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Save smarter. Earn more. Higher returns with rates up to 4.65% APY*.
Much like a bank CD, Arlington Community Federal Credit Union certificates let you store your money with us for a fixed amount of time, earning you higher returns than a typical checking or savings account.
Share & IRA Certificates
Save for your next adventure.
Save for a down payment on a home, your upcoming retirement, or that next vacation. Share Certificates (and IRA Certificates for members with retirement accounts) are low-risk, high-yield, and term-friendly.
- Minimum $500 to open
- Six-, 12-, 15-, 18-, 24-, 36-, 48-, and 60-month terms
- Automatic renewal options available
- Fixed rate of return
18 MONTH TERM
4.55
%
APY*
Rates Effective: September 3, 2024| Term | Annual Percentage Yield | Platinum APY* | Minimum to Earn Dividends | Minimum Opening Balance |
|---|---|---|---|---|
| Term 6 Month | Annual Percentage Yield 4.65% | Platinum APY* 4.75% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 12 Month | Annual Percentage Yield 4.65% | Platinum APY* 4.75% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 15 Month | Annual Percentage Yield 4.45% | Platinum APY* 4.55% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 15 Month (No Penalty)1 | Annual Percentage Yield 4.35% | Platinum APY* 4.45% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 18 Month | Annual Percentage Yield 4.55% | Platinum APY* 4.65% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 24 Month | Annual Percentage Yield 4.05% | Platinum APY* 4.15% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 36 Month | Annual Percentage Yield 3.85% | Platinum APY* 3.95% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 48 Month | Annual Percentage Yield 3.90% | Platinum APY* 4.00% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
| Term 60 Month | Annual Percentage Yield 3.90% | Platinum APY* 4.00% | Minimum to Earn Dividends $500 | Minimum Opening Balance $500 |
Jumbo Share Certificate
Save big, earn big.
A bigger deposit means bigger dividends—it’s that simple. Our Jumbo Share Certificates offer a boosted yield that can help pad everything you’ve already saved up.
- Minimum $100,000 to open
- Six-, 12- and 24-month terms
AS HIGH AS
4.65
%
APY*
Rates Effective: September 3, 2024| TERM | ANNUAL PERCENTAGE YIELD | PLATINUM APY* | MINIMUM TO EARN DIVIDENDS | MINIMUM OPENING BALANCE |
|---|---|---|---|---|
| TERM 6 Month | ANNUAL PERCENTAGE YIELD 4.65% | PLATINUM APY* 4.75% | MINIMUM TO EARN DIVIDENDS $100,000.00 | MINIMUM OPENING BALANCE $100,000.00 |
| TERM 12 Month | ANNUAL PERCENTAGE YIELD 4.65% | PLATINUM APY* 4.75% | MINIMUM TO EARN DIVIDENDS $100,000.00 | MINIMUM OPENING BALANCE $100,000 00 |
| TERM 24 Month | ANNUAL PERCENTAGE YIELD 4.05% | PLATINUM APY* 4.15% | MINIMUM TO EARN DIVIDENDS $100,000.00 | MINIMUM OPENING BALANCE $100,000.00 |
No-Penalty Certificate
Just in case you need it.
Earn more on your money—without locking it all away—with our No-Penalty Certificate1. This gives you the option of withdrawing all of your balance without penalty.
- Minimum $500 to open
- Fixed 15-month term
- Withdraw all of your money anytime during the term without penalty
- Automatic renewal options available
- Earn more with Relationship Rewards at the Platinum level
- Not eligible for IRA certificate
Rates Effective: September 3, 2024 | Term | Annual Percentage Yield (APY) | Platinum APY | Minimum to Earn Dividends | Minimum Opening Balance |
|---|---|---|---|---|
| Term 15 Month Certificate (No Penalty!)1 | Annual Percentage Yield (APY) 4.35% | Platinum APY 4.45% | Minimum to Earn Dividends $500.00 | Minimum Opening Balance $500.00 |
Share Builder Certificate
The perfect place to start.
Kick-start your nest egg with a low-minimum Share Builder Certificate—and add to it. Early withdrawal fees help hold you accountable for your future and avoid life’s little temptations.
- Minimum $25 to open
- Fixed 12-month term
- Add money anytime during the term
- Easily set up recurring transfers from your checking account
- Earn more with Relationship Rewards at the Platinum level
Rates Effective: September 3, 2024| Term | Annual Percentage Yield | Minimum to Earn Dividends | Minimum Opening Balance |
|---|---|---|---|
| Term 12 Month | Annual Percentage Yield 4.65% | Minimum to Earn Dividends $25.00 | Minimum Opening Balance $25.00 |
Many Certificate Choices, Many Advantages
What makes one of ACFCU’s certificate accounts a great choice for smart savers? While each is designed for specific needs, they all offer great benefits.
Great Rates
You’ll earn more on your money than in a typical savings account
Safety & Security
Your money is insured by NCUA
Easy to Manage
With automatic renewal options at maturity, your savings continue working for you
Why Remarkable Service
is Right For You
As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.
Financial Empowerment
We’re here to help our members—and neighbors—meet their financial goals and live their best lives.
Rewarding Experience
We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.
Utmost Integrity
We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.
The Fine Print
*APY = Annual Percentage Yield.
All Certificates: A penalty for early withdrawal may be imposed. Fees may reduce earnings. Rates are subject to change without notice. Membership eligibility requirements apply. Federally insured by NCUA.
Share & IRA Certificates: Minimum to earn dividends: $500.
Jumbo Certificates: Minimum to earn dividends: $100,000.
Platinum Certificates: APYs are 0.10% higher. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.
Share Builder Certificate: Deposits can be added at any time during the certificate program.
1The 15 month certificate has no penalty when balance is withdrawn anytime during the term. Not eligible for IRA certificates.
