Earn 4.26% APY*
in Just 10 Months!

*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.

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 For account terms 12 months or less, the penalty is equal to six months’ (180 days) dividends on the amount withdrawn whether earned or not. For account terms greater than 12 months, the penalty is equal to nine months’ (270 days) dividends on the amount withdrawn whether earned or not.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