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Share Certificates

Rainy Day 12-Month Certificate at 10.00%25 APY


Share Certificate Account

Aerospace Federal Credit Union Share Certificate Accounts are available in 6, 12, 18, 24 and 36-month terms and can be opened with a minimum of $10,000.00. Dividends will post monthly on the last day of each calendar month and at maturity*. Upon maturity, you may roll over those funds into a like-term Share Certificate at the then prevailing rate and/or add additional funds in any denomination. Get started earning more with AFCU!

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* APY = Annual Percentage Yield. Early withdrawal penalty: Paid dividends become part of the principal balance and are not available for withdrawal without a penalty during the remaining term of the Share Certificate. Withdrawal of any portion of the principal balance held in the Share Certificate may not reduce the account below the minimum balance. The penalty on the amount withdrawn will be ninety (90) days dividend or the total dividend earned to date, whichever is less on 6-month term accounts and one hundred eighty (180) days dividend or the total dividend earned to date, whichever is less on 12, 18, 24 and 36-month term accounts. An Early Withdrawal Penalty of seven (7) days of dividends will be assessed on the amount withdrawn between the first six (6) days after the initial deposit to open the account.

For a complete list of fees and conditions, read the Share Certificate Disclosure.

Rainy Day Share Certificate Account

The Rainy Day 12-Month Certificate at 10.00% APY** is available to new or existing AFCU members who meet the following eligibility requirements:

  • Aggregate average daily share balance in all share accounts must be $3,000 or less during the 180 days before Rainy Day Certificate opening.
  • Active or new direct deposit of at least $250 per month to your AFCU Savings Account.
  • Direct deposit must be established by the 20th of the month following the Rainy Day Certificate opening.
  • Initial $250 deposit may come from any source.
  • At certificate opening, member must have or establish:
    • AFCU Checking Account with Debit Card
    • Online Banking with eStatements

Rates Open Account
 

** APY = Annual Percentage Yield. Limit one Rainy Day Certificate per member in good standing. An initial minimum (maximum) deposit of $250 is required to open the account, along with a minimum balance of $250 and direct deposits of at least $250 per month into the Primary Share Account are required to earn the 10.00% APY. Qualifying direct deposits consist of a paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the Primary Share Account from an employer or outside agency. Deposits from other financial institutions do not qualify as direct deposits. $250 maximum deposit will be automatically transferred to this Certificate balance on the 20th day of each calendar month during the twelve (12) month term of this Certificate. AFCU reserves the right to request documentation that the direct deposits qualify. Withdrawal of principal prior to maturity will result in the closure of the certificate and an early withdrawal penalty of 90 days dividend or the total loss of dividends earned to date, whichever is less. Fees may reduce earnings. Offer subject to change without notice. Membership eligibility required. Federally insured by NCUA.

For a complete list of fees and conditions, read the Rainy Day Share Certificate Disclosure.


Not an AFCU member and want to take advantage of this great offer? Click on the "Join" button at the top of this website, then click the "Open Membership" button and follow the instructions - once your membership has been approved you can open and fund a Share Certificate by clicking on the "Open Secondary Account" button and following the instructions.

Youth Share Certificate (College Saver) Account

Our "College Saver" Youth Share Certificate is the perfect way to help you save for your child or grandchild's college education. This certificate has a low minimum opening balance of only $500 so you can help them start saving now! The rate reprices on an annual basis and the certificate reaches maturity and is closed on their 18th birthday. The funds are then transferred to their Share (Savings) Account. 

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