Deposit Rates
Savings & Checking
Savings
Interest Rate/APR
APY
Savings ($50 & up) minimum account opening $5
.35%
.35%
Elite Checking - ($500 & up)
.25%
.25%
Business Checking - ($200 & up)
.15%
.15%
Money Market
Minimum Balance
Interest Rate/APR
APY
$2,500
.50%
.50%
$10,000
.55%
.55%
$25,000
.60%
.60%
$50,000
.65%
.65%
$100,000
.70%
.70%
NEW! No Penalty Certificate
$5,000 minimum
Special Certificate Type
Interest Rate/APR
APY
8 Months
4.50%
4.60%
Certificates
Certificate Type
Interest Rate/APR
APY
3 Month Certificate – $1,000 Minimum
3.64%
3.70%
6 Month Certificate – $1,000 Minimum
3.72%
3.78%
12 Month Certificate – $1,000 Minimum
3.88%
3.95%
24 Month Certificate – $1,000 Minimum
3.50%
3.56%
36 Month Certificate – $1,000 Minimum
3.53%
3.59%
48 Month Certificate – $1,000 Minimum
3.15%
3.20%
60 Month Certificate – $1,000 Minimum
3.25%
3.30%
Kidicate – 24 Month – $100 minimum
3.68%
3.75%
Traditional IRA’s & Roth IRA’s
Certificate Type
Interest Rate/APR
APY
IRA Shares ($50 & up)
.35%
.35%
3 Month IRA Certificate – $1,000 Minimum
3.64%
3.70%
6 Month IRA Certificate – $1,000 Minimum
3.72%
3.78%
12 Month IRA Certificate – $1,000 Minimum
3.88%
3.95%
24 Month IRA Certificate – $1,000 Minimum
3.50%
3.56%
36 Month IRA Certificate – $1,000 Minimum
3.53%
3.59%
48 Month IRA Certificate – $1,000 Minimum
3.15%
3.20%
60 Month IRA Certificate – $1,000 Minimum
3.25%
3.30%
APR = Annual Percentage Rate. APY = Annual Percentage Yield
*New Money = Money not on deposit with ACFCU prior to opening certificate of deposit.
Rates effective as of 04/02/2025. Rates are subject to change without notice.
Early withdrawal penalties may apply, and fees may reduce potential earnings.
REWARDS do not apply to Special CD.