19-Month Share Certificate
Do more for your savings when you bring new money to A+FCU and open an exclusive share certificate.
Experience More Benefits
Take advantage of our exclusive 19-Month New Money Advantage Share Certificate to earn higher dividends with new money to A+FCU.
- Fixed term of 19 months
- 4.10% APY*
- $1,000 minimum balance
- Automatic renewal on maturity
How To Join A+FCU Online
Watch our video for step-by-step instructions on how you can join Austin’s Best Credit Union online and open your new certificate!
Ready to join? Click the button below to use our easy online application > Select the certificate you want to open > Apply Now > Submit your application.
*APY = Annual Percentage Yield. Rates effective 2.18.2025 and are subject to change without notice.
†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 New Money Advantage Share Certificates. At maturity, 19-month certificate will automatically renew for an 18-month term and 37-month certificate will automatically renew for a 36-month term.
Membership required. Insured by NCUA. New members must open a Membership Savings Account. $10 minimum opening deposit required for Membership Savings. New accounts screened through ChexSystems. Person must have US SSN/ITIN.
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 2.18.2025 and are subject to change without notice. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account. Limit one StartUP Share Certificate per member.
Membership required. Insured by NCUA. A penalty may be imposed for early withdrawals. Conditions and restrictions may apply. Subject to change without notice. New members must open a Membership Savings Account. $10 minimum opening deposit required for Membership Savings. New accounts screened through ChexSystems. Person must have US SSN/ITIN.
Share Certificates: Worth It?
Learn the benefits of a share certificate and if it’s the right option for you.
How Do Share Certificates Work?
Find out how share certificates can help you grow your savings faster.
Share Certificate vs. CD
Understand the difference between a Share Certificate and a Certificate of Deposit (CD).
What Are You Saving For?
Use our free calculators to help determine where you are in reaching your financial goals – down payment for a house, new car, retirement, vacation, and even debt repayment!
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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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.