Dividend Rate
4.41%
Share Certificates Rates
Current as of December 1, 2024
If you have questions about our Share Certificates, or would like to set one up, please visit your local ACU Branch or give us a call toll-free at 866-968-7128
Contact UsPromotional Share Certificates | Opening & Min. Balance Req. $500+
4 Months (new money)
APY
4.50%
7 Months
Dividend Rate
2.96%
APY
3.00%
17 - 20 Months
Dividend Rate
0.40%
APY
0.40%
21 - 30 Months
Dividend Rate
0.50%
APY
0.50%
36 Month Flex
Dividend Rate
.60%
APY
.60%
Promotional Share Certificates | Opening & Min. Balance Req. $10,000+
36 Months
Dividend Rate
.60%
APY
.60%
48 Months
Dividend Rate
.65%
APY
.65%
Promotional Share Certificates | Opening & Min. Balance Req. $100+
Veterans Family Fund | 6 Months
Dividend Rate
0.50%
APY
0.50%
FLEX* | Opening & Min. Balance Req. $500 - $24,999.99
3 - 12 Month
Dividend Rate
0.15%
APY
0.15%
13 - 23 Month
Dividend Rate
0.25%
APY
0.25%
24 - 47 Month
Dividend Rate
0.35%
APY
0.35%
48+ Month
Dividend Rate
0.50%
APY
0.50%
STANDARD | Opening & Min. Balance Req. $500 - $24,999.99
3 - 12 Month
Dividend Rate
0.30%
APY
0.30%
13 - 23 Month
Dividend Rate
0.35%
APY
0.35%
24 - 47 Month
Dividend Rate
0.50%
APY
0.50%
48+ Month
Dividend Rate
0.55%
APY
0.55%
IRA Share Certificates | Opening & Min. Balance Req. $1,000+
12 Month
Dividend Rate
3.49%
APY
3.55%
13 Month
Dividend Rate
4.41%
APY
4.50%
18 Month
Dividend Rate
3.69%
APY
3.75%
23 Month
Dividend Rate
.50%
APY
.50%
33 Month
Dividend Rate
.60%
APY
.60%
48 Month
Dividend Rate
1.00%
APY
1.00%
Consumer Account Disclosure: The terms applicable to your Deposit Accounts at ACU are provided in a separate Truth–in-Savings Disclosure. Fees may reduce earnings. See Fee Schedule. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty of up to 90 days of dividends may be imposed for early withdrawal on Share Certificates and Performance Saver Accounts and will affect earnings on the account. You must be an ACU member to qualify.
† Account receives identity theft coverage, cell phone repair coverage, 10 cents cash back for every debit card purchase over $5.00, and ATM fee reimbursement up to $10.00 per month. To earn dividends, receive ATM fee reimbursement, and 10 cents cash back, you must have eStatements, 15 POS transactions of at least $5.00 post and settle during the monthly statement period, and log into ACU Online or ACU Mobile App at least once per month.
†† The Index is the 2 year US Treasury Bill published on the 25th day of the month. The minimum dividend rate will never be less than the Performance Saver minimum dividend rate.
‡ Account is no longer available for certificates opened or renewed after 9/30/2017.
‡‡ To earn dividends you must have $15,000 in combined loans or deposits, direct deposit of at least $500 per month, eStatements, and 10 POS transactions post and settle during the monthly statement period.
* Rates may change after account opening.
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