;
  • $100,000–$199,999 receive an additional $75; and
  • $200,000 or more receive an additional $100.
• Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms.

Terms:

• New customers only. Earn a cash bonus (the “Welcome Bonus”) when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the customer will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period.
• Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
• For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.
• The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, your first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, and the promo code STACK 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 of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, 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!