Share Certificate Accounts (CD's)

Share Certificate Accounts allow you to earn higher dividend rates when you lock into a specific term. Typically, the longer the term of the share certificate, the higher the dividend rate.

Minimum Balance $500 for 6, 12, 24, 36 and 60 month terms
$10,000 for 15 month term
Monthly Service Charge None
Terms Available 6, 12, 15, 24, 36, 48 and 60 months 
Withdrawals None
Early Withdrawal Penalty

A penalty may be imposed for early withdrawals. Penalties are based upon the original term of the certificate and the amount of the withdrawal. The penalty may reduce the principal.

Penalties are as follows:

Less than 24 months
90-days dividends
24 to 36 months
120-days dividends
48 months or greater
180-days dividends
Annual Percentage Yields
Terms Annual Percentage Yield
6 months .40%
12 months .50%
15 months ($10,000 minimum) .60%
24 months .60%
36 months .75%
48 months .90%
60 months 1.00%

Dividends are compounded and paid monthly based on the average daily balance.
Renewal You have 7 calendar days from the date of maturity to redeem or withdraw from your Share Certificate. Unredeemed accounts will automatically rollover, for the same term and at the current rate, on the maturity date.
Statements Issued Quarterly by If you have a checking account or electronic transactions post to your prime share account, monthly statements are provided.
ASI Insured Funds are insured up to $250,000 per account. By member choice, this institution is not federally insured. Click here for more information regarding ASI.
*At this time payroll deduction is only available to employees of ANL and Fermilab.

To request a Share Certificate Account Agreement e-mail or call (815) 267-7700 or (866) 469-6228 or Make an Appointment.