Advantage One can help you save for your future.

Certificates of Deposit

  • Flexible Terms

  • Competitive Rates

  • Minimum Deposit of $1,000

  • Insured by the NCUA

IRA Share Certificates

  • Traditional or Roth IRA

  • Terms from 1 to 5 years

  • Minimum Deposit of $1,000

  • Potential Tax Benefits

Youth Share Certificates

  • Open for a minimum of $50

  • Earn Dividends

  • Add money at any time

  • Choose a 6 or 12 month term

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Certificates of Deposit

Whether you're saving for college, retirement, or something special for your family, Advantage One offers a safe way to make some extra money. Whether you decide on a short-term or a long term, you'll earn more than you would with a traditional savings account. And generally, the longer you save, the more you'll end up with.

  • Flexible terms from six months to five years

  • Competitive fixed rates with dividends compounded quarterly

  • Minimum deposit of $1,000

  • Certificates are federally insured by the NCUA

  • Automatic renewal options

  • Can serve as collateral on personal loans, possibly reducing your loan rate

  • Special certificates for youth account holders can be opened with as little as $50, and additional contributions of $25 or more can be added at any time

 

Certificate² Rates

Rates accurate as of

Certificates
Product APY1
6-Month %
12-Month %
24-Month %
36-Month %
48-Month %
60-Month %

1APY = Annual Percentage Yield. APY is accurate as of date above.

2Dividends are paid and compounded quarterly on all certificate accounts. Regular share certificates minimum starting balance $1,000.00. Must maintain a minimum balance of $1,000 to obtain the disclosed annual percentage yield. Fees may reduce earnings. Terms and conditions may differ for specials. A penalty may be imposed for withdrawals before maturity. The fee we may impose will be applied using the following criteria: Term in Months - Minimum Penalty to Maximum Penalty • 0-12 Months - $25.00 min. to 90 days dividends max. • 13-24 Months - $25.00 min. to 180 days dividends max. • 25-36 Months - $25.00 min. to 180 days dividends max. • 37-48 Months - $25.00 min. to 270 days dividends max. • 49+ Months - $25.00 min. to 360 days dividends max.

 

IRA Share Certificates

Your golden years lie ahead, and you want to make sure you have the resources to live comfortably. IRA Share Certificates make an excellent addition to your retirement portfolio, offering both predictable returns and potential tax advantages (please consult a tax advisor for additional tax information).

  • Choose from Traditional or Roth IRA Certificates 

  • Terms range from one to five years

  • Minimum deposit of $1,000

  • Dividends are paid and compounded quarterly

  • Traditional IRAs may offer an annual tax deduction

  • With Roth IRAs, investments grow tax-free, and withdrawals are tax-free

  • Manage your IRA online 

 

Traditional & Roth IRA Certificate² Rates

Rates accurate as of

Traditional & Roth IRA Certificates
Product APY1
12-Month %
24-Month %
36-Month %
48-Month %
60-Month %

1APY = Annual Percentage Yield. APY is accurate as of date above.

2Dividends are paid and compounded quarterly on all certificate accounts. Regular share certificates minimum starting balance $1,000.00. Must maintain a minimum balance of $1,000 to obtain the disclosed annual percentage yield. Fees may reduce earnings. Account funds may not originate from any current Advantage One deposit account. A penalty may be imposed for withdrawals before maturity. The fee we may impose will be applied using the following criteria: Term in Months - Minimum Penalty to Maximum Penalty • 0-12 Months - $25.00 min. to 90 days dividends max. • 13-24 Months - $25.00 min. to 180 days dividends max. • 25-36 Months - $25.00 min. to 180 days dividends max. • 37-48 Months - $25.00 min. to 270 days dividends max. • 49+ Months - $25.00 min. to 360 days dividends max

Youth Share Certificates

Save and earn more with our youth share certificate! What exactly is a certificate? It’s a type of savings account that holds money for a fixed period, such as six months, or one year. In exchange, the credit union pays you in dividends.

 

  • Open for a minimum of $50

  • Earn more dividends than regular savings

  • Add money to it at any time

  • Choose a 6 or 12 month term

  • Special just for youth members

 

Give us a call at (734) 676-7000 to open a youth share certificate.

Dividends? What’s that?
Learn more by watching this short video.

 

Youth Share Certificate Rates

Rates accurate as of

Youth Certificates
Product APY1
6-Month Youth Certificate2 %
12-Month Youth Certificate2 %

1APY = Annual Percentage Yield. APY is accurate as of date above.

2Dividends are paid and compounded quarterly on all certificate accounts. Youth certificates minimum starting balance $50.00. Youth Account certificates only available in 6 and 12 month terms. Terms and conditions may differ for specials. Fees may reduce earnings. One withdrawal allowed per term - then regular early withdraw penalties apply. The fee we may impose will be applied using the following criteria. Term in Months - Minimum Penalty to Maximum Penalty • 0-12 Months - $25.00 min. to 90 days dividends max. Must maintain a minimum balance of $50.00 to obtain the disclosed annual percentage yield. Fees may reduce earnings on the account.