Save more on your own terms
Whether you’re saving for a short-term goal, or you just want to make sure the savings you do have is earning you the most interest while you save it, an AmeriCU Share Certificate is a safe and secure way to grow your savings, and with terms that fit your schedule, your money is never far when you need it.
4.00% APY* Share Certificates
Get 4.00% APY* on 3, 6, 12, and 18‑month share certificates, giving you the freedom to choose a term that truly fits your financial plans. It’s a good way to take advantage of a great rate without having to compromise on timing or convenience.
View Disclosures and Current Rates
18-Month Special – 4.00% APY**
Want to lock in your money for longer? Earn more while you save over the next year and a half with this special – for a limited time only!
View Disclosures and Current Rates
Better Rates
Our Share Certificates offer some of our highest yield deposit options, you’ll earn more when you save more.
Greater Flexibility
With a variety of terms and rates available, Share Certificates offer you several options to invest your savings how you see fit.
Set Terms
Since you can’t access your funds until the maturity date, you’ll avoid the temptation to withdraw early.
You may also be interested in
Money Markets
High earning potential and greater flexibility make Money Markets a great, low-risk choice for building savings. It’s like a Share Certificate except you can keep making deposits into the account.
Retirement Savings Accounts
Enjoy a variety of investment options to meet long, medium, or short-term retirement needs with an Retirement Savings Account, more commonly known as an Individual Retirement Arrangement, or IRA. AmeriCU offers both Traditional and Roth IRAs as well as Coverdell Education Savings Accounts.
Financial Planning
If growing funds is your goal, investing may be the right path for you. Let AmeriCU Investments’ Financial Professionals work with you to plan for life’s biggest moments and the goals you have for your financial future.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Employee Giveback Spotlight: Travis Knight
Travis supports the Syracuse Poster Project through board service, fundraising, and community engagement, helping promote public art and creative expression throughout Central New York.
Events
Upstate Mobile Mammography at Auburn Financial Center
AmeriCU is proud to partner with Upstate University Hospital’s Mobile Mammography Program to offer preventative breast screenings.
Education
A Guide to Student Loans and Financial Aid
Learn about federal and private student loan options, including key differences, costs, and repayment strategies. This guide provides the information you need to make confident borrowing decisions and help finance your education.
*Annual Percentage Yields (APYs) current as of 21st July 2026 and are subject to change without notice. Minimum balance of $50 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
**Annual Percentage Yields (APYs) current as of 21st July 2026 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.