800-525-9094
| Minimum Balance | Term | APY* |
|---|---|---|
| $500 | 1 - 2 Months | 0.15% |
| $500 | 3 - 5 Months | 0.40% |
| $500 | 6 - 8 Months | 0.60% |
| $500 | 9 - 11 Months | 0.80% |
| $500 | 12 - 17 Months | 1.00% |
| $500 | 18 - 23 Months | 2.75% |
| $500 | 24 - 35 Months | 1.20% |
| $500 | 36 - 47 Months | 3.00% |
| $500 | 48 - 59 Months | 1.40% |
| $500 | 60 Months | 1.50% |
| $2,500 | 1 - 2 Months | 0.15% |
| $2,500 | 3 - 5 Months | 0.40% |
| $2,500 | 6 - 8 Months | 0.60% |
| $2,500 | 9 - 11 Months | 0.80% |
| $2,500 | 12 - 17 Months | 1.00% |
| $2,500 | 18 - 23 Months | 2.75% |
| $2,500 | 24 - 35 Months | 1.20% |
| $2,500 | 36 - 47 Months | 3.00% |
| $2,500 | 48 - 59 Months | 1.40% |
| $2,500 | 60 Months | 1.50% |
| $10,000 | 1 - 2 Months | 0.15% |
| $10,000 | 3 - 5 Months | 0.40% |
| $10,000 | 6 - 8 Months | 0.60% |
| $10,000 | 9 - 11 Months | 0.80% |
| $10,000 | 12 - 17 Months | 1.00% |
| $10,000 | 18 - 23 Months | 2.75% |
| $10,000 | 24 - 35 Months | 1.20% |
| $10,000 | 36 - 47 Months | 3.00% |
| $10,000 | 48 - 59 Months | 1.40% |
| $10,000 | 60 Months | 1.50% |
| $25,000 | 1 - 2 Months | 0.15% |
| $25,000 | 3 - 5 Months | 0.40% |
| $25,000 | 6 - 8 Months | 0.60% |
| $25,000 | 9 - 11 Months | 0.80% |
| $25,000 | 12 - 17 Months | 1.00% |
| $25,000 | 18 - 23 Months | 2.75% |
| $25,000 | 24 - 35 Months | 1.20% |
| $25,000 | 36 - 47 Months | 3.00% |
| $25,000 | 48 - 59 Months | 1.40% |
| $25,000 | 60 Months | 1.50% |
| $50,000 | 1 - 2 Months | 0.15% |
| $50,000 | 3 - 5 Months | 0.40% |
| $50,000 | 6 - 8 Months | 0.60% |
| $50,000 | 9 - 11 Months | 0.80% |
| $50,000 | 12 - 17 Months | 1.00% |
| $50,000 | 18 - 23 Months | 2.75% |
| $50,000 | 24 - 35 Months | 1.20% |
| $50,000 | 36 - 47 Months | 3.00% |
| $50,000 | 48 - 59 Months | 1.40% |
| $50,000 | 60 Months | 1.50% |
| $100,000 | 1 - 2 Months | 0.15% |
| $100,000 | 3 - 5 Months | 0.40% |
| $100,000 | 6 - 8 Months | 0.60% |
| $100,000 | 9 - 11 Months | 0.80% |
| $100,000 | 12 - 17 Months | 1.00% |
| $100,000 | 18 - 23 Months | 2.75% |
| $100,000 | 24 - 35 Months | 1.20% |
| $100,000 | 36 - 47 Months | 3.00% |
| $100,000 | 48 - 59 Months | 1.40% |
| $100,000 | 60 Months | 1.50% |
| $250,000 | 1 - 2 Months | 0.15% |
| $250,000 | 3 - 5 Months | 0.40% |
| $250,000 | 6 - 8 Months | 0.60% |
| $250,000 | 9 - 11 Months | 0.80% |
| $250,000 | 12 - 17 Months | 1.00% |
| $250,000 | 18 - 23 Months | 2.75% |
| $250,000 | 24 - 35 Months | 1.20% |
| $250,000 | 36 - 47 Months | 3.00% |
| $250,000 | 48 - 59 Months | 1.40% |
| $250,000 | 60 Months | 1.50% |
If you're looking for a smart place to save for a near-future purchase such as a home or vehicle, build short-term wealth before investing—or simply grow your savings in a low-risk account, a certificate may be right for you.
Certificate accounts often pay higher dividends than regular savings accounts. That's because you agree to leave your savings in the account for a fixed term—you choose your term from the options available.
Think a certificate may be a good fit for your financial needs? Open a certificate account today.
View your options
Choose from 70 certificate options featuring terms between 1 month–5 years. No other savings account offers this kind of flexibility.
See current rates
Certificates are insured
Certificate accounts are insured by the National Credit Union Administration (NCUA) up to $250,000.
There are no qualification or eligibility criteria for members. Minimum deposit required is $500. Maturity periods vary from 30 days to 60 months. Certificates are subject to early withdrawal penalties.
How to open a certificate
If you're an Alaska USA member, you can easily open a certificate account through online account access—simply follow the steps outlined below.
Not a member? Find out how to become a member.
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1. Sign in to online account access |
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2. Select the Account Profile tab, then the Open New shares link below the tabs |
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3. Follow the onscreen instructions to open your new certificate account |
Smart ways to use certificates
Certificate accounts can do more for you with the right savings strategy—consider these ways to make the most of your certificate:
- Reinvest dividends in the certificate and compound monthly to increase your earnings
- Withdraw dividends paid at calendar month end and maturity to supplement your income (for certificates maturing in one year or more)
- Build a certificate ladder—simply split your savings between certificates with different maturity dates. This allows you to keep cash flowing while taking advantage of great savings rates.
Other savings opportunities
Savings accounts
Find the right savings account for your needs, lifestyle, and financial management preferences.
Money market accounts
Earn dividends on your savings at current money market rates.
Health savings accounts (HSAs)
Set aside money on a pre-tax basis to pay for qualified medical expenses.
Individual retirement accounts (IRAs)
Save for retirement and earn dividends on your savings in a tax-advantaged way.
Current rates
Certificates
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* The disclosed Annual Percentage Yield (APY) is the prospective yield that Alaska USA anticipates paying for the applicable dividend period. The dividend method you select may affect certificate earnings. There is a penalty for early withdrawal from a certificate or tax deferred IRA certificate. In the event an early withdrawal lowers the certificate balance below the required minimum, the certificate must be canceled or closed, and the forfeiture amount will be calculated using the full balance of the certificate.
For complete account disclosure information, refer to your Share Account Disclosure Statement or call the Member Service Center: (907) 563-4567 or (800) 525-9094.
Member accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund. Individual Retirement Accounts are separately insured up to an additional $250,000.
Not a member? Not a problem!
There's never been a better time to become a member. Get in touch today!
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