Certificates

If you have savings you won’t need for a little while, a Term Share Certificate is a great way to safely grow your money.

You can still access the money in your Term Share Certificate if you really need it, but you may pay a penalty if you withdraw your money before your term ends. By committing to save your money for at least 6 months, you’ll earn a higher dividend rate than you would on a regular savings or money fund account.

Certificate Features

Competitive dividend rates
A fixed rate for the length of the term
Minimum opening balance of $500.00

Flexible terms from 6 to 60 months
No maximum balance limit

Dividends begin accruing when account opening documentation has been completed (signed and received by AAFCU) and account has been funded.

With a Term Share Certificate you'll lock in a fixed rate for the length of term your certificate is open to grow your money faster than a regular savings account. Visit any branch location to get started!

Locations and Hours

Table data for Certificates Under $10,000
Effective as of 05/29/2022
Term	Dividend Rate	APY*	Alert Me
6 months	0.300%	0.30%	Receive a notification when this rate changes

12 months	0.399%	0.40%	Receive a notification when this rate changes

24 months	0.499%	0.50%	Receive a notification when this rate changes

36 months	0.549%	0.55%	Receive a notification when this rate changes

48 months	0.648%	0.65%	Receive a notification when this rate changes

60 months	0.698%	0.70%	Receive a notification when this rate changes

*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts. Early withdrawal penalties may apply. Rates subject to change.

Table data for Certificates Over $10,000
Effective as of 05/29/2022
Term	Dividend Rate	APY*	Alert Me
6 months	0.399%	0.40%	Receive a notification when this rate changes

12 months	0.499%	0.50%	Receive a notification when this rate changes

24 months	0.598%	0.60%	Receive a notification when this rate changes

36 months	0.648%	0.65%	Receive a notification when this rate changes

48 months	0.747%	0.75%	Receive a notification when this rate changes

60 months	0.797%	0.80%	Receive a notification when this rate changes

*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. A minimum balance of $10,000.01 is required to open and earn dividends on Certificate Accounts. Early withdrawal penalties may apply. Rates subject to change.