Haven™

Certificates

Give Your Savings a Safe Haven™

Haven™ Certificates from American United Federal Credit Union offer members a secure way to grow their savings with competitive fixed rates and predictable returns.

Haven™ Certificates are part of the credit union’s savings solutions designed to help members build financial stability and plan for the future.

Open Now (Regular)Open Now (Dedicated Saver)

Account Details

Regular Certificate

Dedicated saver certificate

Retirement (IRA) Certificate

Account Details

Shared features for all certificates

AMUCU offers a variety of Certificate Accounts (CDs) with competitive rates, flexible terms from 6 to 60 months, and the option for automatic renewal. These accounts are designed to help you save with the security of fixed interest rates and guaranteed returns over the term you choose.

Variety of Fixed Terms from 6 to 60 months
Highest yield fixed rate savings option
Dividends are compounded on the average daily balance & paid monthly
Penalty to withdraw funds before maturity is 180 days of dividends
Online & Mobile Banking
End-of-Year Member Reward Dividend
Federally insured by the NCUA

Regular Certificate

AMUCU offers certificate accounts with a $500 minimum deposit and higher dividend rates for GoldStar® members.

Minimum deposit of $500
GoldStar® members receive a 0.10% APY higher dividend interest rate

Open Now (Regular)

Dedicated Saver Certificate

AMUCU offers a special account requiring a $5 minimum deposit and monthly auto-deposits from savings, with the unique ability to add funds monthly, but not available for limited-time certificate specials.

Minimum deposit of $5
Ability to add funds every month (only allowed on this account)
Requires $5 minimum monthly auto-deposit from savings account
Not available on limited-time certificate specials

Open Now (Dedicated saver)

Retirement (IRA) Certificate

AMUCU offers IRA certificates with a $500 minimum deposit, requiring a Retirement Savings Account, with higher dividend rates for GoldStar® members, occasional 8 or 10-month specials, and penalties for early withdrawals before age 59.5.

Minimum deposit of $500
Requires Retirement (IRA) Savings Account
Re-invest retirement savings into higher dividend certificates to earn more
GoldStar® members receive a higher dividend interest rate
For Retirement Plan Contribution Limits (visit IRS.gov)
Penalties for withdrawals made before the age of 59.5
Occasionally offer 8 or 10 Month Limited-Time Specials.

Learn More

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American United FCU Member

Open Now (Regular)Open Now (Dedicated Saver)

Haven™ Certificate Rates

Rates up to date as of April 1, 2026. Rates subject to change without notice.

Certificate Term¹	Dividend Rate & APY	GoldStar® Membership² Dividend Rate & APY	Regular & IRA Minimum Balance³	Dedicated Saver⁴ Minimum Balance
6-month	3.832% (3.900% APY)	3.929% (4.000% APY)	$500+	$5+
12-month	3.832% (3.900% APY)	3.929% (4.000% APY)	$500+	$5+
18-month	3.832% (3.900% APY)	3.929% (4.000% APY)	$500+	$5+
24-month	3.832% (3.900% APY)	3.929% (4.000% APY)	$500+	$5+
36-month	3.832% (3.900% APY)	3.929% (4.000% APY)	$500+	$5+
48-month	3.832% (3.900% APY)	3.929% (4.000% APY)	$500+	$5+
60-month	3.832% (3.900% APY)	3.929% (4.000% APY)	$500+	$5+

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
2. Additional requirements apply for GoldStar® membership.
3. Minimum balance to open and earn the APY for Regular and IRA certificate accounts is $500. Additional deposits are not allowed after opening.
4. Minimum balance to open and earn the APY for Dedicated Saver certificate accounts is $5. Additional deposits are allowed after opening and require automatic transfers of at least $5 per month.

For more information visit Terms & Conditions, Current Rates, and Fee Details.

Haven™ is a trademark used by American United Federal Credit Union in connection with savings and financial services.