Deposit Rates

Rate information is accurate as of the specific dates indicated, if any, and is subject to change. Members should contact ACU for any potential changes since rates were posted.

Standard Share & IRA Certificates  (# denotes term available for IRA CD)
Term Dividend
Rate
Standard
*A.P.Y.
Jumbo
Div Rate
Jumbo
*A.P.Y.
Minimum Deposit
6 Month 0.60% 0.60% 0.80% 0.80% $500 for Standard CD
$1,000 for IRA CD
$35,000 for Jumbo CD

Note: Jumbo rate not
available for IRA CDs.
9 Month 0.60% 0.60% 0.80% 0.80%
12 Month # 0.70% 0.70% 0.90% 0.90%
18 Month 0.70% 0.70% 0.90% 0.90%
24 Month # 1.00% 1.00% 1.19% 1.20%
36 Month # 1.24% 1.25% 1.44% 1.45%
48 Month # 1.64% 1.65% 1.835% 1.85%
60 Month # 1.88% 1.90% 2.08% 2.10%
Share Certificates with Rate Bump Option (Not available for IRA CDs)
36 Month 1.045% 1.05% 1.245% 1.25% Standard Rate: $5,000
Jumbo Rate: $35,000
48 Month 1.44% 1.45% 1.64% 1.65%
60 Month 1.69% 1.70% 1.88% 1.90%
Certificate of Deposit Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. is current as of Jun 22, 2016.
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
# indicates term available for Traditional / Roth IRA Certificates. Jumbo and rate-bump options not available for IRA CD's.


Deposit Accounts
Account Type Dividend
Rate
*A.P.Y. Dividends
Compounded
Dividends
Paid
Minimum Amt to
Recv Dividend
Regular Shares1 0.30% 0.30% Quarterly Quarterly N/A
Money Market 2
     Tier 1 ($0.00 to $499.99)
     Tier 2 ($500.00 to $4,999.99)
     Tier 3 ($5,000.00 to $49,999.99)
     Tier 4 ($50,000.00+)

0.00%
0.50%
0.50%
0.70%

0.00%
0.50%
0.50%
0.70%
DailyMonthly $500.00
Health Savings Account 2 0.995% 1.00% DailyMonthly$50.00
Traditional / Roth IRA 2 0.30% 0.30% DailyMonthly$5.00
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
1 Quarterly dividend rates on regular shares are set by the ACU Board of Directors and are published at the end of the quarter.
2 *A.P.Y. current as of Jun 22, 2016. The dividends are variable rates, compounded daily and paid monthly.

Checking Rates
Account Type Dividend
Rate
*A.P.Y. Dividends
Compounded
Dividends
Paid
 
Tier 1 ($500-$9,999.99) 0.10% 0.10% DailyMonthly  
Tier 2 ($10,000-$49,999.99) 0.10% 0.10%
Tier 3 ($50,000+) 0.50% 0.50%
*A.P.Y. current as of Jun 22, 2016. The dividends are variable rates, compounded daily and paid monthly. A minimum balance of $500 is required to earn dividends. Rate may change after the account is opened. Fees may reduce earnings on the account.

Club Account Rates
Account Type Dividend
Rate
*A.P.Y. Dividends
Compounded
Dividends
Paid
Posting Date
Christmas Club3 (first $3,000 on deposit) 2.00% 2.00% AnnuallyAnnuallyNovember 1
Vacation Club3 (first $3,000 on deposit) 2.00% 2.00% AnnuallyAnnuallyMay 1
CD Builder Club 0.50% 0.50% DailyMonthly**
Rate may change after opening any of the above accounts. Fees may reduce earnings on the account. No minimum balance is required to open club or builder accounts or to earn stated dividend.

3 Annual dividend rates on Christmas and Vacation Club accounts are set by the ACU Board of Directors and are published at the end of the quarter preceding the annual posting date. Stated rate on Christmas and Vacation Club account applies to only the first $3,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date.

** Balance will be automatically invested into a certificate when balance exceeds $500.

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*A.P.Y. refers to Annual Percentage Yield