CD & IRA

Table data for Certificates of Deposit Rates
06-19-2025
Term	Minimum to Earn Dividend	Dividend Rate	Annual Percentage Yield (APY)	Alert Me
6 Month	$1,000 and up	0.100%	0.10%	Receive a notification when this rate changesReceive a notification when this rate changes

7 Month	$1,000 and up ¹	4.073%	4.15%	Receive a notification when this rate changesReceive a notification when this rate changes

1 Year	$1,000 and up	1.982%	2.00%	Receive a notification when this rate changesReceive a notification when this rate changes

18 Month	$1,000 and up	0.797%	0.80%	Receive a notification when this rate changesReceive a notification when this rate changes

2 Year	$1,000 and up	0.648%	0.65%	Receive a notification when this rate changesReceive a notification when this rate changes

3 Year	$1,000 and up	0.747%	0.75%	Receive a notification when this rate changesReceive a notification when this rate changes

4 Year	$1,000 and up	0.648%	0.65%	Receive a notification when this rate changesReceive a notification when this rate changes

5 Year	$1,000 and up	0.995%	1.00%	Receive a notification when this rate changesReceive a notification when this rate changes

Table data for IRA Certificate of Deposit
06-19-2025
	Minimum to Earn Dividend	Dividend Rate ²	Annual Percentage Yield (APY) ²	Alert Me
6 Month IRA Certificate	$500 and up	0.100%	0.10%	Receive a notification when this rate changesReceive a notification when this rate changes

7 Month IRA Certificate ¹	$1,000 and up	4.073%	4.15%	Receive a notification when this rate changesReceive a notification when this rate changes

12 Month IRA Certificate	$500 and up	1.982%	2.00%	Receive a notification when this rate changesReceive a notification when this rate changes

18 Month IRA Certificate	$500 and up	0.797%	0.80%	Receive a notification when this rate changesReceive a notification when this rate changes

24 Month IRA Certificate	$500 and up	0.648%	0.65%	Receive a notification when this rate changesReceive a notification when this rate changes

3 Year IRA Certificate	$500 and up	0.747%	0.75%	Receive a notification when this rate changesReceive a notification when this rate changes

4 Year IRA Certificate	$500 and up	0.648%	0.65%	Receive a notification when this rate changesReceive a notification when this rate changes

5 Year IRA Certificate	$500 and up	0.995%	1.00%	Receive a notification when this rate changesReceive a notification when this rate changes

Table data for IRA Savings Account Rates
06-19-2025
Minimum to Earn Dividend	Dividend Rate	Annual Percentage Yield (APY) ³	Alert Me
$25 - $4,999.99	0.050%	0.05%	Receive a notification when this rate changesReceive a notification when this rate changes

$5,000 - $9,999.99	0.050%	0.05%	Receive a notification when this rate changesReceive a notification when this rate changes

$10,000 - $24,999.99	0.050%	0.05%	Receive a notification when this rate changesReceive a notification when this rate changes

$25,000 - $49,999.99	0.050%	0.05%	Receive a notification when this rate changesReceive a notification when this rate changes

$50,000 and above	0.050%	0.05%	Receive a notification when this rate changesReceive a notification when this rate changes

Table data for Jumbo CD Rates
06-19-2025
	Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum to Earn Dividend	Alert Me
Mini-Jumbo Certificate	1 Year	1.982%	2.00%	$50,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Mini-Jumbo Certificate	18 Month	0.797%	0.80%	$50,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Mini-Jumbo Certificate	2 Year	0.648%	0.65%	$50,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Mini-Jumbo Certificate	3 Year	0.747%	0.75%	$50,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Mini-Jumbo Certificate	4 Year	0.648%	0.65%	$50,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Mini-Jumbo Certificate	5 Year	0.995%	1.00%	$50,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Jumbo Certificate	1 Year	1.982%	2.00%	$99,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Jumbo Certificate	18 Month	0.797%	0.80%	$99,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Jumbo Certificate	2 Year	0.648%	0.65%	$99,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Jumbo Certificate	3 Year	0.747%	0.75%	$99,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Jumbo Certificate	4 Year	0.648%	0.65%	$99,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Jumbo Certificate	5 Year	0.995%	1.00%	$99,000 and up	Receive a notification when this rate changesReceive a notification when this rate changes

Rates

Disclosures

¹ APY = Annual Percentage Yield stated for balances over $1,000.00. The 7-Month Certificate of Deposit is a Limited-time promotion and is subject to change without notice. The promotional rate is available for members with, a) a current America's CU checking account, b) if member does not have a checking account with America's CU they can bring a minimum of $10,000 to the existing credit union funds to purchase the CD, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days to be considered for the promotional rate. See our CD and IRA rates.

² Annual Percentage Yield (APY). Minimum deposit of $500 is required to open an IRA Term Share Certificate. An average daily balance of $500 is required to earn dividends. All rates are subject to change without notice. Other terms and rates available including ROTH IRA Term Share Certificates and Coverdell Certificates. Fees could reduce the earnings. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure.

³ Fees could reduce earnings. Minimum deposit of $25 is required to open an IRA Savings Account. An average daily balance of $25 is required to earn dividends. Questions? Call 1-800-543-2811.