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Rates effective as of December 1, 2023, and are subject to change.

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Share (Savings)*
Deposit Range Rate APY*
$5.00 to $500.00 No interest No interest
$500.01 to $7,500.00 0.10% 0.10%
$7,500.01 to $50,000.00 0.15% 0.15%
$50,000.01 to $100,000.00 0.20% 0.20%
$100,000.01 and over 0.30% 0.30%

*$5.00 minimum to open or obtain dividend

Other Share Rates
Account Type Deposit Range Rate APY*
Share Club* $5 and over 0.20% 0.20%
IRA Share $5 and over 0.45% 0.45%

*$5.00 minimum to open or obtain dividend

Share Draft (Premier Checking)
Deposit Range Rate APY*
$2,500.01 to $25,000.00 0.10% 0.10%
$25,000.01+ 0.30% 0.30%

$20.00 minimum to open, first order of checks free and free checks for any member 50 years and older. 

Share Draft (Peak Checking)
Deposit Range Rate APY*
$10,000+ average daily balance 3.445% based on qualifying criteria** 3.50% based on qualifying criteria**

**Certain terms & restrictions apply. The minimum balance required to open this account is $20.00. In order to obtain the disclosed APY, you must: (i) maintain an average daily balance of at least $10,000.00 each dividend period; and (ii) have at least fifteen (15) withdrawals or deposits each dividend period that post and clear your account as evidenced by your monthly statement. If qualifications are not met each dividend period, you will receive the disclosed dividend rate of a Premier Checking account.

Money Market Account
Range Rate APY*
$0 to $1,000.00 No interest No interest
$1,000.01 to $15,000.00 0.40% 0.40%
$15,000.01 to $50,000.00 0.40% 0.40%
$50,000.01 to $75,000.00 0.70% 0.70%
$75,000.01 to $100,000.00 0.70% 0.70%
$100,000.01 and over 0.80% 0.80%

*APY = Annual Percentage Yield. The variable rate is subject to change monthly. Minimum to open is $1,000.00. No dividend is paid if balance falls below $1,000.00. Interest will compound in the account, or it can be paid to another account. ACFCU reserves the right to correct any typographical errors in published rates.

 Certificates and IRA Certificates
Term Rate APY*
3 Month Certificate 1.00% 1.00%
6 Month Certificate 1.74% 1.75%
11 Month BUMP SPECIAL** 5.03% 5.15%
12 Month Certificate 2.23% 2.25%
18 Month Certificate 2.72% 2.75%
24 Month Certificate 2.72% 2.75%
30 Month Certificate 2.72% 2.75%
36 Month Certificate 2.96% 3.00%
48 Month Certificate 2.96% 3.00%
60 Month Certificate 3.30% 3.35%
72 Month Certificate 3.30% 3.35%

Minimum Deposit $1,000. Paid monthly. Future rates subject to change weekly.

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*APY=Annual Percentage Yield. Certificate will revert to the prevailing rate at maturity. Interest will compound to the Certificate or will pay to another account. ACFCU reserves the right to correct any typographical errors in published rates.
***APY = Annual Percentage Yield. LIMITED TIME ONLY & SUBJECT TO CHANGE. $1,000 minimum deposit. 11-month term. Once during the term of the 11-month certificate, a member may request a bump up on their original disclosed dividend rate and corresponding annual percentage yield (APY). This means the member's certificate will change to the current posted dividend rate and corresponding APY at the time of the request for the remainder of the term. It is the member's responsibility to monitor dividend rates and APYs and choose if and when to use their bump rate option. Early withdrawal penalties may apply. Fees may reduce earnings. Term, dividend rate, & APY accurate as of 11.01.23. Visit for additional terms and conditions.