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Certificates

Save For What's Calling You

Answer the call by building your savings & your earnings

Save for those dreams that seem like a distant call by opening a Certificate. A Certificate is a safe way to invest your money for the future. Terms are available from 6 months to 72 months and the longer your term, the higher your interest rate. A minimum deposit of at least $1,000 is required when investing in a Certificate, so this investment is perfect for those big purchases your dream of. 

For Example: earn as high as 0.70% APY* on an 18-month Certificate and 1.10% APY* on a 30-month Certificate.  Minimum deposit is $1,000.

All Certificate dividends are paid monthly. You have the option of dividends compounding within the Certificate or being transferred to another ACFCU account.

Save & Earn in 2022 with a Certificate from ACFCU.

Open an Account    View rates    Savings Calculator

*APY is Annual Percentage Yield.  Early Withdrawal Provisions: We will impose a penalty if you withdraw any of the principal funds before the maturity date. For accounts with a term to maturity equal to or less than 12 months, the penalty imposed will equal 90 days' dividends. For accounts with a term to maturity of 13 months to 36 months, the penalty imposed will equal 180 days' dividends. For accounts with a term to maturity of 37 months to 60 months, the penalty imposed will equal 270 days' dividends. For accounts with a term to maturity of 61 months or greater, the penalty imposed will equal 365 days' dividends.