5.00% APY* 12-Month Certificate

Earn BIG with this special rate Certificate Account!


Already an AFFCU member?
Either log in to Digital Banking, 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-Month 3.928% 4.00%
6-Month Jumbo 4.169% 4.25%
12-Month 4.645% 4.75%
12-Month Jumbo 4.889% 5.00%
18-Month 4.932% 5.05%
18-Month Jumbo 5.125% 5.25%
24-Month 3.687% 3.75%
24-Month Jumbo 3.928% 4.00%
36-Month 3.925% 4.00%
36-Month Jumbo 4.169% 4.25%
60-Month 3.442% 3.50%
60-Month Jumbo 3.685% 3.75%
7 Year 3.247% 3.30%
7 Year Jumbo 3.247% 3.30%

* APY = Annual Percentage Yield. Dividends Compounded: Monthly. 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.

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


Minimum $100,000 opening deposit required for jumbo certificates. 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.