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Share Rates

Regular, Custodial and IRA Share Accounts
Minimum ADB† Upper ADB† Limit Dividend Rate APY^
$100,000.00 No limit 0.5000% 0.50%
$50,000.00 $99,999.99 0.3500% 0.35%
$25,000.00 $49,999.99 0.2500% 0.25%
$100.00 $24,999.99 0.1500% 0.15%
$5.00 $99.99 0.0500% 0.05%

Open Account

Minimum Balance of $5 for Regular and Custodial Share Accounts. Minimum Balance of $100 for IRA Share Accounts.

Minor Share Savings Rates
Minimum ADB† Upper ADB† Limit Dividend Rate APY^
$5 $13,000.00 0.5000% 0.50%
$13,000.01 No limit 0.0500% 0.05%

Open Account

Minimum Balance of $5 for Minor Share Account

Checking Dividend Rates
Account Type Average Daily Balance Minimum to Obtain APY^ Dividend Rate APY^  
Checking Account $2,500 0.0500% 0.05% Open
 
Minor Checking Account $2,500 0.0500% 0.05% Open
Share Certificate Rates
Share Certificate Accounts Minimum Balance Dividend Rate APY^  
12-month Loyalty Share Certificate** $10,000 4.0249% 4.10% Open
5-month Share Certificate* $1,000 4.0815% 4.16% Open
6-month Share Certificate $10,000 3.9289% 4.00% Open
12-month Share Certificate $10,000 3.7362% 3.80% Open
18-month Share Certificate $10,000 3.5910% 3.65% Open
24-month Share Certificate $10,000 3.5910% 3.65% Open
36-month Share Certificate $10,000 3.4939% 3.55% Open
College Saver Share Certificate $500 3.7362% 3.80% Open

For a complete list of fees and conditions for the 5- to 36-month Share Certificates, read the Share Certificate Terms and Conditions.

Funds from an existing AFCU account (share or loan), or from an external account can both be used to fund a Share Certificate account. A minimum balance of $10,000 is required.
 

*5-month Share Certificate — New money only. Funds from an existing AFCU account cannot be used to fund this 5-month Share Certificate account. Funds withdrawn from an AFCU account and redeposited within a 30-day period cannot be used to fund this Share Certificate account. Payroll direct deposits are not considered new money. A minimum deposit of $1,000 is required. Offer valid November 1, 2025 through November 30, 2025.
 

**Loyalty Share Certificate — Available to members with existing AFCU Share Certificates at maturity. When a certificate matures, it can renew as an AFCU Loyalty Share Certificate. Additional funds can be added to the Loyalty certificate during the seven (7) day maturity period. Additional funds must be new money from another financial institution. Renewal rate determined at date of maturity.
 

These rate schedules illustrate rates applicable to the specified accounts. Dividends are compounded daily and paid monthly on the last business day of the month. This schedule is incorporated as a part of your account agreement with Aerospace Federal Credit Union.

All savings rates are variable. This means that the Dividend Rate and Annual Percentage Yield may change every month as determined by the Board of Directors. Every effort is made to ensure these rates are accurate; exact rates are available at the Credit Union.

Fees could reduce earnings on accounts. Early withdrawal penalties may apply on Share Certificates and Individual Retirement Accounts (IRAs).

Click here for all AFCU policies and disclosures.

† Average Daily Balance
^APY = Annual Percentage Yield

Effective Date: November 1, 2025

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