Certificates ACFCU offers higher dividend rates on Term Share Certificates for 3 months to 60 months. Minimum balances begin at $1,000 and increase for longer term certificates. Dividends earned can be compounded or credited to your savings or checking account or mailed to you in the form of a check. Current Rates Open your share certificate. Give us a call at (806) 358-7561 or click the ‘Video Chat’ button below. Video Chat