America's Credit Union has two very attractive promotional certificate accounts. The first has a 5.00% APY for 24 months and the second has a 4.50% APY for 13 months. These have a feature called Super Bump Flex which allows unlimited bump-up in rates if the interest rate rises. The second feature is the allowance of deposit add-ons in increments of $100 with a maximum deposit add-on over the life of the certificate not to exceed $100,000 over the opening balance. The bottom of the table states that the renewal dividend rate is 2.63% APY. I assume you would be able to choose not to renew the certificate without penalty at the end of the 13-month or 24-month term. Please leave a comment if you receive more info from the credit union.
Anyone seems to be eligible to join this credit union via membership into an association. Below is an excerpt from the credit union's About Us Page:
We do not have zip code or employment restrictions. Just join the Association of the United States Army. Membership is open to everyone!
Civilian membership into this association costs $33. You can be immediately eligible to join the credit union if you are in the military. Please refer to the About Us Page for the full details.
Even though this credit union makes it easy to qualify for membership, I'm not sure if they make it easy to join by mail. Please contact the credit union for details. Branches are located in the Washington State cities of Fort Lewis, DuPont, Olympia, Lakewood, Tacoma, Spanaway and University Place.
America's Credit Union has some decent financial ratings for soundness: 4 stars (excellent) at BauerFinancial and 3 stars (performing) at Bankrate.com. Both are based on 6/30/08 data. The credit union is federally insured by the NCUA (Charter # 9373). It has $284.6 million in assets and 31,748 members.