

Plus Advantage Certificates
Open a Plus Advantage Certificate to grow your money and get an additional savings boost along the way.
Earn More From The Money You Save
Save smarter with a Plus Advantage Certificate and invest your money in a high-yield account that allows a special one-time increase in the dividend rate should rates go up during your term.
You can also redeem PlusPoints when you open the certificate to increase the dividend rate by an additional 0.25%, and use your PlusPoints again if you decide to take advantage of a rate bump.
12-Month Plus Advantage Certificate
$1,000 Minimum Balance
APY*
4.18%†
24-Month Plus Advantage Certificate
$1,000 Minimum Balance
APY*
3.97%†
36-Month Plus Advantage Certificate
$1,000 Minimum Balance
APY*
3.97%†
60-Month Plus Advantage Certificate
$1,000 Minimum Balance
APY*
3.76%†
Not A Member?
Visit one of our branches or schedule an appointment to open your Share Certificate.
Current Members
Open your new Plus Advantage Certificate online through A+ Online Banking. Log in and from the menu, click Open & Apply > Open Additional Shares.
Plus Advantage Certificates Rates
Term | Minimum Balance | APY* |
---|---|---|
12 month | $1,000 | 4.18%† |
18 month | $1,000 | 4.28%† |
24 month | $1,000 | 3.97%† |
36 month | $1,000 | 3.97%† |
48 month | $1,000 | 3.76%† |
60 month | $1,000 | 3.76%† |
*APY = Annual Percentage Yield. †Rates effective 11.6.2023 and are subject to change without notice.
Membership required. Insured by NCUA. To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change. A penalty may be imposed for early withdrawals. Conditions and restrictions may apply. Subject to change without notice.


High-Dividend New Money Certificates
For a limited time, earn 4.50% APY* on a 19-month share certificate or 4.20% APY* on a 37-month share certificate with money new to A+FCU.
Compare Certificate Options
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.


Budgeting
Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.


Personal Finances
Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.
Related Articles
16 Months Of Financial Tips

Use these monthly financial tips to break down your top financial tasks and to-dos and get on the right path to being financially healthy.
12 Ways To Save Money On Gas

Don’t let rising gas prices keep you at home. Discover little ways to save big at the gas pump.
Beginner’s Guide To Solar Power

Solar power technology can seem complex. That’s why our partner, Freedom Solar Power, has put together this beginner’s guide to solar panels.


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.