CDs & IRAs

If you are seeking a higher yield by investing your funds, these types of accounts can help in this effort. The Credit Union offers CDs with terms from six to 60 months as well as Traditional and Roth IRAs.

CD Guidelines

  • Terms from six months to five years
  • Minimum deposit of $500 for the six-month term and $1,000 for longer terms
  • Dividends are calculated daily, compounded and paid monthly and at maturity
  • Monthly dividends can be reinvested in the certificate, transferred to another account or mailed
  • Traditional and Roth IRA Certificates available (except the six-month term)
  • Early withdrawal penalties apply and may reduce earnings
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Rates effective as of 01-07-2026 and are subject to change without notice.

Savings or IRA Terms

6 Months

APY*

4.00%

APR*

3.93%

Savings or IRA Terms

12 Months

APY*

4.50%

APR*

4.41%

Savings or IRA Terms

18 Months

APY*

3.75%

APR*

3.69%

Savings or IRA Terms

24 Months

APY*

3.75%

APR*

3.69%

Savings or IRA Terms

36 Months

APY*

3.55%

APR*

3.49%

Savings or IRA Terms

48 Months

APY*

3.55%

APR*

3.49%

Savings or IRA Terms

60 Months

APY*

3.55%

APR*

3.49%

The 6 month certificate requires a minimum balance of $500 to open and is not eligible for IRA Terms. All other certificates require a minimum balance of $1,000 to open.

Join and Open an Account EXISTING MEMBERS: apply within Digital Banking. 

IRAs

  • Traditional and Roth IRAs available
  • Great rates on our IRA Savings/Money Market and CD options
  • Earnings accumulate tax deferred*
  • Contributions may be tax deductible (Traditional IRAs only)*
  • Catch up contributions available for individuals over age 50
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Rates effective as of 01-07-2026 and are subject to change without notice.

Terms

IRA Savings

APY on balances up to $2,500*

1.00%

APY on balances over $2,500*

0.05%

*APL FCU uses a tiered savings rate, with a higher annual percentage yield on balances up to $2,500. Regular Savings requires a $50 minimum balance to open and earn dividends. All other savings accounts require a $5 minimum balance to open and a $50 minimum balance to earn dividends. Our tiered Savings Accounts pay different stated dividend rates to each tier as shown above. Members with more than $2,500 in a Savings Account will earn a blended APY, which is calculated based on the average daily balance in each tier of the account.

Contact us for More Info 

* Please consult a tax advisor