Grow Your Money

Certificate Accounts


A Certificate Account allows you to lock in higher yields and earn more from you savings with a variety of term options from six months up to seven years.


Stop by an AFFCU Financial Center or call us to open a Certificate Account.

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About Certificate Accounts

Opening a Certificate Account with money you won't be needing right away is a safe investment that will maximize your earning potential and allows your funds to grow at a higher rate.

Lock in a high-rate Certificate Account with as little as $1,000 with terms ranging from six months to seven years, and enjoy higher returns than a checking or savings account.

Certificate Account Features

  • $1,000 minimum opening balance

  • No maintenance fees

  • Terms from six months to seven years

  • Earns competitive dividends

  • Funds may be secured as collateral for low-cost loans

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    Certificate Accounts Include

    Higher Dividends

    Insured by NCUA

    Digital Banking

    Free eStatements

    Certificate Account Rates

    Rates effective as of:

    Term Dividend Rates APY*
    6 Months 0.896% 0.90%
    1 Year 1.094% 1.10%
    18 Months 1.193% 1.20%
    2 Years 1.539% 1.55%
    3 Years 2.080% 2.10%
    5 Years 2.178% 2.20%
    7 Years 2.272% 2.30%

    * 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. Rates subject to change at any time without notice.

    1 Minimum $1,000 opening deposit required. Penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.

    Need more flexibility?

    Get easier access to your savings with a Money Market Account.