We're all about supporting your financial goals. That's why we've increased rates on many of our certificates, including our 14- and 22-month promotional certificates! Now you can earn more by locking in a guaranteed rate, and worry less about the ups and downs of the market. Open your certificate online, in a branch or over the phone at 800.325.0808 to start earning a competitive rate! FEATURED CERTIFICATES Promotional Certificates are available as an Individual Retirement Account (IRA) Certificate, Share Certificate, or Business Certificate. 14-Month Promotional Certificate 0.65% APY1 on balances of $100,000 or more 0.60% APY1 on balances of $50,000 to $99,999 0.55% APY1 on balances of $500 to $49,999 22-Month Promotional Certificate 0.65% APY2 on balances of $100,000 or more 0.60% APY2 on balances of $50,000 to $99,999 0.55% APY2 on balances of $500 to $49,999 ADDITIONAL RATES AND TERMS We've increased rates on a variety of terms to help you meet your financial goals. All certificates below can be opened with a minimum deposit of $500. Looking for more options? View all rates and terms > Certificates 0.40% APY* for 12 months 0.30% APY* for 15 months3 0.45% APY* for 18 months 0.50% APY* for 24 months 0.35% APY* for 30 months3 0.65% APY* for 36 months 0.70% APY* for 48 months 0.80% APY* for 60 months Open a CertificateBusiness Certificates 0.40% APY* for 12 months 0.45% APY* for 18 months 0.35% APY* for 30 months3 0.65% APY* for 36 months 0.80% APY for 60 months FAQS What is a certificate? A certificate is a savings account that is often considered one of the safest ways to save, and holds a fixed amount of funds for a fixed amount of time, also called a term. Terms can range anywhere from one month to 5 years. During the term, the credit union will pay dividends on your funds until the date of maturity, resulting in a guaranteed dividend. How much do I need to open a certificate? Most of our certificates can be opened with a minimum deposit of just $500. What are the benefits of a certificate with Affinity? There are many benefits to opening a certificate, including Guaranteed returns with a fixed dividend rate Safety, with funds insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency Flexibility, with terms ranging from one month to 5 years No monthly maintenance fees Are my certificate funds insured? Yes, your funds are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration (NCUA), a U.S. government agency. What happens at the end of my certificate term? At the end of the term, also called the date of maturity, your initial investment, plus all the dividend will automatically enroll into a new certificate specified in your account disclosure. However, you have the option to deposit the funds into a checking or savings account by notifying us within 10 days of your certificate maturity date. Please refer to your Truth In Savings for complete certificate maturity details.