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Kevin Sheffield
Director of Business Lending
Discover hassle-free banking with ACFCU. Our free business checking account offers great rewards and is tailored to meet the unique needs of Arlington’s businesses, putting your success first.
Free Business Checking
All the basics, plus a lot more
Your business checking account is at the center of your day-to-day operations. From paying vendors and managing payroll to making deposits and monitoring activity, there’s always something happening. That’s why we’ve designed our Free Business Checking account to give you the tools and convenience you need to manage your business efficiently, without unnecessary fees or requirements.
It’s the account that keeps your business moving
Write all the checks you need. Monitor account activity and manage payments with our enhanced Online Business Banking platform. Access your accounts anytime through online and mobile banking, use your Visa® Debit Card for everyday business purchases, and take advantage of powerful business banking tools that provide the oversight and authorization capabilities growing businesses need. Best of all, it comes at no monthly cost.
- No minimum balance requirements
- No monthly maintenance fees
- Unlimited check writing
- Enhanced Online Business Banking platform with business oversight and authorization tools
- Online and Mobile Banking access
- Convenient online Bill Pay services
- Free Visa® Debit Card for everyday business purchases
- Access to 80,000 surcharge-free ATMs nationwide
- Savings Account overdraft protection available
Certificates
Tailored savings solutions for every business.
At ACFCU, our certificates offer rates well above the national average3, ensuring your money grows securely and efficiently. Whether you’re setting aside company savings for a fixed period or aiming to maximize returns with a larger deposit, our range of certificates is designed to meet both short- and long-term savings goals. Speak to a member service representative to find the certificate that best aligns with your specific financial needs.
- Minimum $500 to open for standard certificates
- Minimum $100,000 to open for jumbo certificates
- Fixed rate of return
- Terms available: Six, 12, 15, 18, 24, 36, 48, and 60 months for standard certificates
- Terms available: Six, 12, and 24 months for jumbo certificates
- Automatic renewal at term’s end
12 MONTH TERM
3.90
%
APY
Rates Effective: February 12, 2026| TERM | ANNUAL PERCENTAGE YIELD | PLATINUM APY* | MINIMUM TO EARN DIVIDENDS | MINIMUM OPENING BALANCE |
|---|---|---|---|---|
| TERM Share Certificate | ANNUAL PERCENTAGE YIELD | PLATINUM APY* | MINIMUM TO EARN DIVIDENDS | MINIMUM OPENING BALANCE |
| TERM 6 Months | ANNUAL PERCENTAGE YIELD 3.60% | PLATINUM APY* 3.70% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM 12 Months | ANNUAL PERCENTAGE YIELD 3.80% | PLATINUM APY* 3.90% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM 15 Months | ANNUAL PERCENTAGE YIELD 3.80% | PLATINUM APY* 3.90% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM 18 Months | ANNUAL PERCENTAGE YIELD 3.55% | PLATINUM APY* 3.65% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM 24 Months | ANNUAL PERCENTAGE YIELD 3.70% | PLATINUM APY* 3.80% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM 36 Months | ANNUAL PERCENTAGE YIELD 3.55% | PLATINUM APY* 3.65% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM 48 Months | ANNUAL PERCENTAGE YIELD 3.60% | PLATINUM APY* 3.70% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM 60 Months | ANNUAL PERCENTAGE YIELD 3.65% | PLATINUM APY* 3.75% | MINIMUM TO EARN DIVIDENDS $500.00 | MINIMUM OPENING BALANCE $500.00 |
| TERM Jumbo Certificate | ANNUAL PERCENTAGE YIELD | PLATINUM APY* | MINIMUM TO EARN DIVIDENDS | MINIMUM OPENING BALANCE |
| TERM 6 Months | ANNUAL PERCENTAGE YIELD 3.60% | PLATINUM APY* 3.70% | MINIMUM TO EARN DIVIDENDS $100,000.00 | MINIMUM OPENING BALANCE $100,000.00 |
| TERM 12 Months | ANNUAL PERCENTAGE YIELD 3.80% | PLATINUM APY* 3.90% | MINIMUM TO EARN DIVIDENDS $100,000.00 | MINIMUM OPENING BALANCE $100,000.00 |
| TERM 24 Months | ANNUAL PERCENTAGE YIELD 3.70% | PLATINUM APY* 3.80% | MINIMUM TO EARN DIVIDENDS $100,000.00 | MINIMUM OPENING BALANCE $100,000.00 |
Money Market Savings Account
More for your business to rely on.
Keep your company’s excess cash in an insured account that earns higher dividends than what’s offered by many banks—and offers you convenient access to your funds. It’s the best of all worlds for businesses looking to securely strengthen their financial foundation. To open yours, speak to an ACFCU member service representative.
- Minimum $2,500 to open
- Earn a competitive rate
- Free checks
- Easy online and mobile account monitoring
Banking conveniences that leave you more time for your business.
At Arlington Community Federal Credit Union, your business checking or savings account comes complete with a range of conveniences that make it easier to manage your money, so you can focus on growing your business.
Night deposit service
because your business isn’t always 9 to 5
Check reorders
made simple by calling 703.526.0200, X4
Integrated payroll, HR, and benefits solutions
provided by Paychex® which simplifies the administration of HR
and payroll while providing support when you need it – freeing you to focus on running and growing your business.
Credit card payment processing
provided by Trust Merchant Services to help your business thrive by accepting more types of payments – from magnetic-strip and EMV chip cards to contactless – with the most advanced POS on the market at a low price that stays low.
Meet Your Commercial Banking Lender
Manage your money anytime, anywhere with our mobile app.
The Fine Print
*APY = Annual Percentage Yield.
☨Cash back is calculated based on the total dollar amount of qualifying debit card transactions. Account will not be dividend bearing. 1% cash back on first $1,000 in transactions. Maximum cash back is $10. For minimum requirements to be met, actions must be performed and must clear/post to the account during the qualification period. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. Swipe & Sign, PIN, and Debit Bill Pay transactions must have cleared account by the end of the month. Standard fees will apply such as an account that has been inactive for longer than 12 months. No ofterdraft fees for debit card transactions or ACH transactions that overdraw by less than $30. Overdraft fees must be repaid within 45 days. Courtesy Pay will not be paid if Courtesy Pay is disabled and the transaction is declined. In those cases an NSF fee will be charged. Courtesy Pay covers the following types of transactions: checks, ACH and other transactions mae using a checking account, automatic bill payments, recurring transactions set up using your debit card, ATM transactions, everyday debit card transactions, Point of Sale (POS) transactions. ATM transactions, everyday debit card transactions, and Point of Sale (POS) transactions require separate opt-in.
1Up to $10 of ATM fees reversed if reward criteria is met.
2Carrier rates and fees may apply.
3Based on Bankrate’s ‘Best CD Rates for May 2025’ 1.5 month term products [bankrate.com/banking/cds/cd-rates], accurate as of May 7, 2025.
Membership required. Federally insured by NCUA.
All Certificates: A penalty for early withdrawal may be imposed. Fees may reduce earnings. Rates effective as of December 9, 2022. Rates are subject to change without notice. Membership eligibility requirements apply. Federally Insured by NCUA.
Share & IRA Certificates: Minimum to earn dividends: $500.
Jumbo Certificates: Minimum to earn dividends: $100,000.
Platinum Certificates: APYs are 0.10% higher. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.
Share Builder Certificate: Deposits can be added at any time during the certificate program
Please do not submit your account number or social security number via email or contact form. Information sent is at risk of loss of confidentiality if the information is transmitted over the internet.