The Best Rates at ACU
At America's Credit Union we update our rates often to be able to offer our memberowners the highest deposit rates. If you're looking for great rates from a local, communitybased credit union, you're in the right spot!
UPDATE 11/25/20: The main number to the ACCESS 24 bankbyphone service is not yet fully operational, though there are now four underlying numbers within the system that are working. You may dial any of them to access the system. Those numbers are: 9724943862; 9722726660; 9724876899; and 9724850314.
ACU offices will be closed Thursday, November 26th and Friday, November 27th in observance of the Thanksgiving holiday. The drive thru at our Forest Lane office will be open Saturday, November 28th from 9am to 1pm.
At America's Credit Union we update our rates often to be able to offer our memberowners the highest deposit rates. If you're looking for great rates from a local, communitybased credit union, you're in the right spot!
View the Savings Account Page for details.
Account Type  Dividend Rate*  Annual Percentage Yield (APY)*  Dividends Paid on Amounts  

TEXT
Regular Savings

TEXT
0.05%

TEXT
0.05%

TEXT
$200.00  $9,999.99


TEXT
Regular Savings

TEXT
0.10%

TEXT
0.10%

TEXT
$10,000.00 and above


Effective May 11, 2020 
Regular Savings
Dividend Rate*0.05%
Annual Percentage Yield (APY)*0.05%
Dividends Paid on Amounts$200.00  $9,999.99
Regular Savings
Dividend Rate*0.10%
Annual Percentage Yield (APY)*0.10%
Dividends Paid on Amounts$10,000.00 and above
* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 18005432811.
View the IRA Page for details.
Account Type  Interest Rate*  Annual Percentage Yield (APY)*  Interest Paid On Amounts  

TEXT
IRA Deposit Account

TEXT
0.05%

TEXT
0.05%

TEXT
$200.00  $9,999.99


TEXT
IRA Deposit Account

TEXT
0.10%

TEXT
0.10%

TEXT
$10,000.00 and above


Effective May 11, 2020 
IRA Deposit Account
Interest Rate*0.05%
Annual Percentage Yield (APY)*0.05%
Interest Paid On Amounts$200.00  $9,999.99
IRA Deposit Account
Interest Rate*0.10%
Annual Percentage Yield (APY)*0.10%
Interest Paid On Amounts$10,000.00 and above
*Fees could reduce earnings. Questions? Call 18005432811.
View the Special Savings and Club Account Page for details.
Account Type  Dividend Rate*  Annual Percentage Yield  Dividends Paid on Amounts  

TEXT
Special Savings

TEXT
0.05%

TEXT
0.05%

TEXT
$200.00  $9,999.99


TEXT
Special Savings

TEXT
0.10%

TEXT
0.10%

TEXT
$10,000.00 and above


TEXT
Christmas Club

TEXT
0.05%

TEXT
0.05%

TEXT
$5.00 and above


TEXT
Vacation Club

TEXT
0.05%

TEXT
0.05%

TEXT
$5.00 and above


Effective May 11, 2020 
Special Savings
Dividend Rate*0.05%
Annual Percentage Yield0.05%
Dividends Paid on Amounts$200.00  $9,999.99
Special Savings
Dividend Rate*0.10%
Annual Percentage Yield0.10%
Dividends Paid on Amounts$10,000.00 and above
Christmas Club
Dividend Rate*0.05%
Annual Percentage Yield0.05%
Dividends Paid on Amounts$5.00 and above
Vacation Club
Dividend Rate*0.05%
Annual Percentage Yield0.05%
Dividends Paid on Amounts$5.00 and above
* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 18005432811.
View the Youth Savings Account Page for details.
Account Type  Dividend Rate*  Annual Percentage Yield (APY)*  Dividends Paid on Amounts  

TEXT
Youth Savings

TEXT
0.05%

TEXT
0.05%

TEXT
$25.00  $9,999.99


TEXT
Youth Savings

TEXT
0.10%

TEXT
0.10%

TEXT
$10,000.00 and above


Effective May 11, 2020 
Youth Savings
Dividend Rate*0.05%
Annual Percentage Yield (APY)*0.05%
Dividends Paid on Amounts$25.00  $9,999.99
Youth Savings
Dividend Rate*0.10%
Annual Percentage Yield (APY)*0.10%
Dividends Paid on Amounts$10,000.00 and above
* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 18005432811.
View the Certificates of Deposit Page for details.
Certificate of Deposit  Interest Rate  Annual Percentage Yield (APY)  

TEXT
6 months under $100,000

TEXT
0.10%

TEXT
0.10%


TEXT
6 months $100,000 +

TEXT
0.10%

TEXT
0.10%


TEXT
12 months under $100,000

TEXT
0.20%

TEXT
0.20%


TEXT
12 months $100,000 +

TEXT
0.20%

TEXT
0.20%


TEXT
18 months under $100,000

TEXT
0.20%

TEXT
0.20%


TEXT
18 months $100,000 +

TEXT
0.20%

TEXT
0.20%


TEXT
24 months under $100,000

TEXT
0.30%

TEXT
0.30%


TEXT
24 months $100,000 +

TEXT
0.30%

TEXT
0.30%


TEXT
36 months under $100,000

TEXT
0.30%

TEXT
0.30%


TEXT
36 months $100,000 +

TEXT
0.30%

TEXT
0.30%


Effective October 1, 2020 
6 months under $100,000
Interest Rate0.10%
Annual Percentage Yield (APY)0.10%
6 months $100,000 +
Interest Rate0.10%
Annual Percentage Yield (APY)0.10%
12 months under $100,000
Interest Rate0.20%
Annual Percentage Yield (APY)0.20%
12 months $100,000 +
Interest Rate0.20%
Annual Percentage Yield (APY)0.20%
18 months under $100,000
Interest Rate0.20%
Annual Percentage Yield (APY)0.20%
18 months $100,000 +
Interest Rate0.20%
Annual Percentage Yield (APY)0.20%
24 months under $100,000
Interest Rate0.30%
Annual Percentage Yield (APY)0.30%
24 months $100,000 +
Interest Rate0.30%
Annual Percentage Yield (APY)0.30%
36 months under $100,000
Interest Rate0.30%
Annual Percentage Yield (APY)0.30%
36 months $100,000 +
Interest Rate0.30%
Annual Percentage Yield (APY)0.30%
* Fees could reduce the earnings. Questions? Call 18005432811.
View the Money Market Checking Account Page for details.
Account Type  Interest rate*  Annual Percentage Yield (APY)*  Interest Calculation Method  Interest Paid  Interest Paid on Amount Over  

TEXT
Preferred Money Market

TEXT
0.05%

TEXT
0.05%

TEXT
Daily Balance

TEXT
Monthly

TEXT
$2,000.00


Effective May 11, 2020 
Preferred Money Market
Interest rate*0.05%
Annual Percentage Yield (APY)*0.05%
Interest Calculation MethodDaily Balance
Interest PaidMonthly
Interest Paid on Amount Over$2,000.00
* Fees could reduce the earnings. Rate/Yield on the above account is subject to change daily. Questions? Call 18005432811.
View the Certificates of Deposit Page for details.
Certificate of Deposit  Interest Rate *  Annual Percentage Yield (APY)*  

TEXT
6 months under $100,000

TEXT
0.10%

TEXT
0.10%


TEXT
6 months $100,000 +

TEXT
0.10%

TEXT
0.10%


TEXT
12 months under $100,000

TEXT
0.20%

TEXT
0.20%


TEXT
12 months $100,000 +

TEXT
0.20%

TEXT
0.20%


TEXT
18 months under $100,000

TEXT
0.20%

TEXT
0.20%


TEXT
18 months $100,000 +

TEXT
020%

TEXT
0.20%


TEXT
24 months under $100,000

TEXT
0.30%

TEXT
0.30%


TEXT
24 months $100,000 +

TEXT
0.30%

TEXT
0.30%


TEXT
36 months under $100,000

TEXT
0.30%

TEXT
0.30%


TEXT
36 months $100,000 +

TEXT
0.30%

TEXT
0.30%


Effective October 1, 2020 
6 months under $100,000
Interest Rate *0.10%
Annual Percentage Yield (APY)*0.10%
6 months $100,000 +
Interest Rate *0.10%
Annual Percentage Yield (APY)*0.10%
12 months under $100,000
Interest Rate *0.20%
Annual Percentage Yield (APY)*0.20%
12 months $100,000 +
Interest Rate *0.20%
Annual Percentage Yield (APY)*0.20%
18 months under $100,000
Interest Rate *0.20%
Annual Percentage Yield (APY)*0.20%
18 months $100,000 +
Interest Rate *020%
Annual Percentage Yield (APY)*0.20%
24 months under $100,000
Interest Rate *0.30%
Annual Percentage Yield (APY)*0.30%
24 months $100,000 +
Interest Rate *0.30%
Annual Percentage Yield (APY)*0.30%
36 months under $100,000
Interest Rate *0.30%
Annual Percentage Yield (APY)*0.30%
36 months $100,000 +
Interest Rate *0.30%
Annual Percentage Yield (APY)*0.30%
* Fees could reduce the earnings. Questions? Call 18005432811.
ACU NMLS ID #562279
America’s Credit Union will NOT ask you to update your information through an emailed link or a cell phone text message. Should you receive an email or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.
The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU.
America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 9724945328 or 8005432811 so that we may promptly assist you and remedy any accessibility concerns.