Certificates of Deposit
Why leave money sitting around in a checking account when you can invest in a high-interest savings account? Consider a certificate of deposit to earn the maximum amount of interest for the term of your choice…guaranteed.
Boost Your Savings with Certificates of Deposit
A Certificate of Deposit (CD) is a safe and reliable way to grow your money with guaranteed returns.
Why Choose a CD?
Higher Returns on Your Investment
Start with as little as $1,000 and earn more than you would with a regular savings account
Fixed Interest Rates:
Enjoy a fixed interest rate for the entire term of your CD. Your earnings are predictable and stable, making it easy to plan for the future.
Safe and Secure
Feel confident knowing your money is safe. CDs are low-risk investments insured by the National Credit Union Administration (NCUA) up to $250,000. This means your investment is protected against loss.
Other CD Benefits Include...
Higher Rates than Standard Savings
Earn more with competitive, fixed rates.
Guaranteed Returns
A CD can serve as a hedge against other investments, providing stable returns,
Flexible Terms
Choose from a wide range of terms, from 6 months to 5 years.
No Fees
No setup or maintenance fees.
Convenient Dividends
Earned dividends can be deposited into the AHCU account of your choice.
Early Withdrawal Penalty
Note that early withdrawals are subject to a penalty.*
Low Minimum Deposit
Open a CD with just $1,000.**
Start growing your savings with a CD today! Visit our website or stop by our branch to learn more and open an account.
* A 90-day penalty of interest applies to the 6 and 12-month Certificates for early withdrawal. Terms over 1-year subject to a 180-day early withdrawal penalty.
** Some CD specials require a higher minimum deposit. See CD rates for more information.
| Term | Rate | APY* | Min $ |
|---|---|---|---|
| 6, 12, 18, 24, 36 & 48 Months | 3.45% | 3.50% | $1,000 |
| 60 Month | 3.94% | 4.00% | $1,000 |
| 18 Month CD Special (100% New Money) |
4.33% | 4.40% | $1,000 |
| 7 Month CD Special (100% New Money) |
3.94% | 4.00% | $1,000 |
*APY = Annual Percentage Yield.
- A 90-day penalty of dividends applies to the 6 and 12 month certificates for early withdrawal. A 180-day penalty of dividends applies to the 14, 18, 22, 24, 36, 48 and 60 month certificates for early withdrawal.
- Terms listed are based on the required minimum deposit with all dividends paid quarterly to the certificate. The APY may vary if dividends are paid to any other account.
Have Questions? Our Team Is Here for You
We’re here to help guide you through your banking needs and financial journey. Schedule an appointment to fit your lifestyle via Video Banking , in-person, or call (651) 383-4000.
Current Member? Open Your Certificate in Online Banking
If you are a current member, you can simply log into online banking, click (+) add account and then choose the type of savings account you want.
Could Your Savings Be Earning More? A Guide to CDs and Money Market Accounts
Learn how certificates of deposit (CDs) and money market accounts work, the key differences between them, and when each may be the right fit for your savings goals.
Can’t Commit to a CD Term? Consider a Money Market Account.
A Money Market Account combines the best features of a savings account and a CD, offering you a smart way to save and grow your money. The more you save, the more you earn!
If you are a current member, you can simply log into online banking, click (+) add account and then choose the type of savings account you want.
