Dividend Rate
3.69%
Share Certificates Rates
Current as of April 1, 2026
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. $5,000+
18 Months
APY
3.75%
36 Months
Dividend Rate
3.30%
APY
3.35%
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%
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.
*Rates may change after account opening.
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.
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