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*
3.76%†
60-Month 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 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 | 3.76%† |
| 36 month | $1,000 | 3.76%† |
| 48 month | $1,000 | 3.56%† |
| 60 month | $1,000 | 3.56%† |
*APY = Annual Percentage Yield. †Rates effective 12.12.2024 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.
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
Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.
Personal Finances
Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.
Related Articles
Protect Your Finances Checklist
‘Tis the season to be on high alert for fraud. Better protect your finances with these recommended steps and free services available to A+FCU members.
16 Months Of Financial Tips
Use these monthly financial tips to break down your top financial tasks and to-dos and get on the right path to being financially healthy.
Are Share Certificates Worth It?
When looking into ways to grow their money, many people wonder, “Are share certificates worth it?” Learn more about how share certificates can help you earn more on your savings.
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.