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Savings & Certificates

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 Share Certificate

$1,000 Minimum Balance

APY*
2.53%

12-Month Certificate

$1,000 Minimum Balance

APY*
2.84%

24-Month Share Certificate

$1,000 Minimum Balance

APY*
3.04%

60-Month Certificate

$1,000 Minimum Balance

APY*
3.45%

Not A Member?

Visit one of our branches or schedule an appointment to open your Share Certificate.

Current Members

Open your new Share Certificate online through A+ Online Banking. After you log in, click Menu > Open & Apply > Open Additional Shares.

Share Certificates Rates

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Share Certificates Rates Table
Term Minimum Balance APY*
6 month $1,000 2.53%
12 month $1,000 2.84%
18 month $1,000 2.94%
24 month $1,000 3.04%
36 month $1,000 3.09%
48 month $1,000 3.09%
60 month $1,000 3.45%

*APY = Annual Percentage Yield.

Membership required. Insured by NCUA. 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

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

Schedule An Appointment

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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