A Share Certificate earns dividends based on the amount you invest and the fixed period or "term" of your certificate. You have the freedom to select the term that best suits your needs. Terms range from three months to five years. You choose the exact number of months to invest.

Share Certificates can be opened with an investment of $500 or more.

Certificates are also available as Traditional and Roth IRAs. Terms range from one to three years. You select the term that meets your retirement savings objective.

Share IRA Accounts are also available at AEA Federal Credit Union.

Learn more about Traditional and Roth IRAs .

Now you can earn the higher “certificate” yield without a large initial investment. Open your Growth Certificate with $50 or more. Then, make monthly deposits of at least $50 and watch your Certificate grow. The Growth Certificate has a term of two years and there is a penalty for early withdrawal. Please contact us for more information.