share certificates - effective april 4, 2025
Certificate Term
|
APY*
|
DIV. RATE
|
| 3-Month Certificate (Limited Time) |
4.30% |
4.22% |
| 6-Month Certificate |
4.07% |
4.00% |
| 12-Month Certificate |
4.00% |
3.93% |
| 18-Month Certificate |
3.75% |
3.69% |
| 24-Month Certificate |
3.75% |
3.69% |
| 30-Month Certificate |
3.75% |
3.69% |
| 36-Month Certificate |
3.50% |
3.45% |
| 48-Month Certificate |
3.50% |
3.45% |
| 60-Month Certificate |
3.50% |
3.45% |
FREQUENTLY ASKED QUESTIONS
What is a Share Certificate?
ANECA Share Certificate Accounts are a type of savings account that has a fixed term and earns interest at a fixed rate. The rates are higher than a typical savings account because you are pledging to keep your money in the account for a specified term.
Traditional Banks call them CD’s or Certificates of Deposit.
Are Share Certificates safe?
ANECA Share Certificates are insured by the NCUA, up to allowable limits.
How do Share Certificates work?
Share Certificates allow you to earn a higher interest rate on your money than a typical savings account. Your money earns interest at a fixed rate for a fixed amount of time.
When your money is in a Share Certificate, the length of time you choose is the Term. There are penalties for early withdrawal
One of the benefits of a Share Certificate is that the interest rate it earns is higher than a typical savings account.
How much interest do I earn on a Share Certificate?
ANECA Share Certificates earn different rates that depend on how much you deposit, the term, and the interest rate at the time you open your Share Certificate.