Members of AAA have access to certificates of deposit (CDs) with competitive rates above the national average. The CD rate for a 2-year term is a fixed 1.8% annual percentage yield (APY) as of Oct. 19, 2010. Other CD rates and terms include:
- 0.75% APY for 3 months
- 1.05% APY for 6 months
- 1.15% APY for 9 months
- 1.4% APY for 1 year
- 1.55% APY for 18 months
- 1.9% APY for 30 months
- 2.05% APY for 3 years
- 2.3% APY for 4 years
- 2.8% APY for 5 years
- 2.95% APY for 7 years
- 3.05% APY for 10 years
Opening a CD does not require a minimum deposit. The CD rates are subject to change at any time, so verify current rates with AAA before opening an account. Account fees, such a penalty for early withdrawal, might reduce earnings. CD accounts are offered through Discover Bank.
You can access your account online. The interest payments can remain in the CD or be transferred to any other account you choose. You can also use electronic deposit to add funds to a maturing CD or a new one. CDs are insured by the Federal Deposit Insurance Corp. (FDIC).

