Lock in.
Earn more.
(and let your savings do its thing).
Earn more on savings you can set aside with an AlumniFi Certificate. Choose your term, lock in your rate, and let your money grow until the term ends.1
Simple. Predictable. Easy.
1Certificate rate is fixed for the term of the Certificate at the time it is opened. Minimum opening balance for all Certificate terms is $1,000. Earnings assume funds remain on deposit for the term of the Certificate and are compounded monthly. An early withdrawal could reduce your initial investment, and penalty applies if funds are withdrawn prior to maturity. Early withdrawal penalties will not be charged for withdrawal due to disability or after death of Certificate owner. Visit our Certificate Disclosure for full details.
Choose how long
There’s a Certificate to match your timeline.
LOCK IN YOUR RATE
Your rate stays the same for your entire term .
LET IT GROW
Start with $1,000 (or more) and watch your savings do its thing.
Savings you can set aside?
Let them earn.
Big trip. New car. Down payment. Future-you fund.
Whatever you're saving for, a Certificate can help you
earn more while you wait.
SET IT AN
FORGET IT
Choose your term, lock in your rate, and watch it grow.
SAFE AND
SECURE
Your savings are federally insured by the NCUA.
BUILD YOUR
SAVINGS MIX
Pair your AlumniFi High-Yield Savings with a Certificate for a smarter way to save.
Pick your term.
Lock in your rate.
Whether you're saving for next year or a few years
from now, choose the timeline that works for you.
AVAILABLE TERMS
9 Months
18 Months
1 Year
2 Years
3 Years
4 Years
5 Years
APY*
4.00%
4.15%
4.05%
4.30%
4.35%
4.35%
4.40%
Unlock member perks with your Certificate.
Your Certificate is just one way to make more with your money. As an AlumniFi member, you also get access to tools, rewards, and experiences designed to make money — and adulting — a little easier.
Changed
Free access to round-ups that knock down debt automatically.
Fin-Life
Bite-sized lessons that build your financial plan in just minutes a week.
Debbie
Earn cash rewards while learning to budget and pay off debt.
ELITE MEMBER EXPERIENCES
Whether you bleed Le Rouge or cheer on NMU, support your favorite team with exclusive card designs and banking experiences.
Adulting is hard.
Banking shouldn’t be.
Adulting
is hard.
Banking
shouldn’t be.
You worked hard to save it.
Now give your money a chance to work harder for you.
*APY = Annual Percentage Yield
†Competitor’s savings account with a 0.20% APY – $2,500 average based on the credit unions national average rate, as of 12/26/25, as reflected on NCUA Credit Union and Bank Rates.
