Promotion Period: July 1, 2026, through July 31, 2026. 

*APY = Annual Percentage Yield.  Rates are subject to change without notice.  The annual percentage yield is accurate as of 07/01/2026. Minimum $500 deposit required.  Early withdrawal penalty may be imposed.  Fees could reduce earnings.  

Heroes Qualification:  Heroes are limited to individuals in the following professions and service categories: Veterans, Active Duty Military, First Responders (including active law enforcement officers, firefighters, EMTs, and paramedics), and Healthcare Workers (including physicians, nurses, dentists, chiropractors, medical technicians, and employees of healthcare facilities, including administrative and support staff).  Applicants must provide documentation acceptable to AmeriChoice Federal Credit Union verifying their eligibility for the Heroes Program.

Advertised rate of 3.70% APY includes a 0.10% Heroes dividend rate increase. Eligible Heroes may receive the same 0.10% dividend rate increase on other qualifying Share Certificates opened or renewed during the Promotion Period between July 1, 2026 ad July 31, 2026. The additional 0.10% dividend rate increase will be applied to the dividend rate in effect for the selected certificate term at the time of opening or renewal.

$250 Heroes Bonus Offer:  To qualify for the $250 Heroes Bonus Offer, all required accounts must be opened during the Promotion Period.
 
The applicant must be eligible for membership, qualify as a Hero under the Heroes Program, and open a new Share Savings Account, new Checking Account, and new Share Certificate with a minimum opening deposit of $500. The applicant must also establish and receive at least one electronic direct deposit into the Checking Account, obtain and activate an AmeriChoice debit card, enroll in Digital Banking, and consent to receive eStatements within 60 days of account opening.

All required accounts and services must remain open, funded, active, and in good standing for at least 60 days following account opening. For purposes of this offer, accounts are considered in good standing if they are not delinquent, restricted, overdrawn, charged off, or otherwise subject to closure by AmeriChoice Federal Credit Union.
 
The $250 bonus will be deposited into the qualifying Checking Account within 30 calendar days following completion of all offer requirements and the expiration of the 60-day qualification period.

Limit one bonus per individual member. Offer available only to individuals who are not current members of AmeriChoice Federal Credit Union at the time of account opening. Share Certificate early withdrawal penalties may apply. The value of the bonus may be reported to the IRS.  The member is responsible for any federal, state, or local taxes owed.  Please consult your tax professional regarding your specific situation.  

AmeriChoice Federal Credit Union reserves the right to terminate this promotion early in the event of fraud, system failure, or circumstances beyond its reasonable control.

Federally insured by NCUA.  Equal Housing Lender.