Lock In 3.75% APY for a Full Year
Open a 12-month share certificate with $500 or more in new money and earn 3.75% APY* for the full term. Open yours online or at any branch through November 2026.
Pick the Term That Fits Your Plans
Your rate is locked the day you open, so the number you see is the number you earn. No rate drops halfway through the term, and no guessing.
Earn 3.75% APY* for a full year, starting with $500 in new money. The rate is fixed for the term, even if rates fall.
The same 3.75% APY* locked in for 18 months, for members ready to put $5,000 or more to work.
Lock in 3.35% APY* for three full years and stop wondering where rates are headed.
What 3.75% APY does for your savings: $10,000 grows to $10,375 in 12 months.† Your rate is locked the day you open, so the number you see is the number you earn. Run your own numbers in our certificate calculator.
Every Share Certificate ACU Offers
Beyond the promotional terms, Standard and Flex certificates run from 3 to 48 months, and IRA certificates hold retirement savings. Every certificate locks its rate for the term. Want some of it available every year? Plan a certificate ladder.
| Certificate | Minimum | Terms | Add Funds | Rate Type | |
|---|---|---|---|---|---|
| 12-Month Special (new money) | $500 | 12 months | No | Fixed | View rates → |
| Promotional | $5,000 | 18 or 36 months | No | Fixed | View rates → |
| Standard | $500 | 3 to 48 months | No | Fixed | View rates → |
| Flex | $500 | 3 to 48 months | Yes, $100 minimum | Fixed | View rates → |
| IRA | $1,000 | 12 to 48 months | No | Fixed | IRA options → |
A Rate That Stays Put
A share certificate trades flexibility for certainty: you agree to leave your money in place for the term, and your dividend rate is fixed until it matures.
Your 3.75% APY stays put for the full term, even if rates fall.
Start with $500 or more in new money from outside ACU.
Your savings are federally insured by the NCUA up to $250,000 per ownership category.
New to ACU? Become a member and fund your share certificate at the same time.
Leave your dividends on deposit and they earn dividends too, which is how the APY is figured.
Open your certificate online in minutes, or visit any ACU branch and open it with a member of our team.
Simple Opening Process for ACU Share Certificates
Three steps from new money to a locked-in rate.
Fill out our online membership application. Already a member? Skip ahead.
Deposit $500 or more from outside ACU. Funds already on deposit here do not qualify.
Your 3.75% APY is locked for 12 months. Sit back and let your dividends add up.
Share Certificate FAQs
Answers to what members ask most before opening a share certificate at ACU.
Important Disclosures
*APY = Annual Percentage Yield. APY accurate as of October 1, 2026 and subject to change. 12-month certificate: $500 minimum to open and to earn the APY; 12-month term, rate fixed for the term, then renews at the then-current standard rate. New money only. New money is funds not currently held in any America’s Credit Union account or share, including savings, checking, money market, and existing share certificates. 18-month and 36-month promotional certificates require a minimum deposit of $5,000, with a maximum of $250,000.00 per member account. Annual Percentage Yield on share certificates assumes dividends earned remain on deposit until maturity. A penalty of up to 90 days of dividends may be imposed for early withdrawal and will affect earnings. Fees could reduce earnings. Membership eligibility required. Federally insured by NCUA.
†Earnings example assumes a $10,000 deposit held for the full 12-month term with dividends left on deposit and no withdrawals.
Your Savings Deserve a Rate That Stays Put
Open a 12-month share certificate with $500 in new money and earn 3.75% APY* for the full term. Available online or at any branch through November 2026.