A Rate You Can Count On.

Certificates

A big savings goal doesn’t need to be complicated. It just needs a great rate and a little time. AllCom Certificates make it easy to lock in a competitive rate, pick your term, and know exactly what you’re getting. No surprises. No risks. Just dependable, guaranteed growth from people who actually want you to reach those goals.

Why Allcom Certificates?

Uncomplicated. Rewarding. Right-sized.

Our certificates put your savings to work overtime—on your timeline—to earn a much higher interest rate than a normal savings account.

AllCom Credit Union offers a variety of Certificates of Deposit:

Regular Certificates as well as Traditional, ROTH, and Educational Individual Retirement Arrangement (IRA) Certificates
Multiple terms and rates available
Minimum $500 Opening Balance
Dividends paid monthly or at maturity to CD, to another account, or by check

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Guaranteed returns. On your terms.

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It's All About Our Members

“I opened my first Certificate with AllCom a few years back just to try it out. Watched the rate hold the whole time, walked away with more than I expected. Definitely recommend these guys.”

— Michael T.

Retire A Little Richer

An AllCom IRA Certificate combines a guaranteed rate with the tax advantages of a retirement account — making it one of the smartest, lowest-effort ways to build toward retirement.

Account Disclosure

Wondering what information AllCom will need from you before opening your share / savings account? Click for a quick breakdown of our new account procedures.

Educational Resources

Does The Stock Market Risk Make You Nervous? Try Certificates.

New to investing? There’s a reliable, easy way to move your finances forward fast—without the stress of watching the market. An AllCom Certificate…

Frequently Asked Questions

Wait for big returns, not answers.

What exactly is a certificate? Is it right for me?

A certificate is a savings account with a fixed rate and a fixed term. You deposit a set amount, leave it alone for the agreed-upon period, and earn a guaranteed return. It’s a good fit if you have money you don’t need to touch for a while and you want a better rate than a standard savings account without any market risk.

How is a certificate different from just leaving money in savings?

A savings account lets you move money in and out whenever you want. A certificate locks your rate (and your money) for a set term, and in exchange you earn a meaningfully higher return.

How long do I have to commit to locking my money in?

AllCom offers certificate terms from 6 months up to 60 months (5 years). You pick what fits your timeline. If you’re not sure, it’s worth thinking about when you might realistically need the money and choose a term shorter than that.

What's the minimum I need to get started?

$500 to open a regular certificate. Jumbo certificates start at $50,000 and earn a slightly higher rate on 24-month terms and longer.

What kind of return can I actually expect?

Right now, AllCom’s certificate rates range from 3.25% to 3.50% APY depending on the term. Shorter terms (6 and 7 months) currently earn 3.50% APY. Longer terms earn 3.25% APY. Jumbo certificates (starting at $50,000) earn 3.35% APY on terms of 24 months and up. Check our Rates page for the most current numbers, as rates can change.

Can I add to it once it's open, or is it set at the start?

The amount is set when you open it; you can’t add to a certificate mid-term. If you want to save more at that rate, you’d open a new certificate. That said, nothing stops you from opening multiple certificates at once (or staggering them over time, which some members do to balance access and earnings).

What happens when my certificate comes due?

When your term ends, you’ll have options: Renew it, adjust the term, withdraw the funds, or roll it into something else. We’ll be in touch as your maturity date approaches so you have time to decide without any pressure.

What if something comes up and I need the money early?

You can access it, but an early withdrawal penalty will apply. The specifics depend on your term length. Contact us at 508.754.9980 and we’ll tell you exactly what the penalty would be for your account before you make any moves.

Is there a penalty for getting out before the term ends?

Yes. That’s the trade-off for the higher guaranteed rate; early withdrawal comes with a penalty. If you think you might need the money before the term is up, a money market account or a savings account gives you more flexibility, even if the return is lower.

What's the difference between a certificate and a money market account?

A certificate locks in a fixed rate for a fixed period. You get a guaranteed return, but you’re committing to leaving the money alone. A money market account earns a variable rate and lets you withdraw when you need to (up to 6 times a month on the Basic, 3 on the Premium). If access matters to you, choose money market. If rate and certainty matter more, choose a certificate.

Can I open a certificate as part of a retirement or investment strategy?

Yes. AllCom offers IRA Certificates (certificates held inside a Traditional or Roth IRA) which combine a guaranteed rate with the tax advantages of a retirement account. If that’s something you’re exploring, give us a call and we’ll walk you through how it works.

How do I know if a certificate or a savings account makes more sense for my goals?

Simple question to ask yourself: will I need this money in the next 6 to 12 months? If yes, keep it in savings where it’s accessible. If no, a certificate will earn you significantly more. If you’re somewhere in between, a money market gives you a middle-ground rate with more flexibility.

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