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¹ APY = Annual Percentage Yield stated for balances over $1,000.00. The 7-Month Certificate of Deposit is a Limited-time promotion and is subject to change without notice. The promotional rate is available for members with, a) a current America's CU checking account, b) if member does not have a checking account with America's CU they can bring a minimum of $10,000 to the existing credit union funds to purchase the CD, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days to be considered for the promotional rate. See our CD and IRA rates.