Keeping your money safe while earning a great return!

Certificates of deposit are a safe, secure way to earn guaranteed interest payments on your money. With flexible terms ranging from 3 months to 5 years, great interest rates, and a minimum deposit of only $500, ACU should be first on your list for secured deposits. All deposits are insured by the NCUA to at least $250,000.


  • Rate Match (Must be same product and local credit unions only; conditions may apply)

  • Minimum opening deposit $500

  • Terms vary from 3 – 60 months

  • Fees are charged for early withdrawals from a CD

  • Fixed interest rate

  • Interest compounded and paid quarterly. The longer the term, the higher the interest the CD will earn

  • Members of the VIP Club can earn higher interest rates

  • Additional deposits can be made at maturity or within 10 days grace period of maturity

  • Free e-Statements

CD Rates

Current as of Jun 14, 2024

Term Yield (APY) VIP Yield (APY)

3 Months

4.25% *

4.40% **

6 Months

5.10% *

5.25% **

12 Months

5.05% *

5.20% **

18 Months



24 Months

4.35% *

4.50% **

36 Months

4.10% *

4.25% **

48 Months

4.00% *

4.15% **

60 Months

3.90% *

4.05% **



How It Helps You

How It Works

  Makes Money

Earns higher interest on funds you don’t need routine access to

Convenience  Convenient

Automatic renewal when CD has reached maturity

Peace of Mind  Peace of Mind

Earns the same rate throughout the term of the deposit

Peace of Mind  Peace of Mind

Your savings will never lose value and are insured federally by the NCUA for balances up to $250,000

Even More To Love

Check out these other great products and services from ACU!


Want to earn even better rates? Check out how to become a member of our VIP Club.


Choose from three types of Debit/Checking accounts to fit your lifestyle!

Ready To Earn A Guaranteed Return On Your Savings?

Visit Any Branch to Open

*Yield = Annual Percentage Yield. Deposits are insured by the National Credit Union Administration to at least $250,000. Savings, money market, accumulator and checking account dividends are compounded monthly. Certificate dividends are compounded quarterly. Minimum deposits indicate the minimum average daily balance required to receive the stated dividend rate. Share Savings yield is declared as a dividend for the previous month.
**V.I.P. rates are reserved for V.I.P. club members. For more information on the V.I.P. Club, click here.


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