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Certificate of deposit

Certificates of Deposit (CDs)

Save your money for a set amount of time and lock in an interest rate that is typically higher than that of a basic savings account. Choose terms from three months to five years and open a CD with as little as $500. Usually, the longer the term, the higher the interest rate.

More about our CDs:

  • Your savings are federally insured by the National Credit Union Administration, a U.S. Government agency.
  • Interest is calculated on the average daily balance of the certificate over the interest period.
  • Interest compounds quarterly.
  • Interest may be paid monthly if transferred to another ACU account (except for three-month CD).
  • Interest checks may be mailed monthly or quarterly for CDs of $10,000 or more.
  • Certificates can be used as collateral for loans.

View our current rates and terms.

If you withdraw money from a CD before the term is up, you may have to pay a penalty or forfeit a portion of the interest you earned.

Truth-in-Savings Disclosure

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