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.
CD / IRA CD Rates
| Term | Rate | APY* |
|---|---|---|
| 6 Month | 2.47% | 2.50% |
| 12 Month | 2.72% | 2.75% |
| 18 Month | 2.96% | 3.00% |
| 24 Month | 3.20% | 3.25% |
| 36 Month | 3.20% | 3.25% |
| 48 Month | 3.20% | 3.25% |
| 60 Month | 3.20% | 3.25% |
| 10-Month Special** $5000 Minimum Deposit |
4.89% | 5.00% |
| 12-Month Student $250 Minimum Deposit |
2.96% | 3.00% |
The Minimum Balance required to open a regular Certificate is $1,000.
*APY = Annual Percentage Yield.
** At least 50% of the CD investment needs to be from New Money (funds not on deposit at AHCU). If new money is less than 50%: 10 month CD APY will be 4.00% (3.92% Rate) at the same term. CD will automatically renew to an 12-month CD at current rate at the time.
- A 90-day penalty of dividends applies to the 6 and 12 month certificate for early withdrawal. A 180-day penalty of dividends applies to the 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.
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.
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...
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.
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!
Money Market / IRA Money Market Rates
| Minimum | Rate | APY* |
|---|---|---|
| $2,500 | 1.98% | 2.00% |
| $50,000 | 2.72% | 2.75% |
| $100,000 | 2.96% | 3.00% |
| $200,000 | 2.96% | 3.00% |
- Dividends are compounded monthly for all money market accounts.
- Money Market accounts below $2,500 are assessed a $10 monthly fee and interest is not earned.
- All Money Market accounts with balances below $2,500 will earn 0.05% APY*.
*APY = Annual Percentage Yield.
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.
