5.00 % APY*
9 Month
Limited Time
4.86 % APY*
24 Month
Limited Time + 1 Bump**
4.34 % APY*
30 Month
*APY (Annual Percentage Yield) Federally insured by NCUA. Membership restrictions apply.
**24 Month Certificate Only: In the event that the 24-month certificate rates increases within the term, Member may choose to change the certificate rate to the new current rate at the time of increase. Only one rate change permitted during the term of the certificate.
SHARE CERTIFICATE BENEFITS
Low Minimum Balance
As little as $1000 can open a Share Certificate.
Choose what works best for you.
NCUA Insured
Every ANECA Share Certificate balance is insured by NCUA’s allowable limits.
Interest Payments
You choose to have interested paid out monthly, yearly, or at the end of term.
No Risk
Certificate earnings aren’t tied to the market so there is no risk involved.
Guaranteed Earnings
Your money grows at a fixed rate, or more, over the term of the account.
Easy to Start
ANECA Members can open an account online in minutes.
Choose the savings level that’s right for you.
Share & IRA Certificate Rates
CERTIFICATE TERM | APR | APY |
---|---|---|
6 Month Certificate | 4.00% | 4.06% |
9 Month Certificate | 4.89% | 5.00% Limited Time |
12 Month Certificate | 4.40% | 4.49% |
18 Month Certificate | 4.40% | 4.49% |
24 Month Certificate | 4.75% | 4.86% Limited Time + 1 Bump* |
30 Month Certificate | 4.25% | 4.34% Limited Time |
36 Month Certificate | 4.00% | 4.07% |
48 Month Certificate | 4.00% | 4.07% |
60 Month Certificate | 4.00% | 4.07% |
CD rates are fixed upon opening the account. Minimum deposit $1000. Early withdrawal penalties apply.
*24 Month Certificate Only: In the event that the 24-month certificate rates increases within the term, Member may choose to change the certificate rate to the new current rate at the time of increase. Only one rate change permitted during the term of the certificate.

Why ANECA Share Certificates?
In today’s changing environment, locking in a high rate of return is more important than ever.
Once you open your Share Certificate, your rate stays the same and grows at the same rate