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Certificates

 

Account Features

Safely grow money you don't need now by locking in a fixed rate for the term you choose.

  • Earn dividend rates and no maximum balance limit
  • A fixed rate for the term of your certificate
  • Minimum opening deposit of $500
  • Flexible term options from 3 to 60 months

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Table data for Certificates
 Effective as of 04/15/2024
Term Dividend Rate APY* 1 Alert Me
3-5 months 3.929% 4.00% Receive a notification when this rate changes
6-11 months 4.314% 4.40% Receive a notification when this rate changes
12-17 months 4.650% 4.75% Receive a notification when this rate changes
18-23 months 4.218% 4.30% Receive a notification when this rate changes
24-29 months 4.025% 4.10% Receive a notification when this rate changes
30-35 months 4.073% 4.15% Receive a notification when this rate changes
36-41 months 4.073% 4.15% Receive a notification when this rate changes
42-47 months 4.025% 4.10% Receive a notification when this rate changes
48-53 months 4.025% 4.10% Receive a notification when this rate changes
54-60 months 3.929% 4.00% Receive a notification when this rate changes

 

 

Certificate Calculator

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Deposit Rates

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*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. Rates subject to change. Fees may reduce earnings. Restrictions and requirements apply.

Disclosures

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.