A Term Share Certificate is a safe way to invest your money for the future. Terms are available from 6 months to 72 months with highly competitive rates. A minimum deposit of at least $1,000 is required when investing in a Term Share Certificate.

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

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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 36months, 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.