The process is simple. Select one of our easy options:

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

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

The minimum balance required to open a certificate account is $500.00.

Yes, you may choose to withdraw only your share certificate dividends without penalty.