Certificate Accounts

A smarter way to save

Grow your savings faster—open a certificate account

Earn more from your savings

Today's Rates1

APY as high as2,3 4.55%

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. A certificate may be right for you if you want to:

  • Grow your savings at a faster pace
  • Save for a near-future purchase such as a home or vehicle
  • Build short-term wealth before investing

Think a certificate may be a good fit for your financial needs? Open a certificate account today.

*Annual Percentage Yield (APY). 4.55% APY rate applies to a $500 minimum deposit for 36 months and is subject to change without notice. Once the certificate is issued the APY will remain fixed until maturity. Subject to early withdrawal penalties.

An easy win for your money goals

Certificate accounts are...

Make it your own

Choose from 70 certificate options featuring terms between 1 month–5 years. No other savings account offers this kind of flexibility.

View your options

Rest at ease

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.

Save your way

Certificate accounts can do more for you with the right savings strategy—consider these ways to make the most of your certificate:

  • 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.
  • 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).
Open a certificate

How to open a certificate

You can open a certificate account at any Alaska USA branch or by calling our 24/7 Member Service Center at 800-525-9094.


Already a member?

You also have the option to open a certificate account via online account access—simply follow the steps outlined below:


Sign in

Sign in to online account access

Go now



Select the Account Profile tab, then the Open Certificate link below the tabs


Follow the onscreen instructions to open your new certificate account

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1Rates are subject to change at any time for any reason. Visit our rates page for full details. 

2The disclosed Annual Percentage Yield (APY) is the prospective yield that Alaska USA anticipates paying for the applicable dividend period. Once the certificate is issued the APY will remain fixed until maturity. The dividend distribution 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.

3Minimum deposit required is $500. Maturity periods vary from 30 days to 60 months. Certificates are subject to early withdrawal penalties. 

There are no qualification or eligibility criteria for members. For complete account information, refer to the Share Account Disclosure Statement. You will also receive one at the time an account is opened. 

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