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Choose Your Term and Start Saving
Term Share Certificates (TSC) are accounts offered by credit unions that are similar to Certificates 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 3 months – 60 months. It is a 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.
Benefits of Term Share Certificates:
- Terms ranging from 3 months – 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 Administration, excess coverage up to $200,000 with American Share Insurance per individual depositor
- No monthly maintenance fees
Certificates are subject to a penalty for early withdrawal
| Term | Minimum Deposit to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY | Rate Type | Compounded / Paid | Maximum Balance | Special Terms |
|---|---|---|---|---|---|---|---|---|
12 Month New Member | $1,000 | $1,000 | 4.65% | 4.75% | Fixed | Monthly | $100,000 | For new members only. Restrictions apply. Learn more. |
| 3 Month | $1,000 | $1,000 | 3.69% | 3.75% | Fixed | Monthly | - | - |
| 6 Month | $1,000 | $1,000 | 3.69% | 3.75% | Fixed | Monthly | - | - |
| 9 Month | $1,000 | $1,000 | 3.69% | 3.75% | Fixed | Monthly | - | - |
| 12 Month | $1,000 | $1,000 | 3.45% | 3.50% | Fixed | Monthly | - | - |
| 18 Month | $1,000 | $1,000 | 2.96% | 3.00% | Fixed | Monthly | - | - |
| 24 Month | $1,000 | $1,000 | 2.72% | 2.75% | Fixed | Monthly | - | - |
| 36 Month | $1,000 | $1,000 | 2.72% | 2.75% | Fixed | Monthly | - | - |
| 48 Month | $1,000 | $1,000 | 2.72% | 2.75% | Fixed | Monthly | - | - |
| 60 Month | $1,000 | $1,000 | 2.72% | 2.75% | Fixed | Monthly | - | - |
As a special “Thank You” when you join America’s Christian Credit Union, you can take advantage of our New Member Certificate, which boasts a special high-rate & term to help maximize your savings. But act fast — this offer is only available for the first 60 days from when you open your ACCU membership!
- $1,000 minimum deposit
- $100,000 maximum deposit
- 12-month term
National Credit Union Insurance Fund
Your deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the National Credit Union Administration, an independent agency of the United States Government. Your deposits are insured up to $250,000 per individual account and up to $250,000 for Individual Retirement Accounts.
American Share Insurance
Members of America’s Christian Credit Union with qualifying personal accounts exceeding the maximum level of coverage provided by the NCUA are also insured up to an additional $200,000 by ASI for a total of $450,000 of coverage. And, qualifying business/church accounts exceeding the maximum level of NCUA coverage are also insured up to an additional $100,000 by ASI for a total of $350,000 of coverage. ASI’s additional insurance coverage at America’s Christian Credit Union only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.
Use this calculator to help determine the potential dividend growth and tax liability on your Term Share Certificate.
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. This calculator is not an offer of credit nor a guarantee of approval.
What is a Term Share Certificate?
A Term Share Certificate is a savings product that you can invest your money in and withdraw with interest at maturity. All ACCU certificates are insured up to $250,000 by the NCUA (National Credit Union Administration).
Is there a minimum deposit required to open a Term Share Certificate?
Yes, there is a $1,000 minimum deposit required at account opening. Whether you are coming to us an experienced saver or just starting, a TSC is a perfect way to earn interest while keeping your money safe and secure.
Is there a penalty for early withdrawal?
Yes, there is a penalty for withdrawal. See America’s Christian Credit Union’s Truth In Savings for full details.
1 – APY = Annual Percentage Yield. APY is the percentage reflecting the total amount of interest that could be paid on an account based on the interest rate and frequency of compounding. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. Penalty for early withdrawal. Minimum balance of $1,000 is required in order to open Term Share Certificate and earn dividends. Fees may reduce earnings. All program rates, offers, terms and conditions are subject to change without notice. Visit AmericasChristianCU.com/Rates for the most up-to-date information.
2 – Minimum deposit to earn the stated APY is $1,000; maximum deposit is $100,000. Early withdrawal penalties do apply which may reduce the principal and reduce earnings. No additional deposits can be made during the term of the New Member Term Share Certificate. Must be opened with 60 days of account opening; or by a member who has not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. At maturity, the promotional Term Share Certificate will renew as a traditional Term Share Certificate for another 12-month term at the prevailing rate unless we are notified prior to or within 7 days of maturity date. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply.