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Put Your Money to Work

  • Regular and IRA Certificates available
  • Various rates and terms offered
  • $500 minimum balance
  • Dividends paid or compounded monthly
  • Automatic renewal available
  • Important information about Certificate Accounts: Truth in Savings Disclosure


Rates & Terms

Rates effective July 1, 2024, at 7:30 am ET
Rates are subject to change.

TermDividend RateAPY**
Regular & IRA (Traditional & Roth)*
3 months 2.960% 3.000%
5 months - Special Rate!*** 4.890% 5.000%
5 months - New Money Special*** 5.130% 5.250%
6 months 3.445% 3.500%
12 months 4.170% 4.250%
18 months 3.930% 4.000%
24 months 3.690% 3.750%
30 months 3.445% 3.500%
36 months 3.445% 3.500%
48 months 3.445% 3.500%
60 months 3.445% 3.500%

* $500 minimum deposit required. A penalty may be imposed for withdrawals made before maturity.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

***This offer, including the stated APY (Annual Percentage Yield), is effective 3/1/24 beginning at 7:30 am ET. APY assumes dividends remain in the account. A $500 minimum deposit is required with a maximum deposit of $250,000 per member account type will apply. This certificate will automatically transfer to your Primary Share (S1) account at maturity. Penalties for early withdrawal may reduce the earnings on the share certificate account. Share Certificate renewals are not automatically eligible for the promotional Share Certificate rate. This offer can expire at any time, without prior notice. New Money at APCI FCU would consist of bank-to-bank transfers, cash deposits, checks deposited from another financial institution, and wire transfers. Deposits must be presented to APCI no more than 48 hours before opening the New Money Certificate to qualify for the 5.25% APY.


Purchase Your Certificate Today

Select one of our easy options:

  • Log in to APCI eBanking > Open a Subshare > Certificate*
  • Call 800-821-5104 and press 5
  • Visit the Credit Union during normal business hours

* If you have IRA Savings at the Credit Union and would like to transfer funds into an IRA Certificate, you must call or visit the Credit Union. IRA Certificates cannot be opened online.


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