Put your savings to work for you!

Interest Rates Certified by Datatrac

5.00 % APY*

6 Month

4.33 % APY*

24 Month
Limited Time

4.08 % APY*

30 Month

*APY (Annual Percentage Yield) Federally insured by NCUA. Membership restrictions apply.


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

6 Month Certificate (Limited Time)4.89%5.00%
12 Month Certificate4.40%4.49%
18 Month Certificate4.40%4.49%
24 Month Certificate4.25%4.33%
30 Month Certificate4.00%4.08%
36 Month Certificate4.00%4.07%
48 Month Certificate4.00%4.07%
60 Month Certificate4.00%4.07%
Annual Percentage Yields (APY) effective as of March 1, 2024.
CD rates are fixed upon opening the account. Minimum deposit $1000. Early withdrawal penalties apply.

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


Not an ANECA Member? Not a Problem!

It only takes a few minutes to join.

ANECA Members

1. Sign into your ANECA It’sMe24/7 Account.
2. Under Member Offers, select Certificate Specials & Rates.
3. Choose the Certificate that fits your needs.


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.

ANECA Share Certificates are insured by the NCUA, up to allowable limits.

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.

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.