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

Minimum Balance of $5 for Minor Share Account.

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 Funds withdrawn from an AFCU account and redeposited within a 30-day period cannot be used to fund this Share Certificate account. Early withdrawal penalties may apply. Payroll direct deposits are not considered new money. A minimum deposit of $1,000 is required. Offer valid September 1, 2026 through September 30, 2026.
 

**12-month 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.
 

***12-month Rainy Day Share Certificate — Available to new or existing 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 

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.

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