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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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Open A 12 Month Certificate

Lock in a guaranteed rate for 12 months and start growing your savings with confidence today.

 

 

Open A 24 Month Certificate

Grow your savings steadily with a 24 month certificate designed to help you plan ahead with confidence.

 

 

Open A 36 Month Certificate

Build towards your long-term savings goals with a 36 month certificate offering steady growth and peace of mind.

 

Looking for a different certificate term? Give us a call and we'll help you find the right fit.

 719.593.8600 | 800.223.1983

 

 

Table data for Certificates
 Effective as of 06/07/2026
Term Dividend Rate APY* 1 Alert Me
3-5 months 2.960% 3.00% Receive a notification when this rate changes
6-11 months 3.348% 3.40% Receive a notification when this rate changes
12-17 months 3.445% 3.50% Receive a notification when this rate changes
18-23 months 3.251% 3.30% Receive a notification when this rate changes
24-29 months 3.300% 3.35% Receive a notification when this rate changes
30-35 months 3.348% 3.40% Receive a notification when this rate changes
36-41 months 3.348% 3.40% Receive a notification when this rate changes
42-47 months 3.300% 3.35% Receive a notification when this rate changes
48-53 months 3.300% 3.35% Receive a notification when this rate changes
54-60 months 3.203% 3.25% Receive a notification when this rate changes

 

 

Certificate Calculator

Calculate the potential earnings from your certificate account.

 

 

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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.