为明天和以后保存。

证明书

储蓄更聪明。赚得更多。 Higher returns with rates up to 4.90% APY*.

Much like a bank CD, certificates let you store your money for a fixed amount of time, earning you higher returns than a typical checking or savings account.

 

18 Month Platinum img

18 Month Platinum

Not Too Long, Not Too Short – Just Right.

Hurry! This industry leading rate is only available for a limited time!1

A lot can happen in a year and a half. A new family member, a new home or planning for your dream vacation. Our 18-month certificate offers short-term flexibility and long-term stability to help you save for these important milestones. With rates up to 4.80% APY*, you’ll be prepared for every new step of life’s journey.

  • 至少$500才能打开
  • 有自动更新选项
  • 固定收益率
开设账户
日历图标 Rates Effective: 3 月 29, 2024
术语 年收益率百分比 铂金APY* 赚取红利的最低限度 最低开户余额
术语 18个月 年收益率百分比 4.70% 铂金APY* 4.80% 赚取红利的最低限度 $500.00 最低开户余额 $500.00

Why save with a certificate?

是什么让ACFCU的证书账户成为聪明储蓄者的最佳选择?虽然每个账户都是为特定需求而设计的,但它们都提供了巨大的好处。

伟大的费率的标志

优秀率

你的钱会比一般的储蓄账户赚得更多

安全与保障的标志

安全与保障

你的钱是由NCUA保险的

易于管理的标志

易于管理

到期时有自动续期选项,你的储蓄继续为你工作。

6 to 60 Month Term Options img

6 to 60 Month Term Options

$500 Minimum to Open

为买房的首付、即将到来的退休生活或下一个假期而储蓄。股票证书(以及为有退休账户的会员提供的IRA证书)是低风险、高收益和期限友好的。

  • 至少$500才能打开
  • 6个月、12个月、15个月、18个月、24个月、36个月、48个月和60个月的期限
  • 有自动更新选项
  • 固定收益率
开设账户
日历图标 Rates Effective: 5 月 1, 2024
术语 年收益率百分比 铂金APY* 赚取红利的最低限度 最低开户余额
术语 6个月 年收益率百分比 4.55% 铂金APY* 4.65% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 12个月 年收益率百分比 4.80% 铂金APY* 4.90% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 15个月 年收益率百分比 4.65% 铂金APY* 4.75% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 15个月 (无罚金!)2 年收益率百分比 4.55% 铂金APY* 4.65% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 18个月 年收益率百分比 4.70% 铂金APY* 4.80% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 24个月 年收益率百分比 4.40% 铂金APY* 4.50% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 36个月 年收益率百分比 3.85% 铂金APY* 3.95% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 48个月 年收益率百分比 3.90% 铂金APY* 4.00% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
术语 60个月 年收益率百分比 3.90% 铂金APY* 4.00% 赚取红利的最低限度 $500.00 最低开户余额 $500.00
12 Month Fixed Term Share Builder Certificate img

12 Month Fixed Term Share Builder Certificate

$25 Minimum to Open

用最低限度的股票构建者证书来启动你的净资产--并增加它。提前取款费用有助于让你对你的未来负责,避免生活中的小诱惑。

  • 至少$25才能打开
  • 固定的12个月任期
  • 在学期中随时添加资金
  • 轻松地从你的支票账户设置经常性转账
  • 赚取更多 白金级别的关系奖励
开设账户
日历图标 Rates Effective: 3 月 29, 2024
术语 年收益率百分比 赚取红利的最低限度 最低开户余额
术语 12个月 年收益率百分比 4.80% 赚取红利的最低限度 $25.00 最低开户余额 $25.00
6 to 24 Month Term Jumbo Share Certificate img

6 to 24 Month Term Jumbo Share Certificate

$100,000 Minimum to Open

更大的存款意味着更大的红利--就是这么简单。我们的巨额股票证书提供了更高的收益率,可以帮助垫高你已经积攒的一切。

  • 最低$10万即可开通
  • 6个月、12个月和24个月的任期
开设账户
日历图标 Rates Effective: 5 月 1, 2024
术语 年收益率百分比 铂金APY* 赚取红利的最低限度 最低开户余额
术语 6个月 年收益率百分比 4.55% 铂金APY* 4.65% 赚取红利的最低限度 $100,000.00 最低开户余额 $100,000.00
术语 12个月 年收益率百分比 4.80% 铂金APY* 4.90% 赚取红利的最低限度 $100,000.00 最低开户余额 $100,000.00
术语 24个月 年收益率百分比 4.40% 铂金APY* 4.50% 赚取红利的最低限度 $100,000.00 最低开户余额 $100,000.00

常见问题

  • What is a certificate?

    A certificate account is similar to a certificate of deposit (CD). It’s a specialized savings option where you invest your money for a set period of time, earning higher dividends than a regular savings account during that time. It’s a fixed term, fixed rate, and fixed principal account.

  • How is a share certificate different from a regular savings account?

    Unlike a regular savings account, a share certificate has a fixed term and offers a higher interest rate. It requires a commitment to keep the funds deposited for the agreed-upon period.

  • How do I open a certificate?

    You can open a certificate by phone, computer, or by visiting one of our branch locations.

    By Phone:

    • Give us a call at 703.526.0200
    • Log into the mobile app

     

    By Computer:

    • If you’re already a member, click “Log In” at the top of the page and complete the application
    • If you’re not already a member, click “Open Account” and complete the application

     

    By Branch:

    • Columbia Pike Branch: 5666 Columbia Pike, Falls Church, VA 22041
    • Glebe Road Branch: 2130 North Glebe Road, Arlington, VA 22207
  • What is the minimum amount required to open a share certificate?

    The minimum amount required to open a share certificate is different for each of our products. Some certificates, like the Share Builder Certificate, only require $25 to open. Our 6-to-60-month standard Share Certificates require $500 to open. Our Jumbo Loan Certificates require $100,000 to open.

  • Are share certificates insured?

    Yes, funds deposited in share certificates are typically insured up to at least $250,000 by the National Credit Union Administration (NCUA), providing a level of security for your investment.

  • How often are dividends paid on share certificates?

    Dividends are accrued daily and applied monthly.

  • Can I add more money to a share certificate during the term?

    Arlington Community Federal Credit Union allows deposits or withdrawals only at the time of maturity.

  • What's the advantage to longer-term share certificates?

    Longer-term share certificates often offer higher interest rates, providing the potential for increased earnings over the investment period. Sometimes we offer higher rates on shorter-term certificates, so be sure to compare our rates!

  • Can I have more than one share certificate?

    Yes, you can have more than one share certificate at a time. A strategic approach involving multiple certificates with varying terms is known as laddering. Laddering is a financial strategy that involves spreading your funds across multiple certificates with staggered maturity dates. Instead of investing all your money in a single certificate with a fixed term, laddering allows you to have certificates with different maturity dates.

为什么选择阿灵顿

作为一个提供全方位服务的信用社,我们是一个像您一样的会员的合作组织,我们知道,通过团结一致,我们都可以在我们的财务旅程中受益。

金融赋权

我们在这里帮助我们的会员和邻居实现他们的财务目标,过上最好的生活。

奖励体验

我们认为,没有什么比服务于我们的会员更有意义的了,并且相信一次好的转折值得另一次。

诚信至上

我们不仅满足您的金融需求,还承诺做您的好邻居,诚信服务。

细则

*APY = 年百分比收益率。

All Certificates: A penalty for early withdrawal may be imposed. Fees may reduce earnings. Rates effective as of March 29, 2024. 价格如有变动,恕不另行通知。会员资格要求适用。由NCUA提供联邦保险。

股票和IRA证书。赚取红利的最低限额。$500。

巨型证书。赚取红利的最低限额。$100,000。

铂金证书。APYs高出0.10%。铂金奖励开始于保持每月家庭平均总余额在$50,000以上的会员。

股票构建者证书。存款可以在证书项目中的任何时候增加。

1Based on Bankrate’s ‘Best CD Rates for March 2024’ 1.5 month term products [bankrate.com/banking/cds/cd-rates], accurate as of March 26, 2024.

2不符合IRA证书的要求。