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Rates & Fees

Share Certificate (CD) Rates

Certificate TermDividend RateAPY*
6 Months1.40%1.41%
1 Year3.25%3.30%
18 Months3.35%3.40%
2 Years3.45%3.51%
3 Years3.69%3.75%
4 Years3.69%3.75%
5 Years3.69%3.75%

*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.

Loan Calculator

Format: 12M, 36M, 3Y, 7Y

More Info

Several of our friendly Member Service Representatives are trained in investments and can help you pick a term and amount for your Share Certificate that fits your financial circumstances. We have six-month, one-year, 18-month, two-, three-, four-, and five-year terms available. Penalties may be charged for early withdrawals.

Frequently Asked Questions

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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