Earn APY*
in Just 12 Months!
Lock in your rate with guaranteed returns, no monthly fees, and just $500 to start.

Share Certificate Rates
See rates & terms
Short‑Term Certificates
Up to
Long‑Term Certificates
Up to
Why Choose Our Share Certificates?
Set aside a fixed amount for a set time and watch the dividends grow!

Guaranteed Rate
Earn a guaranteed rate higher than most savings accounts

Low Minimum Deposit
Start your certificate with just a $500 minimum balance

Flexible Terms
Choose from multiple terms: six months to five years – to match your goals

Monthly Dividends
Dividends are paid monthly and compound over time

No Monthly Fees
Keep more of your money – there are no monthly fees

NCUA Insured
Share certificates are federally insured by the NCUA up to $250,000 per depositor
Rates as high as APY*
Final Balance
Contributions: | Earnings:I have been with Acadia for as long as I can remember. I got my first car loan and four wheeler loan through them. I moved away about eight years ago and would never even consider changing to another financial institution!
I have always been treated as part of the Acadia family. The staff are all so welcoming and pleasant, not just to me, but to all who go in. I've had savings, checking, and loan accounts with them and I have never had problems. I highly recommend Acadia FCU!
Acadia is there when other financial institutions aren't. They will actually take the time and work with you to help you out. Besides that, the staff really goes out of their way to make sure I leave with the best experience possible.
Ready to Transform Your Financial Future?
Open a share certificate today and take the next step toward your savings goals.
Related Products & Services
Rates
Share Certificate Rates
Certificate Term | Dividend Rate | APY* |
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6 Months |
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1 Year |
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18 Months |
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2 Years |
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3 Years |
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4 Years |
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5 Years |
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Rates effective as of: October 10, 2025
*APY = Annual Percentage Yield.
†All rates are subject to change without notice. Minimum of $1,000 needed to open a 6-month share certificate, $500 needed to open most others. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply.
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