Rates effective as of May 1, 2025, and are subject to change.

Open an Account

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.

Summit Business Checking

Deposit Range	Rate	APY*
$10,000 to $25,000	0.55%	0.55%
$25,001 to $50,000	0.65%	0.65%
$50,001 to $100,000	0.75%	0.75%
$100,001+	2.01%	2.03%

*Certain terms & restrictions apply. The minimum balance required to open this account is $10,000.  If average daily balance falls below $10,000, a $10 fee will apply. Fees may reduce earnings. To obtain the disclosed APY, you must maintain an average daily balance of at least $100,000 each dividend period. This account is subject to tiered variable rates.  For detailed rates, visit https://www.myacfcu.org/Rates/Savings-Rates. No transaction limitations are required for this account. For full terms and conditions, visit https://www.myacfcu.org/About-Us/Disclosures.

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.

Celebrate Savings May Certificate Specials**

Term	Minimum	New Money	Rate	APY*	Direct Deposit Rate	Direct Deposit APY*
9 month	$1,000	N/A	4.17%	4.25%	N/A	N/A
9 month	$5,000	New Money	4.22%	4.30%	4.27%	4.35%
9 month	$10,000	New Money	4.27%	4.35%	4.31%	4.40%
9 month	$15,000	New Money	4.31%	4.40%	4.36%	4.45%
9 month	$20,000+	New Money	4.36%	4.45%	4.41%	4.50%
25 month	$1,000	N/A	3.93%	4.00%	N/A	N/A
25 month	$5,000	New Money	3.98%	4.05%	4.025%	4.10%
25 month	$10,000	New Money	4.025%	4.10%	4.07%	4.15%
25 month	$15,000	New Money	4.07%	4.15%	4.12%	4.20%
25 month	$20,000+	New Money	4.12%	4.20%	4.17%	4.25%

 Certificates and IRA Certificates

Term	Rate	APY*
3 Month Certificate	3.93%	4.00%
6 Month Certificate	3.93%	4.00%
9 Month SPECIAL**	SEE MAY SPECIAL**	SEE MAY SPECIAL**
12 Month Certificate	3.69%	3.75%
18 Month Certificate	3.40%	3.45%
24 Month Certificate	3.40%	3.45%
25 Month SPECIAL**	SEE MAY SPECIAL**	SEE MAY SPECIAL**
30 Month Certificate	3.40%	3.45%
36 Month Certificate	3.45%	3.51%
48 Month Certificate	3.45%	3.51%
60 Month Certificate	3.45%	3.51%
72 Month Certificate	3.45%	3.51%

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

Open An Account

*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. $1,000 minimum deposit to receive listed APY with no extra basis points. $5,000 minimum deposit to receive extra basis points with NEW MONEY ONLY. Certain terms & restrictions apply. Early withdrawal penalty may apply. Fees may reduce earnings. Offers for new money deposits cannot be combined. Direct deposit must be combined with at least $5,000 new money deposit & established within 90 days. Bonus 5 basis points will only be added once direct deposit is confirmed. Limited time only & subject to change. Term, interest rate, & APY accurate as of May 1, 2025.

***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 12.23.24