Share Certificates

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!

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

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

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

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.

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.

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.

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.

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.