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Earn More with a Term Share Certificate

Could your money be working hard enough? Whether you are investing in a brokerage account or earning small dividends in a savings account, we think your money should be working harder to earn you more!  

Term Share Certificate (TSC) is an account offered by credit unions which is similar to a Certificate of Deposit (CD) you might find at a bank. A TSC pays higher interest rates over a fixed period of time, known as a term, for a guaranteed return. When you place funds, you don't immediately need into a TSC you can earn higher dividends without daily management or fees. This is a low-risk way to maximize your savings because deposits made with ACCU are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) and American Share Insurance. 

ACCU's TSCs feature a high rate of return with terms ranging from 90 days – 60 months. It is the safe way to grow your savings with a return you can count on. Plus, you can spend the time you would have spent watching the stock market with your family because you can rest assured that your return will not change as the market fluctuates.

  • Terms ranging from 90 days – 60 months
  • Guaranteed, fixed rate for term selected (from 3 months – 60 months)
  • $1,000 minimum deposit to open
  • Deposits federally insured up to $250,000 with the National Credit Union Association, excess coverage up to $200,000 with American Share Insurance per individual depositor.
  • No monthly maintenance fees

Personal Term Share Certificates Learn More

Term Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
90 Days $1,000 $1,000  0.30% 0.30% Fixed Monthly
6 Month $1,000 $1,000 0.35% 0.35% Fixed Monthly
9 Month $1,000 $1,000 0.40% 0.40% Fixed Monthly
12 Month $1,000 $1,000 0.45% 0.45% Fixed Monthly
18 Month $1,000 $1,000 0.45% 0.45% Fixed Monthly
24 Month $1,000 $1,000 0.50% 0.50% Fixed Monthly
36 Month $1,000 $1,000 0.55% 0.55% Fixed Monthly
48 Month $1,000 $1,000 0.60% 0.60% Fixed Monthly
60 Month $1,000 $1,000 0.70% 0.70% Fixed Monthly

APY assumes that dividends will remain in the account until maturity.

Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividends.

Federally insured by the National Credit Union Administration to $250,000. Excess coverage for consumer accounts up to $200,000 by American Share Insurance.

Must qualify for membership. A $2 membership fee may apply. The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details. 

Personal Membership Forms

Become a Member

If submitting a paper application, please complete the Membership Application and Account Agreement and a Personal Profile for each account holder. 

Specialized Accounts

Additional Account Forms

Existing Member - Add Accounts


Membership Information

  • Consumer Fee Schedule ( Print )
  • Overdraft Privilege Program Disclosure ( Print )
  • Statement of Faith ( Print )

Member Relations

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