Certificate Offers

Earn more for what matters most

Fast-track your savings

Don't take a chance with your savings! Watch your money grow with Affinity’s 14-month or 22-month certificate special offer. Open an account by visiting a branch or calling 800.325.0808.

Grow your savings with our featured certificates:

14-Month Promotional Certificate

  • Earn up to 0.80% APY1 on deposits of $100,000 or more.
  • Earn up to 0.70% APY1 on deposits of $50,000 to $99,999.
  • Earn up to 0.60% APY1 on deposits of $2,500 $49,999.

22-Month Promotional Certificate

  • Earn up to 0.80% APY2 on deposits of $100,000 or more.
  • Earn up to 0.70% APY2 on deposits of $50,000 to $99,999.
  • Earn up to 0.60% APY2 on deposits of $500 to $49,999.

Why a Certificate Account?

A Certificate Account is a convenient way to save while earning a guaranteed fixed rate dividend for a fixed period of time. Term options ranging from 30 days to 60 months. Open an account today!

1 APY = Annual Percentage Yield. Penalties apply for early withdrawal and fees could reduce the earnings on the account. After the 14-month promotional term is completed, certificate will automatically renew at the time of maturity, to the 12 month term at the current prevailing rate for 12 month certificates. Rate available as of December 17, 2019 and can change at any time. New money required to open 14 month certificate product. New money is defined as funds not on deposit at Affinity Federal Credit Union for longer than 30 days at the time of account opening. Contact an employee for further information about applicable fees and terms.

After a Certificate is opened, you can not make deposits into the account. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. The dividend rate in effect at the time the certificate renews into the new term will be applied to the account. Account holder has a ten (10) day grace period to change the term or close the certificate account without a penalty. We may impose a penalty if you withdraw any of the funds before a Certificate maturity date. The penalty will equal ninety days' dividends on your certificate account with a term of one year or less, and a penalty of up to 182 days’ dividends for certificates with a term of more than one year. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account. It applies whether or not the dividends have been earned. We will impose an early withdrawal penalty of at least seven (7) days’ simple interest if funds are withdrawn within six days of the date of deposit or within six days of the date of the immediately preceding partial withdrawal. We reserve the right to require at least seven days written notice of an intended withdrawal. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. If a Certificate balance falls below $2,500, it will be closed.

14 Month Promotional Certficate Rates, Yields & Information:

Annual Pecentage Yield Minimum Opening Deposit Minimum Balance To Earn Stated Annual Percentage Yield
0.80% $100,000 $100,000 and above
0.70% $50,000 $50,000 to $99,999.99
0.60% $2,500 $2,500 to $49,999.99

2 APY = Annual Percentage Yield. Penalties apply for early withdrawal and fees could reduce the earnings on the account. After the 22 month promotional term is completed, certificate will automatically renew at the time of maturity to the 24 month term at the current prevailing rate for 24 month certificates. Rate available as of December 17, 2019 and can change at any time. New money required to open 22 month certificate product. New money is defined as funds not on deposit at Affinity Federal Credit Union for longer than 30 days at the time of account opening. Contact an employee for further information about applicable fees and terms.

After a Certificate is opened, you can not make deposits into the account. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. The dividend rate in effect at the time the certificate renews into the new term will be applied to the account. Account holder has a ten (10) day grace period to change the term or close the certificate account without a penalty. We may impose a penalty if you withdraw any of the funds before a Certificate maturity date. The penalty will equal ninety days' dividends on your certificate account with a term of one year or less, and a penalty of up to 182 days’ dividends for certificates with a term of more than one year. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. We will impose an early withdrawal penalty of at least seven (7) days’ simple interest if funds are withdrawn within six days of the date of deposit or within six days of the date of the immediately preceding partial withdrawal. We reserve the right to require at least seven days written notice of an intended withdrawal. If a Certificate balance falls below $500, it will be closed.

22 Month Promotional Certficate Rates, Yields & Information:

Annual Pecentage Yield Minimum Opening Deposit Minimum Balance To Earn Stated Annual Percentage Yield
0.80% $100,000 $100,000 and above
0.70% $50,000 $50,000 to $99,999.99
0.60% $500 $500 to $49,999.99