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Certificates of Deposit

The economy is up and down. Stocks are up and down. Life, itself, is up and down, but when it comes to investments, there is one method above all others that provide safety and return – certificates of deposit.

Your credit union offers a variety of certificate programs which can greatly enhance your savings portfolio. So whether you are new to saving or have been investing for years, a certificate of deposit account with Alpena Alcona Area Credit Union may be well worth adding to your portfolio – it provides safety and return. You collect interest based on the term of your investment and can feel secure knowing your money is safe since deposits are insured to at least $250,000 by the NCUA, an agency of the federal government.

Regular Certificates
Maximize your earning power! Our certificates of deposit provide a secure way to save and grow your money – you invest for the short term, building your savings for the long term.

*Available in 90 or 180 day – 12 or 18 month – 2, 3, 4 or 5 year terms with a minimum deposit of $500.00 required.

Youth Certificates
Teaching children to save is an important lesson and one Alpena Alcona Area Credit Union takes seriously. While this can be done with a simple piggy bank, opening a certificate of deposit at your credit union for your child or teenager will teach him or her valuable financial skills and one very important lesson in life – the value of money over time.

Youth certificates of deposit are available to young savers under the age of 19. The deposit is short-term, the lessons learned long-term and the money saved will be more than what you started with!

What a great way to show our youth the value of money over time and maybe even get a jump start on saving for college or that aspiring first car!

*Youth certificates of deposit are available in the same terms as regular certificates but only require a minimum deposit of $100.00.

Save to Win
Alpena Alcona Area Credit Union participates in a nationwide, community reinvestment campaign known as Save to Win. Save to Win is a special certificate of deposit account that not only helps you build your savings, but it also gives you the opportunity to win monthly cash prizes!

For each $25 deposit made into your Save to Win certificate, you give yourself another chance to win – up to 10 chances every month. It’s a win-win situation – an account that earns interest and the possibility to win some extra cash!

It pays to save when you Save to Win!

*Save to Win certificates of deposit are available in 12 month terms – $25.00 minimum deposit required. Must be 18 years or older to participate.

Invest today! Contact us or login to It’s Me 247 Online Banking, click “New Accounts” and purchase your certificate.

Federally insured by NCUA.