Providing you with peace of mind as you watch your money grow — that's what we believe in. By offering competitive rates on multiple term options, our Term Share Certificates give you the flexibility to manage your cash flow needs and help with your long-term saving goals.

  • Set aside for future savings goals
  • Provides more guarantee than other risky investments
  • Greater earnings than share accounts
  • Competitive, fixed rate for length of term
    • A wide range of terms available (from 6 months to 5 years)
    • Receive higher rates by selecting a longer term
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $1,000 minimum deposit to open
  • Federally insured by NCUA up to $250,000

Take more interest in your savings.

48 Month Term Share Certificate 3.10% APY*  

  • Rate Increase Available
    • As a benefit of being an nHanced or Preferred member, receive an additional 0.25% APY. Classic members receive an additional 0.10% APY.** 

  • Low Minimum Deposit
    • Open a Term Share Certificate with just $1,000.***
Must meet membership requirements. *APY=Annual Percentage Yield.  Early withdrawal penalties apply and may reduce earnings.  ATCU reserves the right to limit deposits into this term share certificate. All rates, programs, terms and conditions are subject to change without notice. **nHanced and Preferred checking accounts are exclusive to members utilizing at least five approved services. Classic accounts are for members 55 of age and older.  Visit or call us at (800) 470-0704 for more information about approved services. Information from consumer reporting agencies may be used in determining eligibility for deposit accounts. Only one rate increase per term share certificate, regardless of the number of account owners. ***Reduced $300 minimum deposit to open a share certificate for youth accounts (Savasaurus, Generation Next & Synced only). Insured by NCUA.

Get a guaranteed return.