Certificates

Build a bright future! A Certificate is a safe place to invest money.

12 Month Term

Adult Certificate $1,000 Minimum

Youth Certificate $250 Minimum

You’ll receive a higher interest rate than a savings account in exchange for limited access to the funds. A Certificate is ideal for those who are saving for a down payment or don’t want to risk losing money in the stock market.

Some financial institutions offer dozens of Certificates with an endless array of terms and rates – low rates for short terms and better rates for longer terms and dollar amounts

But at Armco CU we make Certificates simple and easy to understand. There is one rate for all members and all terms are for 12-months. This transparency allows you to easily compare the bundled products, rates and terms that our competitors offer so you can decide what’s best for you.

12-month term
$1,000 minimum for adults
$250 minimum for youth under 18
$1,000 minimum for business accounts

Interest is compounded
Penalty for early withdrawal ($25 plus 30 days dividend)
Federally insured by NCUA up to $250,000

View our current Certificate rates

*APY = Annual Percentage Yield.

¹The 12-month Certificate will earn an Annual Percentage Yield of 4.59% as of June 7, 2023. This rate will be paid until the Certificate matures. Your Certificate(s) automatically renew at the rate in effect at the time of maturity unless the Credit Union is contacted on or before the maturity date. Upon renewal, the term will be 12-months. You have ten (10) calendar days after maturity to redeem your Certificate without penalty if you do not want to renew. Penalty for early withdrawal may reduce earnings. Minimum $1,000 to open an adult and business Certificates. Minimum $250 to open a youth Certificate. RATES ARE SUBJECT TO CHANGE AT ANYTIME AND WITHOUT NOTICE. Federally Insured by NCUA.