Save for tomorrow and beyond.

Certificates

Much like a bank CD, Arlington Community Federal Credit Union certificates let you store your money with us for a fixed amount of time, earning you higher returns than a typical checking or savings account.

Share & IRA Certificates img

Share & IRA Certificates

For your future goals and dreams.

Save for a down payment on a home, your upcoming retirement, or that next vacation. Share Certificates (and IRA Certificates for members with retirement accounts) are low-risk, high-yield, and term-friendly.

calendar icon Rates Effective: September 18, 2020
Term Annual Percentage Yield Platinum APY* Minimum to Earn Dividends Minimum Opening Balance
Term 6 Month Annual Percentage Yield 0.25% Platinum APY* 0.35% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 12 Month Annual Percentage Yield 0.45% Platinum APY* 0.55% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 15 Month Annual Percentage Yield 0.45% Platinum APY* 0.55% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 15 Month (No Penalty) Annual Percentage Yield 0.35% Platinum APY* 0.45% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 18 Month Annual Percentage Yield 0.55% Platinum APY* 0.65% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 24 Month Annual Percentage Yield 0.60% Platinum APY* 0.70% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 36 Month Annual Percentage Yield 0.65% Platinum APY* 0.75% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 48 Month Annual Percentage Yield 0.70% Platinum APY* 0.80% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Term 60 Month Annual Percentage Yield 0.80% Platinum APY* 0.90% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00

No-Penalty Certificate

Just in case you need it.

Earn more on your money—without locking it all away—with our No-Penalty Certificate. This gives you the option of withdrawing some (or even all) of your balance without penalty. You even receive the dividends you’ve earned so far.

  • Minimum $500 to open
  • Fixed 15-month term
  • Withdraw some (or all) of your money anytime during the term without penalty
  • Automatic renewal options available
  • Earn more with Relationship Rewards at the Platinum level
No-Penalty Certificate img
calendar icon Rates Effective: September 18, 2020
Term Annual Percentage Yield (APY) Platinum APY Minimum to Earn Dividends Minimum Opening Balance
Term 15 Month Certificate No Penalty! Annual Percentage Yield (APY) 0.35% Platinum APY 0.45% Minimum to Earn Dividends $500.00 Minimum Opening Balance $500.00
Share Builder Certificate img

Share Builder Certificate

The perfect place to start.

Kick-start your nest egg with a low-minimum Share Builder Certificate—and add to it. Early withdrawal fees help hold you accountable for your future and avoid life’s little temptations.

  • Minimum $25 to open
  • Fixed 12-month term
  • Add money anytime during the term
  • Easily set up recurring transfers from your checking account
calendar icon Rates Effective: September 18, 2020
Term Annual Percentage Yield Platinum APY* Minimum to Earn Dividends Minimum Opening Balance
Term 12 Month Annual Percentage Yield 0.45% Platinum APY* 0.55% Minimum to Earn Dividends $25.00 Minimum Opening Balance $25.00

Jumbo Share Certificate

Save big, earn big.

A bigger deposit means bigger dividends—it’s that simple. Our Jumbo Share Certificates offer a boosted yield that can help pad everything you’ve already saved up.

Jumbo Share Certificate img
calendar icon Rates Effective: September 18, 2020
Term Annual Percentage Yield Minimum to Earn Dividends Minimum Opening Balance
Term 6 Month Annual Percentage Yield 0.35% Minimum to Earn Dividends $100,000.00 Minimum Opening Balance $100,000.00
Term 12 Month Annual Percentage Yield 0.55% Minimum to Earn Dividends $100,000.00 Minimum Opening Balance $100,000.00
Term 24 Month Annual Percentage Yield 0.70% Minimum to Earn Dividends $100,000.00 Minimum Opening Balance $100,000.00

Many Certificate Choices, Many Advantages

What makes one of ACFCU’s certificate accounts a great choice for smart savers? While each is designed for specific needs, they all offer great benefits.

Logo for Great Rates

Great Rates

You’ll earn more on your money than in a typical savings account

Logo for Safety & Security

Safety & Security

Your money is insured by NCUA

Logo for Easy to Manage

Easy to Manage

With automatic renewal options at maturity, your savings continue working for you

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

*APY = Annual Percentage Yield.

All Certificates: A penalty for early withdrawal may be imposed. Fees may reduce earnings. Rates effective as of September 18, 2020. 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 .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.