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Earn More With Great Rates.

Watch Your Savings Grow

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Highly competitive rates on terms up to 5 years and it’s federally insured!
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Terms That Meet Your Needs

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Choose a term and lock in a great rate that’ll meet your savings needs!
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Guaranteed Returns

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You read that right, guaranteed! Once you lock in your rate it won’t change.
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LOW MINIMUM DEPOSIT

Start Saving With Our Flex Certificate

Ideal for young people starting to save, or anyone wanting the best of both worlds. Our Flex Certificate gives you all the benefits of a Certificate with the flexibility of a savings account.

Start saving today with a minimum deposit of $250. Earn a competitive dividend rate over the 12-month term while enjoying a one-time, penalty-free withdrawal!

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MONEY MARKET ACCOUNTS

Another Great Way to Save Money

A Money Market Account allows you to save money faster, with higher rates of return on larger balances, while allowing you to still have access to your cash without penalties.

With greater earning potential through competitive rates and flexibility to use your money when you need it, you’ll have the best of both worlds when you open a Money Market account today.
MONEY MARKET ACCOUNT
MONEY MARKET ACCOUNT

Share Certificate Rates

A risk-free, guaranteed way to earn more on your savings!
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APY = Annual Percentage Yield.

An early withdrawal penalty may apply to share certificates if you withdraw any of the principal before the maturity date.

Account fees could reduce the earnings on the account.

$500 minimum to open regular share certificates. $250 minimum to open a Flex Share Certificate.

7 Month Promo offer may be withdrawn at any time.

All accounts are Federally insured by NCUA.

Certificate Term
Dividend Rate
APY*
Certificate Term
6 Months
Dividend Rate
1.88%
APY*
1.90%
Certificate Term
FLEX - $250 or Greater
Dividend Rate
0.10%
APY*
0.10%
Certificate Term
12 Months
Dividend Rate
2.18%
APY*
2.20%
Certificate Term
18 Months
Dividend Rate
2.33%
APY*
2.35%
Certificate Term
24 Months
Dividend Rate
2.33%
APY*
2.35%
Certificate Term
36 Months
Dividend Rate
2.47%
APY*
2.50%
Certificate Term
48 Months
Dividend Rate
2.52%
APY*
2.55%
Certificate Term
60 Months
Dividend Rate
2.57%
APY*
2.60%
Certificate Term
7 Month Promo
Dividend Rate
4.17%
APY*
4.25%
Certificate Term
13 Month Promo
Dividend Rate
3.93%
APY*
4.00%
Effective November 12, 2024
Certificate Term
Dividend Rate
APY*
Certificate Term
6 Months
Dividend Rate
2.13%
APY*
2.15%
Certificate Term
12 Months
Dividend Rate
2.52%
APY*
2.55%
Certificate Term
18 Months
Dividend Rate
2.57%
APY*
2.60%
Certificate Term
24 Months
Dividend Rate
2.57%
APY*
2.60%
Certificate Term
36 Months
Dividend Rate
2.62%
APY*
2.65%
Certificate Term
48 Months
Dividend Rate
2.67%
APY*
2.70%
Certificate Term
60 Months
Dividend Rate
2.76%
APY*
2.80%
Certificate Term
7 Month Promo
Dividend Rate
4.17%
APY*
4.25%
Certificate Term
13 Month Promo
Dividend Rate
3.93%
APY*
4.00%
Effective November 12, 2024
Certificate Term
Dividend Rate
APY*
Certificate Term
6 Months
Dividend Rate
2.23%
APY*
2.25%
Certificate Term
12 Months
Dividend Rate
2.62%
APY*
2.65%
Certificate Term
18 Months
Dividend Rate
2.67%
APY*
2.70%
Certificate Term
24 Months
Dividend Rate
2.67%
APY*
2.70%
Certificate Term
36 Months
Dividend Rate
2.72%
APY*
2.75%
Certificate Term
48 Months
Dividend Rate
2.76%
APY*
2.80%
Certificate Term
60 Months
Dividend Rate
2.86%
APY*
2.90%
Certificate Term
7 Month Promo
Dividend Rate
4.17%
APY*
4.25%
Certificate Term
13 Month Promo
Dividend Rate
3.93%
APY*
4.00%
Effective November 12, 2024

APY = Annual Percentage Yield.

An early withdrawal penalty may apply to share certificates if you withdraw any of the principal before the maturity date.

Account fees could reduce the earnings on the account.

$500 minimum to open regular share certificates. $250 minimum to open a Flex Share Certificate.

7 Month Promo offer may be withdrawn at any time.

All accounts are Federally insured by NCUA.

VERSATILE

Certificates Work For Everyone

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Save For College
Certificates are a great way to earn more on your savings!
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As A Gift
Open a Certificate for your grandchild and watch the savings grow!
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Your Golden Years
Earn more when it matters the most, with no risk.
No matter your stage of life, Certificates, like CDs, are a great investment option for everyone. With no risk, guaranteed returns, and both short and long terms they’re perfect for anyone looking to earn more on their savings.
APPLY NOW
cheerful young businesswoman
Save For College
Certificates are a great way to earn more on your savings!
2 girls hugging each other
As A Gift
Open a Certificate for your grandchild and watch the savings grow!
two men playing chess at the park
Your Golden Years
Earn more when it matters the most, with no risk.
SUCCESSFUL BUDGETING

Claim your FREE copy!
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What this guide includes:

Free budgeting templates and expert tips.

Money-saving tips and templates to help you manage your monthly budget successfully.

  1. Why you need a budget
  2. Keeping track of your expenses
  3. Setting realistic savings goals 
  4. Ways to stretch your budget
  5. Growing emergency savings 
RISK FREE INVESTMENT

Guaranteed Returns Every Time.

With no risk and guaranteed returns, Certificates are a much better option than storing your money under your mattress! Unlike stocks or other risky investments, Certificates offer you a safe way to earn more on your savings. 

Choose several certificates at different terms and create a laddered or layered approach to Certificate investing. Or choose the one that’s right for you. The longer the term, the higher your earnings.

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All Certificates offer fixed rates, earnings are compounded monthly, are available in terms from 6 months to 5 years and have no setup or maintenance fees.

You can view your Certificates in Online Banking or Mobile Banking 24/7 for free.

You can rest easy knowing your money is working for you.

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FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

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Yes. The penalties for early withdrawal are as follows: 

6 Months: 90 Days' Dividends

12 Months: 120 Days' Dividends

18-24 Months: 180 Days' Dividends

36 Months: 240 Days' Dividends

48 Months: 300 Days' Dividends

60 Months: 360 Days' Dividends

Yes, you need to become a member of ACU to open a Share Certificate. You can become a member at the time you apply for the Certificate..

Nope! Once you lock in your rate, you are guaranteed that it won’t change.

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