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Share Certificates

Credit union share certificates are comparable to Certificates of Deposit (CDs) and are a great way to earn higher yields on money that you won’t need to use for a while. With terms from 6 to 60 months, find the option that works best for your money.

Do More For Your Savings

We can help you reach your short- and long-term goals with our Share Certificates. Put your money to work and grow your savings with a high-yield account option, plus redeem your PlusPoints to boost the dividend rate by an additional 0.25%.

6-Month Certificate

$1,000 Minimum Balance


12-Month Certificate

$1,000 Minimum Balance


24-Month Certificate

$1,000 Minimum Balance


60-Month Certificate

$1,000 Minimum Balance


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 Share Certificate online through A+ Online Banking. Log in and from the menu, click Open & Apply > Open Additional Shares.

Share Certificates Rates

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Share Certificates Rates Table
Term Minimum Balance APY*
6 month $1,000 4.07%
12 month $1,000 4.28%
18 month $1,000 4.39%
24 month $1,000 4.07%
36 month $1,000 3.87%
48 month $1,000 3.87%
60 month $1,000 3.87%

*APY = Annual Percentage Yield. Rates effective 5.1.2024 and are subject to change without notice.

Membership required. Insured by NCUA. A penalty may be imposed for early withdrawals. Conditions and restrictions may apply. Subject to change without notice.

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High-Dividend New Money Certificates

For a limited time, earn 4.50% APY* on a 19-month share certificate or 4.00% 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

Learn More – StartUP

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

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

Learn More – Plus Advantage

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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