Certificates
Put money you're saving for later to work with a Certificate account. Lock in a fixed dividend rate for your chosen term and enjoy predictable earnings while your savings grow.
Account Features
Lock in a fixed dividend rate and earn predictable returns over the certificate term you choose.
- Earn dividends with no maximum balance limit
- Dividend rate is fixed for the full certificate term
- $500 minimum opening deposit
- Flexible certificate terms from 3 to 60 months
Need something other than 12, 24, or 36 months? Give us a call and we'll help you explore your options.
Certificate Earnings Calculator
See how your savings could grow with our free Certificate Calculator. Enter your deposit amount, term, and interest rate to estimate your potential earnings.
| Term | Dividend Rate | APY*2 |
|---|---|---|
| 3-5 months | 3.210% | 3.26% |
| 6-11 months | 3.598% | 3.66% |
| 12-17 months | 3.695% | 3.76% |
| 18-23 months | 3.501% | 3.56% |
| 24-29 months | 3.550% | 3.61% |
| 30-35 months | 3.598% | 3.66% |
| 36-41 months | 3.598% | 3.66% |
| 42-47 months | 3.550% | 3.61% |
| 48-53 months | 3.550% | 3.61% |
| 54-60 months | 3.453% | 3.51% |
Certificates - AACU Certificate of Deposit FAQs
- Locations & ATMs
Find an AACU branch, shared branch location, or one of thousands of surcharge-free ATMs across the U.S. and Canada.
- Meet With A Financial Coach
You deserve answers to all your financial questions. If it's important to you, it's important to us! Let's talk about your goals!
- Deposit Rates
Compare current checking, savings, certificate, and IRA rates in one place.
- Explore More Accounts
Looking for a different way to save? Explore all our savings accounts and find an option that matches your goals.
1 A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply.
Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.