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Share Certificates

If you want to build wealth today, a savings account isn’t enough. A Share Certificate (known as a CD at banks) offers a guaranteed rate higher than most.

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

Several of our friendly Member Service Representatives are trained in investments and can help you choose the right term and amount for your Share Certificate based on your financial needs. We offer a variety of terms, including six-month, one-year, 18-month, two-, three-, four-, and five-year options, so you can save with confidence and flexibility. And don't worry about a thing—we'll send over a notice about 10 days prior to maturity!

Earn a guaranteed rate
$500 minimum balance required (for a 1-year term)
Multiple terms available
Dividends paid monthly
No monthly fees

Special Limited Time Offer!

Promotional 10-Month Share Certificate

Looking for a commitment, but not – like – FOREVER? We GET it! With just a $500 minimum, you can earn 4.26% APY* on our new 10-month Share Certificate! It’s a short-term commitment with a long-term payoff. 10 months. $500 minimum. No awkward breakups.

Open Share - New Member Open Share - Existing Member

10-Month Share Certificate Disclosures

*Annual Percentage Yield. 4.26% APY is accurate as of 07/28/2025 and may change without notice. The 10-month certificate term is exactly 10 months and $500 minimum is needed to open certificate at advertised rate. Rates are subject to change without notice. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Federally insured by NCUA.

Rates as high as APY*

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Final Balance

Contributions: | Earnings:

Initial Deposit

Rate (APY)

Monthly Contribution

Months

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

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.

Related Products & Services

Individual Retirement Accounts (IRA)

Education Savings Accounts (ESA)

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Rates

Share Certificate Rates

Certificate Term

Dividend Rate

APY*

6 Months

✦ 10-Month Promo ✦

1 Year

18 Months

2 Years

3 Years

4 Years

5 Years

Rates effective as of: August 9, 2025

*APY = Annual Percentage Yield.
**10-Month - this share certificate promo is from July 28, 2025 and will be for a limited time.

†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.