Alliance Catholic Credit Union
Skip to main content

Maximize Your Savings with Share Certificates and CDs

Share Certificates

Alliance Catholic Credit Union offers two types of Certificates of Deposit (CDs) for our members. CDs can be held as regular share certificates or IRA certificates within your account.

Our CDs offer a variety of terms to earn you higher dividends over a fixed period of time – allowing you to sit back and relax while your balance rises.

Our CDs feature:

  • Choice of terms from three months to five years
  • Rates guaranteed for the term of the Certificate
  • Dividends compounded and paid monthly
Get Started Today!

Early Withdrawal Provisions

A penalty is imposed if you withdraw any of the funds before the maturity date. For CDs having a term less than or equal to 12 months, the penalty imposed will equal 90 days of dividends. For Accounts having a term greater than 12 months, up to 60 months, the penalty imposed will equal 180 days of dividends.  For 13-Month Flexible CD, one withdrawal up to 25% of the principal balance can be made without penalty; for subsequent withdrawals, the penalty will be equal to 180 days of interest.

IRA Types

When it’s time to retire, you’ll be ready, but will your account be? Whether you’re planning to move up north or relocate down south, consider an IRA† Certificate and start saving today – for tomorrow. Traditional and Roth IRA† Certificates are available to help you reach your retirement savings goals. Click on the links below for more information.

†All IRA eligibility restrictions and requirements apply.

‡Consult a tax professional regarding the tax advantages of IRAs.

Traditional IRAs | Roth IRAs

Rates

Regular Share Certificates & IRA Certificates † (Includes Traditional & Roth IRAs)

Effective Date: 11/05/2026

Personal Rates
Business Rates
Term
Dividend Rate (%)
Annual Percentage Yield (APY)*
Minimum Opening Deposit
Compounding Frequency
3 Months
Traditional & Roth IRAs NOT available
1.00%
1.00%
$500
Monthly
6 Months
3.44%
3.50%
$500
Monthly
9 Months
1.00%
1.00%
$500
Monthly
12 Months
2.96%
3.00%
$500
Monthly
13 Month Flexible CD
3.68%
3.75%
$500
Monthly
24 Months
1.98%
2.00%
$500
Monthly
30 Months
3.44%
3.50%
$500
Monthly
30 Months
For Traditional & Roth IRAs ONLY
3.44%
3.50%
$500
Monthly
36 Months
1.98%
2.00%
$500
Monthly
48 Months
2.47%
2.50%
$500
Monthly
60 Months
2.47%
2.50%
$500
Monthly

†Penalty for early withdrawal: for CDs with maturities of 9 months or less the penalty will be equal to 90 days of interest; for CDs with a maturity of 12 months or greater, other than 13-Month Flexible CD, the penalty will be equal to 180 days of interest. For 13-Month Flexible CD, one withdrawal up to 25% of the principal balance can be made without penalty; for subsequent withdrawals, the penalty will be equal to 180 days of interest.

*Annual percentage yield (APY) is based on the assumption that the money is left on deposit during the dividend period. All dividends to be paid according to disclosures. All dividend rates and APYs subject to change without notice. All rates on share accounts are subject to change at anytime. Fees could reduce the earning of these accounts.

Traditional IRAs

A Traditional IRA can help you build retirement savings with valuable tax advantages.‡ Contributions may be tax-deductible, and earnings grow tax-deferred until withdrawn.

Benefits

  • Contributions may be tax-deductible, depending on your income and tax filing status.
  • Earnings grow tax-deferred, allowing your savings to compound over time.
  • Individuals with earned income may be eligible to contribute.

Annual Contribution Limits

  • Up to $7,500 for individuals under the age of 50.
  • Up to $8,600 for individuals age 50 and older, including the catch-up contribution.

Investment Options

IRA Shares (Savings)
IRA Term Shares (Certificates of Deposit/CDs)

NCUA Insurance Coverage

NCUA insurance coverage for IRAs is up to $250,000 on combined accounts.

‡Consult a tax professional regarding the tax advantages of IRAs.

Roth IRAs

A Roth IRA offers the opportunity for tax-free retirement income. While contributions are made with after-tax dollars and are not tax-deductible, qualified withdrawals, including earnings, may be tax-free.‡

Benefits

  • Contributions are not tax-deductible.
  • Earnings grow tax-free when IRS requirements are met.
  • Qualified withdrawals of contributions and earnings may be tax-free.
  • Individuals with earned income may be eligible to contribute, subject to IRS income limits.

Annual Contribution Limits

  • Up to $7,500 for individuals under the age of 50.
  • Up to $8,600 for individuals age 50 and older, including the catch-up contribution.

Investment Options

IRA Shares (Savings)
IRA Term Shares (Certificates of Deposit/CDs)

NCUA Insurance Coverage

NCUA insurance coverage for IRAs is up to $250,000 on combined accounts.

‡Consult a tax professional regarding the tax advantages of IRAs.