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What is a Certificate of Deposit (CD)?

A CD is a short-term investment option that offers a guaranteed rate of return over a designated period of time.

When you deposit your money into a Certificate of deposit (CD) you’ll earn a higher rate of return than a standard Savings Account for the certificate length. At America’s Credit Union your deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000 so you can rest assured knowing your CD investment is safe.

In exchange for the higher rate of return, you’re making a promise that you won’t remove your money from the Certificate of Deposit until the agreed upon date. If you do need to access your money, a penalty* will be assessed for early withdrawal. 

At ACU, we use the money you’ve deposited into your Certificate of Deposit to make loans to other members and keep the credit union running smoothly. Investing in CDs at ACU is one of many ways you can invest in our member-owned cooperative, keep your money local, and earn a great rate of return.

*For certificates with a maturity of 182 days or less, the penalty is equal to 90 days’ simple interest on the amount of the certificate, whether earned or not. For certificates with a maturity of 12 to 24 months, the penalty is equal to 180 days’ simple interest on the amount of the certificate, whether earned or not. For certificates with a maturity of more than 24 months, the penalty is equal to 365 days’ interest on the amount of the certificate, whether earned or not.

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a certificate of deposit from america's credit union helps you enjoy the future couple vacationing
a certificate of deposit from america's credit union helps you enjoy the future couple vacationing

CD Rates

Account Type Term Minimum To Earn Dividend Dividend Rate Annual Percentage Yield (APY)
TEXT
Term Share Certificate
TEXT
6 Months
TEXT
TEXT
0.100%
TEXT
0.10%
TEXT
Term Share Certificate
TEXT
1 Year
TEXT
TEXT
1.982%
TEXT
2.00%
TEXT
Term Share Certificate
TEXT
18 Month
TEXT
TEXT
0.797%
TEXT
0.80%
TEXT
Term Share Certificate
TEXT
2 Year
TEXT
TEXT
0.648%
TEXT
0.65%
TEXT
Term Share Certificate
TEXT
3 Year
TEXT
TEXT
0.747%
TEXT
0.75%
TEXT
Term Share Certificate
TEXT
4 Year
TEXT
TEXT
0.648%
TEXT
0.65%
TEXT
Term Share Certificate
TEXT
5 Year
TEXT
TEXT
0.995%
TEXT
1.00%
TEXT
Mini-Jumbo Certificate
TEXT
1 Year
TEXT
TEXT
1.982%
TEXT
2.00%
TEXT
Mini-Jumbo Certificate
TEXT
18 Month
TEXT
TEXT
0.797%
TEXT
0.80%
TEXT
Mini-Jumbo Certificate
TEXT
3 Year
TEXT
TEXT
0.747%
TEXT
0.75%
TEXT
Mini-Jumbo Certificate
TEXT
4 Year
TEXT
TEXT
0.648%
TEXT
0.65%
TEXT
Mini-Jumbo Certificate
TEXT
5 Year
TEXT
TEXT
0.995%
TEXT
1.00%
TEXT
Jumbo Certificate
TEXT
1 Year
TEXT
TEXT
1.982%
TEXT
2.00%
TEXT
Jumbo Certificate
TEXT
2 Year
TEXT
TEXT
0.648%
TEXT
0.65%
TEXT
Jumbo Certificate
TEXT
18 Month
TEXT
TEXT
0.797%
TEXT
0.80%
TEXT
Jumbo Certificate
TEXT
3 Year
TEXT
TEXT
0.747%
TEXT
0.75%
TEXT
Jumbo Certificate
TEXT
4 Year
TEXT
TEXT
0.648%
TEXT
0.65%
TEXT
Jumbo Certificate
TEXT
5 Year
TEXT
TEXT
0.995%
TEXT
1.00%
TEXT
Mini-Jumbo Certificate
TEXT
2 Year
TEXT
TEXT
0.648%
TEXT
0.65%
TEXT
Term Share Certificate
TEXT
7 Month**
TEXT
TEXT
3.687%
TEXT
3.75%
TEXT
Term Share Certificate
TEXT
11 Month***
TEXT
$1,000 to $24,999
TEXT
4.841%
TEXT
4.95%
TEXT
Term Share Certificate
TEXT
11 Month***
TEXT
$25,000 to $99,999
TEXT
4.937%
TEXT
5.05%
TEXT
Term Share Certificate
TEXT
11 Month***
TEXT
$100,000 to $249,999
TEXT
5.032%
TEXT
5.15%
TEXT
Term Share Certificate
TEXT
11 Month***
TEXT
$250,000 and up
TEXT
5.128%
TEXT
5.25%
Effective May 11, 2023
Account Type

Term Share Certificate

Term

6 Months

Minimum To Earn Dividend

Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Account Type

Term Share Certificate

Term

1 Year

Minimum To Earn Dividend

Dividend Rate

1.982%

Annual Percentage Yield (APY)

2.00%

Account Type

Term Share Certificate

Term

18 Month

Minimum To Earn Dividend

Dividend Rate

0.797%

Annual Percentage Yield (APY)

0.80%

Account Type

Term Share Certificate

Term

2 Year

Minimum To Earn Dividend

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Term Share Certificate

Term

3 Year

Minimum To Earn Dividend

Dividend Rate

0.747%

Annual Percentage Yield (APY)

0.75%

Account Type

Term Share Certificate

Term

4 Year

Minimum To Earn Dividend

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Term Share Certificate

Term

5 Year

Minimum To Earn Dividend

Dividend Rate

0.995%

Annual Percentage Yield (APY)

1.00%

Account Type

Mini-Jumbo Certificate

Term

1 Year

Minimum To Earn Dividend

Dividend Rate

1.982%

Annual Percentage Yield (APY)

2.00%

Account Type

Mini-Jumbo Certificate

Term

18 Month

Minimum To Earn Dividend

Dividend Rate

0.797%

Annual Percentage Yield (APY)

0.80%

Account Type

Mini-Jumbo Certificate

Term

3 Year

Minimum To Earn Dividend

Dividend Rate

0.747%

Annual Percentage Yield (APY)

0.75%

Account Type

Mini-Jumbo Certificate

Term

4 Year

Minimum To Earn Dividend

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Mini-Jumbo Certificate

Term

5 Year

Minimum To Earn Dividend

Dividend Rate

0.995%

Annual Percentage Yield (APY)

1.00%

Account Type

Jumbo Certificate

Term

1 Year

Minimum To Earn Dividend

Dividend Rate

1.982%

Annual Percentage Yield (APY)

2.00%

Account Type

Jumbo Certificate

Term

2 Year

Minimum To Earn Dividend

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Jumbo Certificate

Term

18 Month

Minimum To Earn Dividend

Dividend Rate

0.797%

Annual Percentage Yield (APY)

0.80%

Account Type

Jumbo Certificate

Term

3 Year

Minimum To Earn Dividend

Dividend Rate

0.747%

Annual Percentage Yield (APY)

0.75%

Account Type

Jumbo Certificate

Term

4 Year

Minimum To Earn Dividend

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Jumbo Certificate

Term

5 Year

Minimum To Earn Dividend

Dividend Rate

0.995%

Annual Percentage Yield (APY)

1.00%

Account Type

Mini-Jumbo Certificate

Term

2 Year

Minimum To Earn Dividend

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Term Share Certificate

Term

7 Month**

Minimum To Earn Dividend

Dividend Rate

3.687%

Annual Percentage Yield (APY)

3.75%

Account Type

Term Share Certificate

Term

11 Month***

Minimum To Earn Dividend

$1,000 to $24,999

Dividend Rate

4.841%

Annual Percentage Yield (APY)

4.95%

Account Type

Term Share Certificate

Term

11 Month***

Minimum To Earn Dividend

$25,000 to $99,999

Dividend Rate

4.937%

Annual Percentage Yield (APY)

5.05%

Account Type

Term Share Certificate

Term

11 Month***

Minimum To Earn Dividend

$100,000 to $249,999

Dividend Rate

5.032%

Annual Percentage Yield (APY)

5.15%

Account Type

Term Share Certificate

Term

11 Month***

Minimum To Earn Dividend

$250,000 and up

Dividend Rate

5.128%

Annual Percentage Yield (APY)

5.25%

Effective May 11, 2023

*Annual Percentage Yield (APY) rates are subject to change without notice. Fees could reduce the earnings. Minimum deposit required to open and earn dividends on Term Share Certificates is $1,000. Minimum deposit required to open and earn dividends on Mini-Jumbo Certificates is $50,000. Maximum deposit is $98,999.99. Minimum deposit required to open and earn dividends on Jumbo Certificates is $99,000. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure.

**The 7 Month Term Share Certificate is a limited time promotion.  The promotional rate is available for funds not currently with ACU. Funds cannot be withdrawn and brought back within 30 days to be considered for the promotional rate. This is a limited time offer only.

 

Invest in a CD Today

If you have more than $5,000 in your Savings Account or Special Savings Account consider moving it to a Certificate of Deposit to increase your earnings. Often members use CDs to save for major upcoming life events or to help build a nest egg for their future.

Common Reasons to Invest in a Certificate of Deposit

  • Save for retirement.

  • Plan ahead for college expenses.

  • Plan for a milestone, like an important anniversary.

  • Take advantage of higher interest rates.

  • Federally insured with guaranteed returns.

  • Less risky than most other investment options.

  • Short-term commitment with your money.

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Man using his phone to look at America's CD special.
Man using his phone to look at America's CD special.

Budgeting Your Savings

Free Budgeting Guide!

It’s essential that you have good budgeting habits to increase your savings. Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your future saving goals. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

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Claim your FREE Copy!

cd rates at america's credit union help your savings grow couple researching rates on laptop

Add to Your Savings

If you’re not familiar with the 52 Week Savings Challenge it’s a relatively easy way to add to your Savings Account over the course of a year.

On the first week put $1 in your Savings Account and leave it there for the whole year. On the second week put $2 in your Savings Account. Continue this pattern so on the 52nd week you’re depositing $52 into your Savings Account. At the end of the year, you will have saved $1,378 plus interest! For other variations of this savings plan check out our blog post Three Ways to Make the 52 Week Savings Challenge Work for You.