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Share Certificates

High dividend, low commitment saving.

Share certificates may be part of your long-term savings strategy, but with terms from 6 to 60 months, you can access funds in the short-term too.

Special 15-Month Share Certificate

For a limited time, earn 1.75% APY on a 15-month share certificate with money new to A+FCU.

  Minimum Maximum APY
15-Month Share Certificate $1,000 $250,000 1.75%

Take advantage of this offer:

  • Visit an A+FCU location
  • Call 512.302.6800

OPEN

APY = Annual Percentage Yield. Routing #314977104. Membership required. Money must be new to A+FCU. Programs, rates, terms, and conditions are subject to change without notice. Penalty may be assessed for early withdrawal. Cannot use PlusPoints for this program. 15 month term. $1,000 minimum balance required. $250,000 maximum balance allowed. Limit one special 15-month share certificate per member. Limited time offer due to 15-Month Certificate program allotment. Insured by NCUA. Effective Dates: 4.8.2020 through 4.14.2020.
New members must open a Membership Savings account. $10 minimum opening deposit required for Membership Savings. $5 New Membership fee. New accounts screened through ChexSystems. Person must have US SSN/ITIN.
StartUP Share Certificate

The StartUP Share Certificate is an easy way to start saving for the future, with a low $10 minimum balance, high 5.00% APY return, and the ability to add money to the certificate at any time up to $1,000. You can also redeem your PlusPoints to increase the APY up to 0.50%.

  Term Minimum Balance Maximum Balance APY APY With 5,000 PlusPoints
StartUP Share Certificate 12 months $10 $1,000 5.00% 5.50%

OPEN

APY=Annual Percentage Yield. Routing #314977104. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings account. Maximum balance=$1,000. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. APY with 5,000 PlusPoints includes 0.50% increase from redeeming 5,000 PlusPoints. Redeem 2,500 PlusPoints to increase APY by 0.25%. Effective dates: 4.8.2020 through 4.14.2020.
Share Certificates

Share certificates can help you achieve the right balance between long- and short-term savings goals. You can also redeem your PlusPoints to increase the APY by up to 0.50%.

Term Minimum Balance APY APY with 5,000 PlusPoints
6 month  $1,000 0.60% 1.10%
12 month $1,000 0.75% 1.25%
24 month $1,000 0.85% 1.35%
36 month $500 1.00% 1.50%
48 month $500 1.10% 1.60%
60 month $500 1.15% 1.65%

OPEN

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts federally insured up to $250,000 by NCUA. APY with 5,000 PlusPoints includes 0.50% increase from redeeming 5,000 PlusPoints. Redeem 2,500 PlusPoints to increase APY by 0.25%. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 4.8.2020 through 4.14.2020.
Plus Advantage Certificates

Plus Advantage Certificates add the special feature of getting a one-time increase in the APY should rates increase (specific to certificate term and type). You can also redeem your PlusPoints to increase the APY by up to 0.50%.

Term Minimum Balance APY APY With 5,000 PlusPoints
12 month $1,000 0.65% 1.15%
24 month $1,000 0.75% 1.25%
36 month $1,000 0.90% 1.40%
48 month $1,000 0.90% 1.40%
60 month $1,000 1.05% 1.55%

OPEN

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts federally insured up to $250,000 by NCUA. APY with 5,000 PlusPoints includes 0.50% increase from redeeming 5,000 PlusPoints. Redeem 2,500 PlusPoints to increase APY by 0.25%. To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 4.8.2020 through 4.14.2020.