Certificate Offers

Earn More. Worry Less.

With a Certificate from Affinity.

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 onlinein 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

  • 1.50% APY2 on balances of $100,000 or more
  • 1.40% APY2 on balances of $50,000 to $99,999
  • 1.30% APY2 on balances of $500 to $49,999

22-Month Promotional Certificate

  • 1.85% APY3 on balances of $100,000 or more
  • 1.75% APY3 on balances of $50,000 to $99,999
  • 1.65% APY3 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

  • 1.25% APY1 for 12 months
  • 1.40% APY1 for 15 months4
  • 1.55% APY1 for 18 months
  • 1.65% APY1 for 24 months
  • 1.50% APY1 for 30 months4
  • 2.00% APY1 for 36 months
  • 2.10% APY1 for 48 months
  • 2.20% APY1 for 60 months

Open a Certificate

Business Certificates

  • 1.25% APY1 for 12 months
  • 1.55% APY1 for 18 months
  • 1.50% APY1 for 30 months4
  • 2.00% APY1 for 36 months
  • 2.20% APY1 for 60 months

FAQS

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.

Most of our certificates can be opened with a minimum deposit of just $500.

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

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.

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.

1. APY = Annual Percentage Yield. Rates are accurate as of June 3, 2022 and are subject to change without notice. After the Certificate is opened, you cannot make deposits into the account. Unless otherwise noted, certificates can be opened with a minimum deposit of $500. The APY is based on an assumption that dividends will remain in the account until maturity. Certificates will automatically renew on the maturity date for the same term unless otherwise noted. The dividend rate in effect at the time the certificate renews will be applied on the account. The account holder has a ten (10) day grace period to change the term or close the certificate account without penalty. Penalties apply for early withdraw and could reduce earnings on the account. If funds are withdrawn before the maturity date, the penalty will equal 90 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 calculated as forfeiture of part of dividends that have been or would have been earned on the account. It applies whether or not 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 (7) 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. Unless otherwise noted, if a certificate falls below $500, it will be closed. Certificates are available to Affinity members only.

2. 14-Month Promotional Certificate: Balances of $100,000 or greater earn an APY of 1.50%. Balances between $50,000 and $99,999.99 earn an APY of 1.40%, and balances between $500 and $49,999.99 earn an APY of 1.30%. On the maturity date, the certificate will automatically renew to a 12-month term at the rate in effect for that term at the time of renewal. Certificate requires a minimum opening deposit of $500. If the certificate falls below $500, it will be closed.

3. 22-Month Promotional Certificate: Balances of $100,000 or greater earn an APY of 1.85%. Balances between $50,000 and $99,999.99 earn an APY of 1.75%, and balances between $500 and $49,999.99 earn an APY of 1.65%. On the maturity date, the certificate will automatically renew to a 24-month certificate at the rate in effect for that term at the time of renewal. Certificate requires a minimum opening deposit of $500. If the certificate falls below $500, it will be closed.

4. 15-Month and 30-Month Certificates: Certificates offer a one-time bump up option during the term.