New Money Advantage Share Certificates
Save with these special share certificates with money new to A+FCU.
Get A Great Rate
Take advantage of the benefits of membership plus higher dividend rates with these special promotional certificates with new money to A+FCU.
- Multiple terms available
- Fixed dividend rate
- Automatic renewal on maturity
19-Month Certificate‡
$1,000 minimum balance, $1,000,000 maximum balance.
APY*
4.10%†
$1,000,000 maximum balance allowed across all New Money Advantage Certificates.
37-Month Certificate‡
$1,000 minimum balance, $1,000,000 maximum balance.
APY*
3.90%†
$1,000,000 maximum balance allowed across all New Money Advantage Certificates.
Not A Member?
Click the button below to join A+FCU through our easy online application > Select the certificate you want to open > Apply Now > Submit your application.
Current Members
Open your new certificate online through A+ Online Banking. Log in and from the menu, click Open & Apply > Open Additional Shares.
*APY = Annual Percentage Yield. †Rates effective 2.18.2025 and are subject to change without notice.
‡Money must be new to A+FCU. Programs, rates, terms, and conditions are subject to change without notice. Penalty may be assessed for early withdrawal. Cannot use PlusPoints for New Money Advantage Share Certificates. At maturity, 19-month certificate will automatically renew for an 18-month term and 37-month certificate will automatically renew for a 36-month term.
Membership required. Insured by NCUA. New members must open a Membership Savings Account. $10 minimum opening deposit required for Membership Savings. New accounts screened through ChexSystems. Person must have US SSN/ITIN.
StartUP Certificate
Earn 5.00% APY on up to $1,000 for 12 months. Use your PlusPoints to increase the dividend rate by an additional 0.25%.
Minimum Balance
$10
Share Certificates
Enjoy terms from 6 to 60 months and redeem your PlusPoints to increase the dividend rate by an additional 0.25%.
Minimum Balance
$1,000
Plus Advantage Certificates
Take advantage of a one-time boost in the dividend rate should rates go up. Redeem your PlusPoints to increase the dividend rate by an additional 0.25%.
Minimum Balance
$1,000
Rates & Resources
To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.
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Join The A+FCU Family
Joining is easy and comes not only with a wide variety of money-saving products tailored to fit your needs, but also exclusive member-only benefits.