Wherever You're Headed, Earn 4.27% APY* Along the Way
Make more of money you're ready to set aside. Open an 18-Month Promotional Share Certificate with as little as $500 in New Money and earn 4.27% APY for the 18-month term.
Offer Details:
4.27% APY
18-month term
$500 minimum deposit
Must be funded with New Money from another financial institution
Requires an eligible Fusion Plus Checking Account established when the certificate is opened
Dividends compound daily
Your rate is fixed for the 18-month term
With all Alero Financial share certificates, you'll enjoy no maintenance fees, competitive rates, and the safety of NCUA insurance up to $250,000.
How to Open a Share Certificate
Want to take advantage of one of our low-risk, high-reward share certificates? We're here to help.
Here are the ways members can open a share certificate at Alero:
Phone: Call 1-800-359-1939 to talk to a Member Center specialist during regular business hours. (¡Hablamos español!).
Schedule an Appointment: Book a phone call or Teams meeting at a time that works best for you! This is a great option if you are not a member and want to join and open a share certificate at the same time.
No worries! You don't need to be a current member to take advantage of this offer. Join our credit union family and then you can open your share certificate!
Not sure if you qualify for membership? The good news is that anyone, anywhere in the United States can qualify for membership with our credit union. Learn more by visiting our Join page.
Frequently Asked Questions
¡Si! Si llama a nuestro Centro de Atención al Miembro al 1-800-359-1939, podemos encontrar a alguien que le ayude en español.
Similar to a certificate of deposit (CD) offered by a bank, credit union share certificates are a type of investment account designed to allow you to set aside money for specific periods of time (e.g. 6, 12, 24, or 36 months) at a higher savings rate. The longer the term of your certificate, the higher the annual percentage yield (APY) you'll typically receive.
Yes! The beauty of a share certificate is that it is a totally risk-free way to grow your money at a higher-than-average rate with the full protection of National Credit Union Administration (NCUA) insurance. So you can rest easy knowing your share certificate is protected up to $250,000.
There are no account maintenance fees with an Alero Financial share certificate account.
However, your account will be assessed a dividend penalty if you withdraw your funds before the term of your certificate is complete. This includes 60 days worth of dividends on a 6- or 12-month term and 150 days worth of dividends on a 24-month or 36-month term.
Alero Financial share certificate dividends are calculated daily and paid monthly.
There are several ways to open an Alero Financial share certificate with money from another financial institution:
Wire yourself the money from another financial institution. Incoming wire transfers to Alero Financial are free!
Write a check and deposit it through Alero Financial's mobile banking app (be aware of limits).
Arrange a transfer of funds from a connected bank in our mobile app (note that it takes 2-4 days to set up an external transfer. Click here to learn more about external transfers.
Use funds from a recent direct deposit! (Don't have direct deposit set up yet? Use this form to get started).
Statements are provided quarterly and are available by mail. If you are signed up for eStatements, they are available when logged in to digital banking.
You can view your share certificate activity when logged into digital banking. You can also view activity in our quarterly statements.
As your maturity date approaches, you will receive a letter at least one month beforehand notifying you that your share certificate is about to mature. This letter will provide rate information and instructions about your options.
You can also set up an alert to remind yourself of your upcoming share certificate maturity.
To activate this feature:
Log into digital banking and go to More > Tools > Alerts > Accounts
Choose your share certificate account under Selected Account drop down
Tap the Certificate Maturity button option
Set the amount of days in advance that you want to receive a reminder by email and/or by push notification to your mobile device.
Save your selections
Opting out of autorenewal
If you do not want your certificate to automatically renew, you can call our Member Center at 1-800-359-1939 or stop by an Alero Financial branch to indicate your preference before the certificate matures or within the 10-day grace period after the maturity date.
If the certificate automatically rolls over, it will renew at the current rate for that share certificate term at the time of maturity.
If your share certificate was opened through a special offer with an atypical term (i.e. 11 months or 7 months), it will renew at the nearest term length (e.g. an 11-month certificate will renew as a 12-month certificate).
Current Share Certificate Rates and Terms
If you're looking for a high-yield investment with minimal risk, you came to the right place. We strive to keep our share certificate rates above the market average so our members can save more.
*APY = Annual Percentage Yield. APY for this promotional offer is accurate as of 10/01/2026 and subject to change without notice prior to account opening.
**"New Money" or "Moving your money from another financial institution" refers to funds transferred or deposited from another financial institution that are not currently on deposit at Alero Financial.
Promotional offer starts October 1, 2026 and is valid for a limited time only. Promotional rate of 4.27% APY applies to new Share Certificates with an 18-month term. A minimum deposit of $500 in New Money is required to open the promotional Share Certificate, and a minimum balance of $500.00 is required to earn the stated APY.
To qualify for the promotional rate, members must have an eligible Fusion Plus Checking Account established at the time the new 18-month promotional Share Certificate is opened. Fusion Plus Checking account approval, eligibility requirements, and account opening procedures apply. Accounts must be in good standing at account opening. Funds currently on deposit at Alero Financial do not qualify as New Money.
The dividend rate for the 18-month promotional Share Certificate is 4.18%. Dividends are calculated daily and paid monthly. Penalties may apply for early withdrawal of Share Certificate funds.
At the end of the 18-month promotional term, the Share Certificate will automatically renew at the standard rate offered at the time of maturity for a Share Certificate with a 12-month term. A 10-day grace period applies at the time of maturity.
Your savings are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government.
Penalties apply for early withdrawal of funds. See "Important Account Information for our Members" disclosure for complete details.
