Earn more on the money you're already saving when you choose a certificate that's right for you.
We’re offering the 24-Month Accelerator Certificate as a savings certificate, HSA, or IRA – all with as little as a $500 deposit.
The ALEC Accelerator Certificate is available for a limited time through March 31, 2026. Open yours today by stopping by any ALEC Branch or by calling us at 800.762.9988.
It's always wise to save money for an emergency or future plans and with an ALEC certificate of deposit, you can put that money to work. But if you're keeping a high balance in a savings account, you may earn higher interest rates with an ALEC Certificate.
Earn a fixed dividend rate for a better rate of return and get the peace of mind that comes from insured security. An ALEC Certificate assures you a fixed APY** for a specified period of time.
ALEC Variable Rate Certificates offer highly competitive rates, currently at 4.34% APY** and vary on a monthly basis with the 13-week U.S. Treasury Bill (Index + 0.15%)1. Variable rate certificates can benefit from rising interest rates, even if there’s a chance that rates could also go down. But compared to traditional savings and money market accounts, ALEC Variable Rate Certificates typically offer a higher rate of return.
| Type | Term | Nominal Rate | APY** |
|---|---|---|---|
| Certificates1,2 $500 Minimum Balance |
6 months | 2.960% | 3.00% |
| 12 months | 1.736% | 1.75% | |
| 24 months | 2.227% | 2.25% | |
| 36 months | 2.472% | 2.50% | |
| 48 months | 2.960% | 3.00% | |
| 60 months | 3.445% | 3.50% | |
| Variable Rate Certificate1,2 $500 Minimum Balance |
24 months | 4.793% | 4.90% |
| Rewards Checking Certificate1,2 Bonus Rates3 $500 Minimum Balance |
6 months | N/A | |
| 12 months | 1.746% | 1.77% | |
| 24 months | 2.247% | 2.27% | |
| 36 months | 2.501% | 2.53% | |
| 48 months | 2.998% | 3.04% | |
| 60 months | 3.494% | 3.55% |
For more information, download our certificate account disclosure document.
