Share & IRA Certificates

Share Certificates

Share certificates are a good way to save and earn money over time. Certificates have a number of available options so you can choose the length of time you want to invest your money. The minimum deposit amount is $1,000, however, we have a 12 month certificate that can be purchased for $500. Another benefit that may fit your investment options is our 9 month certificate which allows for a one time penalty-free withdrawal (not available on IRAs). When your certificate matures, it can be cashed or automatically renewed based on your investment goals.

Limited Time Offer: 60 Month Share Certificate for 2.02% APY

Give your savings a boost with our limited time offer of 2.02% APY* on our 60 month Share Certificate! This offer is good for new money or for members renewing a share or IRA 60 month certificate. The minimun balance required to open this account is $1,000.

*Disclaimer: This offer is available for New Money and Renewing  Share and IRA 60 Month Term Certificates. The Minimum Balance required to open this account is $1,000 and must be maintained to receive the disclosed APY.  Dividends will be credited to your account quarterly. The initial promoted Dividend Rate and the Annual Percentage Yield (APY) will be paid until first maturity of the 60 month term.  The certificate will automatically renew at maturity at the rate in effect at the time of maturity  for the same term, minimum balance and other features as the original term share account.  This offer, including the stated Annual Percentage Yield (APY), is effective October 1, 2017. AACFCU reserves the right to end or modify this offer at any time. Additional deposits to the term certificate are not allowed at any time. Penalty applies for early withdrawal from the certificate. This is a limited offer which can expire at any time without notice.


We are pleased to offer both Roth and Traditional IRAs. No matter where you are in life, saving now with an IRA can better prepare you for your future. Whether you are beginning your career, planning for your family, or you are about to retire, it's never too late to start saving with a Traditional IRA or Roth IRA.

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