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Certificates of Deposit

AAACU's Certificate of Deposits (CD's) offer a variety of saving options to help meet your financial needs. Each CD earns monthly interest based on the term and is insured up to $250,000 by the NCUA.

Regular Certificates

Our Regular Certificates of Deposit provide a secure way to save and watch your money grow.

  • Minimum deposit of $500.00
  • Available in 90 or 180 days, 12 or 18 months, and 2, 3, 4, or 5-year terms
  • Available to open via It's Me 247 online banking account

Youth Certificates

Our Youth Certificate of Deposit are available to youth ages 19 and younger

  • Minimum deposit of $100.00
  • Available in 90 or 180 days, 12 or 18 months, and 2, 3, 4, or 5-year terms
  • Available to open via It's Me 247 online banking account

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 helps you build your savings, and 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.

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

*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.