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
APY*
3.76%†
12-Month Certificate
$1,000 Minimum Balance
APY*
4.02%†
24-Month Certificate
$1,000 Minimum Balance
APY*
3.92%†
60-Month Certificate
$1,000 Minimum Balance
APY*
3.76%†
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
| Term | Minimum Balance | APY* |
|---|---|---|
| 6 month | $1,000 | 3.76%† |
| 12 month | $1,000 | 4.02%† |
| 18 month | $1,000 | 3.97%† |
| 24 month | $1,000 | 3.92%† |
| 36 month | $1,000 | 3.76%† |
| 48 month | $1,000 | 3.76%† |
| 60 month | $1,000 | 3.76%† |
*APY = Annual Percentage Yield. †Rates effective 2.18.2025 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.
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.
Budgeting
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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.