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Share Certificates

Share Certificates

Grow your savings faster with an AFFCU Share Certificate.

AFFCU's Share Certificates are a great tool to help you achieve your savings goals. A Share Certificate is a risk-free investment tool with a guaranteed return. You'll earn a higher interest rate on your deposits without the risk that come with other investment avenues. Our wide range of terms, with fixed dividend rates compounded monthly, provide flexible options to address your savings goals.

Choose from our four certificate options, each with various terms and low minimum deposits. Multiple share certificate options also available as Traditional or Roth IRA Certificates.


Take advantage of our special limited-time savings rate increase and give your savings a boost.

Get a 0.50% APR* increase on any new share certificate*

  • Increase applied to current posted rates. View current rates.
  • Available on new share certificates opened of 1-year term or greater
  • $2,500 Minimum deposit
  • Must be funded with new money, which is money not already on deposit in any AFFCU account.
  • Available on share certificates opened through December 31, 2018
  • Exclusions apply and offer subject to change

Share Certificates

  • Fixed rates, higher than regular savings
  • Locked-in rates provide more guarantee than other risky investments
  • Low minimum deposits of $500 to $2,500 depending on term
  • Flexible Terms from 3 months to 5 years
  • No setup or maintenance fees
  • Early withdrawals subject to penalty

Add & Earn Share Certificates

With a low minimum deposit of only $25 and the ability to make unlimited contributions, this unique option is a great tool to fast track your savings goal. Your dividend earnings automatically increase based on deposit amount.

  • Fixed rates, higher than regular savings
  • Low minimum deposit of $25
  • Unlimited contributions to build savings
  • One (1) or two (2) year term options
  • No setup or maintenance fees
  • Early withdrawals subject to penalty

Step-Up Share Certificates

  • Allows you take advantage of favorable shifts in the market with a one-time opportunity to increase to the current rate without extending the maturity date
  • One-time rate increase available (upon request) should dividend rates go up
  • Must be held for 1 year at rate opened
  • Available only in 3 and 5 year terms
  • Early withdrawals subject to penalty

Jumbo Share Certificates

  • Earns highest dividend
  • For share certificates with large balances
  • 1 to 3 year terms available
  • $50,000 minimum deposit to open

*APR = Annual Percentage Rate. $2,500 minimum deposit required. Offer eligible on share certificates with a term of 1-year or longer. Not eligible on Add & Earn Share Certificates. Offer valid on new share certificates opened by December 31, 2018, and subject to change at any time without notice. Rates vary by term and subject to change at any time. All funds must be new money only and cannot be funded from existing AFFCU account deposits. A penalty for early withdrawal applies which will affect actual earnings.

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