On Tuesday, December 24 - All branch locations and contact center will close at noon.
On Wednesday, December 25 - All branch locations and contact center will be closed.
In the event of a government shutdown, we are ready to help affected members. Learn More.
Start saving on your terms! Flexible CD terms from 3-60 months and everywhere in-between!
Certificates
Account Features
Safely grow money you don't need now by locking in a fixed rate for the term you choose.
- Earn dividend rates and no maximum balance limit
- A fixed rate for the term of your certificate
- Minimum opening deposit of $500
- Flexible term options from 3 to 60 months
Can I join?
You don't have to be military to bank with us. There are hundreds of ways you can become a member!
Check Eligibility
| Term | Dividend Rate | APY* 1 | Alert Me |
|---|---|---|---|
| 3-5 months | 3.445% | 3.50% | Receive a notification when this rate changes |
| 6-11 months | 3.832% | 3.90% | Receive a notification when this rate changes |
| 12-17 months | 4.169% | 4.25% | Receive a notification when this rate changes |
| 18-23 months | 3.735% | 3.80% | Receive a notification when this rate changes |
| 24-29 months | 3.542% | 3.60% | Receive a notification when this rate changes |
| 30-35 months | 3.590% | 3.65% | Receive a notification when this rate changes |
| 36-41 months | 3.590% | 3.65% | Receive a notification when this rate changes |
| 42-47 months | 3.542% | 3.60% | Receive a notification when this rate changes |
| 48-53 months | 3.542% | 3.60% | Receive a notification when this rate changes |
| 54-60 months | 3.445% | 3.50% | Receive a notification when this rate changes |
Certificate Calculator
Calculate the potential earnings from your certificate account.
Don't Skip Your Rewards
What are you waiting for? You could be earning rewards just for doing the things you already do each day.
Explore Checking Accounts
Locations & ATMs
Find an AACU branch or ATM or locate thousands of surcharge-free ATMs or shared branch locations in the U.S. and Canada.
Meet With A Financial Coach
You deserve answers to all your financial questions. If it's important to you, it's important to us! Let's talk about your goals!
Deposit Rates
Check out current rates for checking, savings, certificates, and IRAs.
Explore More Accounts
Not ready to commit? That's okay. Check out our other Savings accounts - we know you'll find one that works for you!
*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. Rates subject to change. Fees may reduce earnings. Restrictions and requirements apply.