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Certificates
Make your money work harder for you with an APGFCU savings certificate. Our certificates have great rates and are a safe and secure way to grow your balances over time. Whether you’re saving for a rapidly-approaching goal or one that’s farther out, we have the certificate term that will work with your schedule.
Learn more about how your funds at APGFCU are insured.
Savings Certificates
Account Details and Uses
- Regular and IRA certificates, minimum deposit of $100 (Super Certificate, $25,000)
- Terms start at 6 months (Super Certificate, 24 months)
- Special rates for Super Certificate, Gold and Silver Member Rewards levels
Annual Percentage Yield as high as
3.75%*
Dividends are compounded and credited quarterly on the daily balance. *See all certificate rates, terms, and disclosures.
Jumbo Certificates
Account Details and Uses
- Minimum deposit of $50,000
- Fixed terms of 3, 6, and 12 months
Annual Percentage Yield as high as
3.85%*
Dividends are compounded and credited quarterly on the daily balance. *See all certificate rates, terms, and disclosures.
MyTimes 36-Month Certificate
Account Details and Uses
- For members age 50 and above
- Fixed 36-month term
- Preferred, fixed rate
- Minimum deposit $100
Annual Percentage Yield as high as
3.55%*
Dividends are compounded and credited quarterly on the daily balance. *See all certificate rates, terms, and disclosures.
MyTimes Plus 12-Month Certificate
Account Details and Uses
- For members age 65 and above
- Earn a higher rate than the standard 12-month Savings Certificate
- Preferred, fixed rate
- Minimum deposit $100
Annual Percentage Yield as high as
3.85%*
Dividends are compounded and credited quarterly on the daily balance. *See all certificate rates, terms, and disclosures.
MyTimes Plus RMD*
Account Details and Uses
- For members age 65 and above
- If you have to withdraw funds from your APGFCU IRA Certificate, just deposit the funds in the new RMD Certificate and get the same rate and maturity date as your IRA Certificate.
- Minimum deposit $100
*RMD is Required Minimum Distribution
Required Minimum Distribution (RMD) Options:
If you are required to take an annual RMD, you may opt to donate all or a portion of your distribution to a qualified charity as defined by the IRS. To learn more about this option, visit https://www.irs.gov/retirement-plans.
When completing the IRA Withdrawal form, you may indicate if you would like a check payable to a charity. The annual 1099-R form that reports your distributions does not specifically designate charitable distributions. Please seek the guidance of a tax advisor or accountant for tax filing.
1Please consult your tax advisor.
Step Up Savings Certificate
Account Details and Uses
- Choose from 25 or 45 months
- During the term, you can "step up" to a current, higher rate. Your new rate will be effective from the change date until the end of the original term.
- No additional deposits permitted
- Minimum deposit $100
Annual Percentage Yield as high as
3.25%*
Dividends are compounded and credited quarterly on the daily balance. *See all certificate rates, terms, and disclosures.
Need Help with a Certificate? Get in Touch!
Certificate Disclosures
†The five-month promotional Annual Percentage Yield (APY) listed is effective as of 04/20/2026. Rate and promotion are subject to change at any time, without notice. Fees may reduce earnings. Minimum deposit of $100. Five-month certificate will automatically renew to a six-month term upon maturity unless action is taken. Penalty for early withdrawal. Other restrictions may apply. To open this certificate special, click here, call 800-225-2555 or request a branch appointment.