Share Certificates

Keep your savings safe and sound while earning great returns with our wide range of Share Certificates.

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A woman places more coins on a stack like the money growing in her Share Certificates

Benefits of Credit Union Share Certificates

Share Certificates offer a secure way to save your funds for a fixed period of time, so you maximize your gains. Commonly referred to as a Certificate of Deposit (CD), ACU has a range of Share Certificates to suit your specific needs. Choose from our Flex, Standard, Jumbo or IRA Share Certificates.

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Better Returns

Get a generous APY and dividend rate.

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Choice of Terms

Choose a term length from 3-months up to 48+ months depending on your needs.

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Federally Insured

Your savings are insured up to $250,000 by the NCUA.

Optimal Growth

Multiple Types Available

Choose from a Standard, Flex, Jumbo or IRA Share Certificate.


Simple Opening Process for ACU Share Certificates



Become a Member

Click the link below to fill out an online application to join our credit union.



Contact Us

Complete the form below to have someone reach out to you, or ask us at time of account opening!



Deposit and Start Earning!

Deposit your funds, then sit back and watch your money grow!


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Consumer Account Disclosure: APY=Annual Percentage Yield. APY effective as of 12/01/2022. Fees and penalties may be imposed for early withdrawal and may reduce earnings. Minimum opening and monthly balance of $500 required. All offers require membership and are subject to change. Consult your tax advisor for tax advice.

What is a Share Certificate Account?

A Share Certificate is a NCUA-insured savings tool that offers a fixed rate of return over a specified period. When you open a Share Certificate, you agree to keep your money in the account until it matures and in exchange, your financial institution pays a higher rate than you would normally earn with other types of accounts. You may earn 10 to 30 times more!

How much money do I need to open an account?

The minimum opening deposit for the various share certificate types are as follows:

  • Standard:  $500
  • Flex:  $500
  • IRA:  $,1000
  • Jumbo:  $10,000

Can I withdraw from my Share Certificate Account?

You may be penalized for making withdrawals sooner than the maturity date, when your term length is complete.

What are Compounding Dividends?

This is when you earn interest on your funds, and you also earn interest on your dividends each month. That way, your funds grow faster.

Why are Share Certificates More Secure than Other Investment Options?

Your funds are federally insured up to $250,000 by the National Credit Union Administration Share Insurance Fund. This means you can’t lose your funds no matter what happens in the stock market or the general economy.

What are the Different Types of Share Certificates?

Here’s what you need to know about our different options:

  • Standard: Requires a minimum deposit of $500 and allows you to earn higher dividends (compared to a normal savings account) for the duration of the certificate; choice of terms from 3 to 48 months.
  • Flex: Similar to a Standard Certificate ($500 minimum initial deposit and higher dividends on deposited funds) but does allow you to add funds (minimum of $100 deposits) to your certificate without having to wait until the maturity date.
  • IRA: Make an initial deposit of $1,000 and earn higher dividends on your IRA funds compared with an IRA savings account; offers the choice of terms from 13 to 33 months.
  • Jumbo: Have minimum deposit requirements of around $10,000, but there are no downsides other than having your money locked up for the term of the certificate. They often offer a higher dividend rate than other types of Share Certificates.

Can I Use Online and Mobile Banking to Check on my Share Certificate Account?

Sure! With Online and Mobile Banking, you’ll have access to eStatements, eNotifications, eAlerts, and other convenient features that will make your savings experience easy and satisfying.

Will I Need to Become an ACU Member Before I Can Open an Account?

Yes, all types of ACU savings accounts and our competitive rates are only available to members.
Membership is open to:

  • People who live, work, worship, or attend school in the Pacific Northwest
  • Members and employees of the Armed Forces and their relatives
  • Members of the Association of the United States Army
  • Members of the Pacific Northwest Consumer Council (PNWCC).

Learn more about joining and membership eligibility here.