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Share Certificates

Earn APY*
in Just 12 Months!

Lock in your rate with guaranteed returns, no monthly fees, and just $500 to start.

Start Application See rates & terms
Acadia-Divider (1)

Share Certificate Rates

See rates & terms

Short‑Term Certificates
Up to

APY*

Long‑Term Certificates
Up to

APY*

Why Choose Our Share Certificates?

Set aside a fixed amount for a set time and watch the dividends grow!

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Guaranteed Rate

Earn a guaranteed rate higher than most savings accounts

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Low Minimum Deposit

Start your certificate with just a $500 minimum balance

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Flexible Terms

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

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Monthly Dividends

Dividends are paid monthly and compound over time

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No Monthly Fees

Keep more of your money – there are no monthly fees

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NCUA Insured

Share certificates are federally insured by the NCUA up to $250,000 per depositor

Rates as high as APY*

See rates & terms

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
$
Rate (APY)
%
Monthly Contribution
$
Months
Start Application

This calculation represents an estimate.
Dividends compound monthly.

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!
Katelyn L. member since 2004
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!
France D. member since 1980
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.
Andy B. member since 2013

Frequently Asked Questions

  • A certificate of deposit or time deposit account is a type of savings tool available at banks (*see note below) that can offer a higher return on your money than most standard savings accounts. A financial institution agrees to pay interest at a certain rate if you deposit your cash for a set term (period of time).

    Note: Both Certificates of Deposit (CDs) and share certificates are low-risk deposit accounts where your money can grow at a fixed rate. The main distinction between them is that CDs are products offered by for-profit banks, while share certificates are offered by member-owned, not-for-profit credit unions. Share certificates are federally insured by the NCUA while the FDIC insures CDs at banks. Acadia FCU offers share certificates as part of our savings options. 

  • Yes, joint owners and/or beneficiaries are required on your Acadia Share Certificate.

    Note: Both Certificates of Deposit (CDs) and share certificates are low-risk deposit accounts where your money can grow at a fixed rate. The main distinction between them is that CDs are products offered by for-profit banks, while share certificates are offered by member-owned, not-for-profit credit unions. Share certificates are federally insured by the NCUA while the FDIC insures CDs at banks. Acadia FCU offers share certificates as part of our savings options. 

  • The amount of the penalty is based on the term of your certificate account. For account terms 12 months or less, the penalty is equal to six months’ (180 days) dividends on the amount withdrawn whether earned or not. For account terms greater than 12 months, the penalty is equal to nine months’ (270 days) dividends on the amount withdrawn whether earned or not.

    Note: Both Certificates of Deposit (CDs) and share certificates are low-risk deposit accounts where your money can grow at a fixed rate. The main distinction between them is that CDs are products offered by for-profit banks, while share certificates are offered by member-owned, not-for-profit credit unions. Share certificates are federally insured by the NCUA while the FDIC insures CDs at banks.

Share Certificates

Ready to Transform Your Financial Future?

Open a share certificate today and take the next step toward your savings goals.

Start Application

Related Products & Services

Rates

Share Certificate Rates

Rates effective as of: October 30, 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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