StartUP Certificate
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. Our flexible StartUP Certificate offers higher yields and the ability to add more money over the 12-month term of the certificate.
High Yield With Flexible Terms
The StartUP Share Certificate is an ideal savings tool for people starting out on their financial journey and those who are serious about saving, but need flexible options. Some of the highlights of this account include:
- Low initial investment: $10 minimum balance
- High yield: 5.00% APY* return
- Shorter commitment: 12-month term
- Add funds: add money during the term (up to $1,000)
- Loyalty bonus: use PlusPoints to boost the dividend rate by 0.25%
If a StartUP Share Certificate sounds like a good fit for your financial goals, easily open an account online today.
Not A Member?
Open your StartUP Certificate online in minutes. 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 StartUP Certificate online through A+ Online Banking. Log in and from the menu, click Open & Apply > Open Additional Shares.
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
*APY = Annual Percentage Yield. Rate effective 2.13.2025 and is subject to change without notice.
Membership required. Insured by NCUA. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Conditions and restrictions may apply. Subject to change without notice.
Rates & Resources
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