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Share Certificates

Jumpstart your savings

Grow your money with a high-rate share certificate at AFFCU

Open yours today!
  • Start building your savings

    With a share certificate from AFFCU, you are bound to reach your short and long-term savings goals in no time. With a variety of certificate options and terms to choose from, we can ensure you will find one that is right for you and fits within your financial budget.


    AFFCU certificates offer rates that are among the most competitive in the nation. And now, you can add up to an additional 20 basis points to any of them through our Member Rewards program!

    • 6 months to 7 year terms
    • Open with as little as $1,000
    • No maintenance fees
    • Earn a higher dividend with Member Rewards

    “I came into to apply for a car loan and got it. I’m very excited for the opportunity to drive something new. Thanks AFFCU!”

    Jordan Olson, member since 2017
    Ready to start saving?

    Open your share certificate online now and save with confidence

    Start Saving Today!

    FREE Share Certificates Interactive Lesson

    Certificates of Deposit, or CDs, are a type of financial account that is designed to hold a fixed amount of money for a fixed amount of time.


    FREE Savings Interactive Lesson

    Understanding the various types of savings accounts available to you and the way these accounts earn interest is one great way to increase savings even further. Let’s explore how you can make savings work for you.


    FREE Healthy Financial Habits Interactive Lesson

    Explore how to develop health savings habits so you can feel more confident about your financial well-being.


  • Type Share Certificate Rates

    Rates Effective as of: 01-27-2022
    Term Minimum Balance: $1,000 - $99,999.99 $100,000 & Greater
    6 Months Dividend Rates 0.300% 0.300%
    APY 0.30% 0.30%
    1 Year Dividend Rates 0.498% 0.498%
    APY 0.50% 0.50%
    2 Years Dividend Rates 0.598% 0.598%
    APY 0.60% 0.60%
    3 Years Dividend Rates 0.697% 0.697%
    APY 0.70% 0.70%
    5 Years Dividend Rates 0.895% 0.895%
    APY 0.90% 0.90%
    7 Years Dividend Rates 0.995% 0.995%
    APY 1.00% 1.00%

    • The preceding rates are of the effective date and subject to change at any time without notice. For updated information, inquire at any branch office or contact 210.673.5610 or 800.227.5328.

    • APY = Annual Percentage Yield

    • Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Fees: Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Limitations: Minimum $1,000 opening balance is required. Other restrictions may apply.

  • Share Certificates

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