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储蓄更聪明。赚得更多。 Higher returns with rates up to 4.65% 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
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 4.65% 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
Rates Effective: 9 月 3, 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 4.55% | 铂金APY* 4.65% | 赚取红利的最低限度 $500.00 | 最低开户余额 $500.00 |
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。
优秀率
你的钱会比一般的储蓄账户赚得更多
安全与保障
你的钱是由NCUA保险的
易于管理
到期时有自动续期选项，你的储蓄继续为你工作。
Rates Effective: 9 月 3, 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 4.65% | 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 12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 | 年收益率百分比 4.45% | 铂金APY* 4.55% | 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 4.35% | 铂金APY* 4.45% | 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 4.55% | 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 24个月 | 年收益率百分比 4.05% | 铂金APY* 4.15% | 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 |
Rates Effective: 9 月 3, 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 4.65% | 赚取红利的最低限度 $25.00 | 最低开户余额 $25.00 |
Rates Effective: 9 月 3, 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 4.65% | 铂金APY* 4.75% | 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 4.65% | 铂金APY* 4.75% | 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 4.05% | 铂金APY* 4.15% | 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
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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.
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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.
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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
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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.
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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.
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How often are dividends paid on share certificates?
Dividends are accrued daily and applied monthly.
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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.
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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!
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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.
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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。