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Certificates

Highest yield fixed rate savings product

AMUCU offers a variety of Certificate Accounts (CDs) with competitive rates, flexible terms from 3 months to 5 years, and the option for automatic renewal. These accounts are designed to help you save with the security of fixed interest rates and guaranteed returns over the term you choose.

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Account Details

Regular Certificate

Jumbo certificate

Dedicated saver certificate

Retirement (IRA) Certificate

Account Details

Shared features for all certificates

AMUCU offers fixed-rate Certificate Accounts with terms from 6 to 60 months, compounded monthly dividends, and features like online banking and an end-of-year reward, with federal insurance by the NCUA.

  • Variety of Fixed Terms from 6 to 60 months
  • Highest yield fixed rate savings option
  • Dividends are compounded on the average daily balance & paid monthly
  • Penalty to withdraw funds before maturity is 180 days of dividends
  • Online & Mobile Banking
  • End-of-Year Member Reward Dividend
  • Federally insured by the NCUA

Regular Certificate

AMUCU offers certificate accounts with a $500 minimum deposit, higher dividend rates for GoldStar® members, and occasional 8 or 10-month limited-time specials.

  • Minimum deposit of $500
  • GoldStar® members receive a higher dividend interest rate
  • Occasionally offer 8 or 10 Month Limited-Time Specials
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Jumbo Certificate

AMUCU offers Jumbo certificates with a $100,000 minimum deposit, higher dividend rates for GoldStar® members, and occasional 8 or 10-month limited-time specials.

  • Minimum deposit of $100,000
  • GoldStar® members receive a higher dividend interest rate
  • Occassionally offer 8 or 10 Month Limited-Time Specials
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Dedicated Saver Certificate

AMUCU offers a special account requiring a $5 minimum deposit and monthly auto-deposits from savings, with the unique ability to add funds monthly, but not available for limited-time certificate specials.

  • Minimum deposit of $5
  • Ability to add funds every month (only allowed on this account)
  • Requires $5 minimum monthly auto-deposit from savings account
  • Not available on limited-time certificate specials
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Retirement (IRA) Certificate

AMUCU offers IRA certificates with a $500 minimum deposit, requiring a Retirement Savings Account, with higher dividend rates for GoldStar® members, occasional 8 or 10-month specials, and penalties for early withdrawals before age 59.5.

  • Minimum deposit of $500
  • Requires Retirement (IRA) Savings Account
  • Re-invest retirement savings into higher dividend certificates to earn more
  • GoldStar® members receive a higher dividend interest rate
  • For Retirement Plan Contribution Limits (visit IRS.gov)
  • Penalties for withdrawals made before the age of 59.5
  • Occasionally offer 8 or 10 Month Limited-Time Specials???
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American United FCU Member

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Regular Certificate Rates

Rates up to date as of July 3, 2024. Rates subject to change without notice.

Certificate Term1Dividend RateGoldStar® Membership2
Dividend Rate
Minimum Balance3Dedicated Saver4
Minimum Balance
6-month5.032% (5.150% APY)5.128% (5.250% APY) $500+$5+
12-month4.889% (5.000% APY)4.985% (5.100% APY) $500+$5+
18-month4.218% (4.300% APY) 4.314% (4.400% APY) $500+$5+
24-month4.218% (4.300% APY) 4.314% (4.400% APY) $500+$5+
36-month4.025% (4.100% APY)4.121% (4.200% APY) $500+$5+
48-month3.832% (3.900% APY)3.929% (4.000% APY) $500+$5+
60-month3.832% (3.900% APY)3.929% (4.000% APY) $500+$5+

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
2. Additional requirements apply for GoldStar® membership.
3. Minimum balance to open and earn the APY for certificate and IRA certificate accounts is $500. Additional deposits are not allowed after opening.
4. Minimum balance to open and earn the APY for Dedicated Saver certificate and IRA certificate accounts is $5. Additional deposits are allowed after opening and require automatic transfers of at least $5 per month.

Jumbo Certificate Rates

Rates up to date as of June 3, 2024. Rates subject to change without notice

Rates up to date as of July 3, 2024. Rates subject to change without notice.

Certificate Term1Dividend RateGoldStar® Membership2
Dividend Rate
Minimum Balance3
6-month5.128% (5.250% APY)5.223% (5.350% APY)$100,000+
12-month4.985% (5.100% APY)5.080% (5.200% APY)$100,000+
18-month4.314% (4.400% APY)4.410% (4.500% APY) $100,000+
24-month4.314% (4.400% APY)4.410% (4.500% APY) $100,000+
36-month4.121% (4.200% APY)4.218% (4.300% APY)$100,000+
48-month3.929% (4.000% APY)4.025% (4.100% APY) $100,000+
60-month3.929% (4.000% APY)4.025% (4.100% APY) $100,000+

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
2. Additional requirements apply for GoldStar® membership.
3. Minimum balance to open and earn the APY for Jumbo certificate & Jumbo IRA certificate accounts is $100,000. Additional deposits are not allowed after opened.

Upgrade to Goldstar® membership

  • Higher Monthly Dividend Rates on Balances $500+
  • Higher Dividend Rates on Savings & Certificate Accounts
  • Loan Rate Discounts on Vehicle & Personal Loans
  • Access to No Cost Identity Theft Protection
  • Free or discounted services & additional rewards
GOLDSTAR® MEMBERSHIP