Much like a bank CD, certificates let you store your money for a fixed amount of time, earning you higher returns than a typical checking or savings account.
Hurry! This industry leading rate is only available for a limited time!1
A lot can happen in a year and a half. A new family member, a new home or planning for your dream vacation. Our 18-month certificate offers short-term flexibility and long-term stability to help you save for these important milestones. With rates up to 4.65% APY*, you’ll be prepared for every new step of life’s journey.
Term | Annual Percentage Yield | Platinum APY* | Minimum to Earn Dividends | Minimum Opening Balance |
---|---|---|---|---|
Term 18 Month | Annual Percentage Yield 4.55% | Platinum APY* 4.65% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
What makes one of ACFCU’s certificate accounts a great choice for smart savers? While each is designed for specific needs, they all offer great benefits.
You’ll earn more on your money than in a typical savings account
Your money is insured by NCUA
With automatic renewal options at maturity, your savings continue working for you
Save for a down payment on a home, your upcoming retirement, or that next vacation. Share Certificates (and IRA Certificates for members with retirement accounts) are low-risk, high-yield, and term-friendly.
Term | Annual Percentage Yield | Platinum APY* | Minimum to Earn Dividends | Minimum Opening Balance |
---|---|---|---|---|
Term 6 Month | Annual Percentage Yield 4.65% | Platinum APY* 4.75% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 12 Month | Annual Percentage Yield 4.65% | Platinum APY* 4.75% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 15 Month | Annual Percentage Yield 4.45% | Platinum APY* 4.55% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 15 Month (No Penalty!)2 | Annual Percentage Yield 4.35% | Platinum APY* 4.45% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 18 Month | Annual Percentage Yield 4.55% | Platinum APY* 4.65% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 24 Month | Annual Percentage Yield 4.05% | Platinum APY* 4.15% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 36 Month | Annual Percentage Yield 3.85% | Platinum APY* 3.95% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 48 Month | Annual Percentage Yield 3.90% | Platinum APY* 4.00% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Term 60 Month | Annual Percentage Yield 3.90% | Platinum APY* 4.00% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Kick-start your nest egg with a low-minimum Share Builder Certificate—and add to it. Early withdrawal fees help hold you accountable for your future and avoid life’s little temptations.
Term | Annual Percentage Yield | Minimum to Earn Dividends | Minimum Opening Balance |
---|---|---|---|
Term 12 Month | Annual Percentage Yield 4.65% | Minimum to Earn Dividends $25.00 | Minimum Opening Balance $25.00 |
A bigger deposit means bigger dividends—it’s that simple. Our Jumbo Share Certificates offer a boosted yield that can help pad everything you’ve already saved up.
Term | Annual Percentage Yield | Platinum APY* | Minimum to Earn Dividends | Minimum Opening Balance |
---|---|---|---|---|
Term 6 Month | Annual Percentage Yield 4.65% | Platinum APY* 4.75% | Minimum to Earn Dividends $100,000.00 | Minimum Opening Balance $100,000.00 |
Term 12 Month | Annual Percentage Yield 4.65% | Platinum APY* 4.75% | Minimum to Earn Dividends $100,000.00 | Minimum Opening Balance $100,000.00 |
Term 24 Month | Annual Percentage Yield 4.05% | Platinum APY* 4.15% | Minimum to Earn Dividends $100,000.00 | Minimum Opening Balance $100,000.00 |
As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.
We’re here to help our members—and neighbors—meet their financial goals and live their best lives.
We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.
We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.
*APY = Annual Percentage Yield.
All Certificates: A penalty for early withdrawal may be imposed. Fees may reduce earnings. Rates effective as of March 29, 2024. Rates are subject to change without notice. Membership eligibility requirements apply. Federally Insured by NCUA.
Share & IRA Certificates: Minimum to earn dividends: $500.
Jumbo Certificates: Minimum to earn dividends: $100,000.
Platinum Certificates: APYs are .10% higher. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.
Share Builder Certificate: Deposits can be added at any time during the certificate program.
1Based on Bankrate’s ‘Best CD Rates for March 2024’ 1.5 month term products [bankrate.com/banking/cds/cd-rates], accurate as of March 26, 2024.
2Not eligible for IRA certificates.
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