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Savings & Certificates

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*
2.73%

24-Month Plus Advantage Certificate

$1,000 Minimum Balance

APY*
2.94%

36-Month Plus Advantage Certificate

$1,000 Minimum Balance

APY*
2.99%

60-Month Plus Advantage Certificate

$1,000 Minimum Balance

APY*
3.35%

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. After you log in, click Menu > Open & Apply > Open Additional Shares.

Plus Advantage Certificates Rates

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Plus Advantage Certificate Rates Table
Term Minimum Balance APY*
12 month $1,000 2.73%
18 month $1,000 2.84%
24 month $1,000 2.94%
36 month $1,000 2.99%
48 month $1,000 2.99%
60 month $1,000 3.35%

*APY = Annual Percentage Yield.

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. Effective Dates: 1.24.2023 (6pm) through 1.31.2023 (5:59pm).

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High-Dividend New Money Certificates

For a limited time, earn 3.75% 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
$10

Learn More – StartUP Certificates

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

Schedule An Appointment

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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