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*
3.82%†
24-Month Plus Advantage Certificate
$1,000 Minimum Balance
APY*
3.71%†
36-Month Plus Advantage Certificate
$1,000 Minimum Balance
APY*
3.56%†
60-Month Plus Advantage Certificate
$1,000 Minimum Balance
APY*
3.56%†
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 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 | 3.82%† |
| 18 month | $1,000 | 3.76%† |
| 24 month | $1,000 | 3.71%† |
| 36 month | $1,000 | 3.56%† |
| 48 month | $1,000 | 3.56%† |
| 60 month | $1,000 | 3.56%† |
*APY = Annual Percentage Yield. †Rates effective 2.18.2025 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 4.10% APY* on a 19-month share certificate or 3.90% 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.
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