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Rates

Rates effective as of May 20, 2024, 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 0.25% 0.25%
$50,000.01 to $100,000.00 0.55% 0.55%
$100,000.01 and over 0.80% 0.80%

*$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 1.00% 1.00%

*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 4.94% 5.05%
9 Month Certificate 4.94% 5.05%
10 Month SPECIAL** 5.32% 5.45%
12 Month Certificate 4.94% 5.05%
18 Month Certificate 4.07% 4.15%
24 Month Certificate 3.45% 3.51%
30 Month Certificate 3.20% 3.25%
36 Month Certificate 3.93% 4.00%
48 Month Certificate 2.96% 3.00%
60 Month Certificate 2.96% 3.00%
72 Month Certificate 2.96% 3.00%
Appy Add-ON 18 Month*** 3.93% 4.00%

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

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*APY is 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 is Annual Percentage Yield.  10 month term.  Limited time only & subject to change.  $1,000 mininum deposit.  Early withdrawal penalty may apply.  Term, interest rate, & APY accurate as of 5.20.24.

***APY is Annual Percentage Yield. 18 month term. Limited time only & subject to change. $1,000 minimum deposit. Add-on deposits do not extend maturity. Early withdrawal penalty may apply. Term, interest rate, & APY accurate as of 2.21.24