The World of Savings – ACU Certificates

If you’re looking for ways to save more and grow your money faster, a Certificate might just be the answer. Certificates are a popular savings tool that offer higher interest rates than traditional savings accounts. However, not all certificates are created equal, and choosing the right one can be tricky. That’s where America’s Credit Union (ACU) comes in. As a trusted financial institution, ACU offers high-earning certificates that can help you reach your financial goals faster. In this blog post, we’ll explore what a certificate is, why you should consider opening one, and how ACU can help you save.

What is a Share Certificate?

A Share Certificate, commonly shortened to “certificate,” is a savings product that allows you to deposit a fixed amount of money for a set period of time, ranging from a few months to several years. Unlike traditional savings accounts, they offer higher interest rates that are fixed for the duration of the term. This means you’ll earn more interest on your money, but you’ll also have less flexibility when it comes to accessing your funds. If you withdraw your money before the end of the term, you may be subject to penalties and fees.

Why You Should Consider Opening a Certificate

Opening a certificate can be a smart financial move if you’re looking to grow your savings faster. Here are a few reasons why:

High interest rates:

As we mentioned earlier, certificates offer higher interest rates than traditional savings accounts, which can help you earn more on your savings.


Certificates are backed by NCUA insurance, which means your deposits are insured up to $250,000 per depositor, per insured credit union, for each account ownership category.

Guaranteed returns:

With a certificate, you’ll know exactly how much you’ll earn in interest over the term of the deposit.

Disciplined savings:

Because you can’t easily withdraw the money from your certificate, you’re more likely to leave it alone and let it grow.

How ACU Can Help You Save

At America’s Credit Union, we offer high-earning share certificates that can help you reach your savings goals faster. We offer competitive interest rates and a range of term lengths to fit your needs. Here are a few reasons why you might consider opening a share certificate with ACU:

High interest rates:

Our certificates offer some of the highest interest rates in the industry, which means you’ll earn more on your savings.

Flexible terms:

We offer a range of term lengths, from 3 to 60 months, so you can choose the term that works best for you.

Low minimum deposit:

Unlike some other banks and credit unions, we only require a minimum of $500 to open. Some banks require many thousands of dollars to open a certificate.

Online account management:

With our online banking platform, you can manage your account from anywhere, anytime.

If you’re looking to accelerate your savings growth and reach your financial goals faster, opening a certificate might be a smart move. ACU certificates offer higher interest rates than traditional savings accounts, and they can help you save more while also providing a disciplined savings approach. With our competitive interest rates and online account management, opening an account with ACU is a smart financial move.

Click here to learn more:
ACU Share Certificates

Credit & Borrowing, Investing & Budgeting

Back to News