Share Certificates are similar to Bank CD's (Certificates of Deposit). With as little as $500, members can invest in an Atlantic Regional Share Certificate and maximize their earnings. Terms range from 3 months to 5 years, so choose the term that’s right for you!

Changing Tides Share Certificate: Would you like to earn a higher dividend? Until now, you could open a Share Certificate and the rate you got was the rate you were stuck with for the life of the term. Now you have the option of increasing your rate! 

Changing Tides Share Certificate provides:

• A one-time increase (step-up) on your rate during the term
• Available for 3-year Share Certificates ONLY!
• $500 minimum deposit
• Early withdrawal penalty

• Length of term cannot be altered from original term

• NCUA & ESI insured 

18 Month Rippling Waves Share Certificate: This certificate offers members the security of a fixed rate product, with the option to add additional deposits during the certificate term! Members can now earn a better return without having to wait for their certificate to mature. PLUS, members can also draw dividends out anytime without incurring a penalty (180 days of dividends).

18 Month Rippling Waves Share Certificates provide:

• Option to add (minimum $500) additional deposits, throughout the certificate term
• Fixed rate
• $500 minimum balance/deposit
• Automatic renewal

• NCUA & ESI insured

   

  Certificate Specials*
  
  20-month Share or IRA Certificate 1.00 ^APR - 1.00% ^APY
  50-month Share or IRA Certificate 1.74 ^APR - 1.75% ^APY
  *Requires Online Banking and e-Statement - $500 minimum balance
  Special may end at any time, without notice

   Rates (APY) effective as of 3/31/12  

Share Certificate Term	DR*	APY**
3 Month Share Certificate ($100 minimum)	0.20%	0.20%
6 Month Share or IRA Certificate ($500 minimum)	0.35%	0.35%
12 Month Share or IRA Certificate ($500 minimum)	0.50%	0.50%
18 Month *Rippling Waves  Share or IRA Certificate ($500 minimum) - allows additional ($500 minimum) deposits	0.60%	0.60%
2 Years Share or IRA Certificate ($500 minimum)	0.80%	0.80%
3 Years *Changing Tides  Share or IRA Certificate ($500 minimum) - allows 1-time rate increase	1.14%	1.15%
4 Years Share or IRA Certificate ($500 minimum)	1.49%	1.50%
5 Years Share or IRA Certificate ($500 minimum)	1.69%	1.70%

*DR: Dividend Rate  **APY: Annual Percentage Yield.  
A penalty may be imposed for early withdrawal of funds.