<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=456359911403087&amp;ev=PageView&amp;noscript=1">

The Best Rates at ACU

  • At America's Credit Union we update our rates often to be able to offer our member-owners the highest deposit rates.
  • If you're looking for great rates from a local, community-based credit union, you're in the right spot!
View Rates
deposit-rates-hero

Share Savings Account Rates

View the Savings Account Page or the Kasasa® Saver 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
$500.00 and above
TEXT
Kasasa® Saver**
TEXT
0.498%
TEXT
0.50%
TEXT
$0-$50,000
TEXT
Kasasa® Saver**
TEXT
0.25%
TEXT
0.25%
TEXT
Over $50,000
TEXT
Kasasa® Saver**
TEXT
0.01%
TEXT
0.01%
TEXT
All balances if qualifications not met.
Effective May 1, 2021
Account Type

Regular Savings

Dividend Rate*

0.05%

Annual Percentage Yield (APY)**

0.05%

Dividends Paid on Amounts

$500.00 and above

Account Type

Kasasa® Saver**

Dividend Rate*

0.498%

Annual Percentage Yield (APY)**

0.50%

Dividends Paid on Amounts

$0-$50,000

Account Type

Kasasa® Saver**

Dividend Rate*

0.25%

Annual Percentage Yield (APY)**

0.25%

Dividends Paid on Amounts

Over $50,000

Account Type

Kasasa® Saver**

Dividend Rate*

0.01%

Annual Percentage Yield (APY)**

0.01%

Dividends Paid on Amounts

All balances if qualifications not met.

Effective May 1, 2021

* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811. **Qualification Requirements: Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle, have at least 15 debit card transactions with a minimum of $5 purchase or more per transaction, enrolled in and agree to receive eStatements, log in to online banking or mobile banking one time per month. If requirements are not met, your account is still free and you'll earn our base rate.


IRA Savings Account Rates

View the IRA Page for details.

Account Type Minimum To Earn Dividend Dividend Rate* Annual Percentage Yield (APY)*
TEXT
IRA Share Savings Account
TEXT
$25 - $4.999.99
TEXT
0.050%
TEXT
0.05%
TEXT
IRA Share Savings Account
TEXT
$5,000 - $9,999.99
TEXT
0.050%
TEXT
0.05%
TEXT
IRA Share Savings Account
TEXT
$10,000 to $24,999.99
TEXT
0.050%
TEXT
0.05%
TEXT
IRA Share Savings Account
TEXT
$25,000 - $49,999.99
TEXT
0.050%
TEXT
0.05%
TEXT
IRA Share Savings Account
TEXT
$50,000 and above
TEXT
0.050%
TEXT
0.05%
Effective May 1, 2021
Account Type

IRA Share Savings Account

Minimum To Earn Dividend

$25 - $4.999.99

Dividend Rate*

0.050%

Annual Percentage Yield (APY)*

0.05%

Account Type

IRA Share Savings Account

Minimum To Earn Dividend

$5,000 - $9,999.99

Dividend Rate*

0.050%

Annual Percentage Yield (APY)*

0.05%

Account Type

IRA Share Savings Account

Minimum To Earn Dividend

$10,000 to $24,999.99

Dividend Rate*

0.050%

Annual Percentage Yield (APY)*

0.05%

Account Type

IRA Share Savings Account

Minimum To Earn Dividend

$25,000 - $49,999.99

Dividend Rate*

0.050%

Annual Percentage Yield (APY)*

0.05%

Account Type

IRA Share Savings Account

Minimum To Earn Dividend

$50,000 and above

Dividend Rate*

0.050%

Annual Percentage Yield (APY)*

0.05%

Effective May 1, 2021

*Fees could reduce earnings. Minimum deposit of $25 is required to open an IRA Savings Account. An average daily balance of $25 is required to earn dividends. Questions? Call 1-800-543-2811.


Club Account Rates

View the Special Savings and Club Account Page for details.

Account Type Dividend Rate* Annual Percentage Yield Dividends Paid on Amounts
TEXT
Christmas Club
TEXT
0.10%
TEXT
0.10%
TEXT
$100.00 and above
TEXT
Vacation Club
TEXT
0.10%
TEXT
0.10%
TEXT
$100.00 and above
Effective May 1, 2021
Account Type

Christmas Club

Dividend Rate*

0.10%

Annual Percentage Yield

0.10%

Dividends Paid on Amounts

$100.00 and above

Account Type

Vacation Club

Dividend Rate*

0.10%

Annual Percentage Yield

0.10%

Dividends Paid on Amounts

$100.00 and above

Effective May 1, 2021

* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811.


Youth Savings Account Rates

View the Youth Savings Account Page for details.

Account Type Dividend Rate* Annual Percentage Yield (APY)* Dividends Paid on Amounts
TEXT
Kids Club Savings
TEXT
0.10%
TEXT
0.10%
TEXT
$25.00 and above
TEXT
Smart Start Savings
TEXT
0.10%
TEXT
0.10%
TEXT
$25.00 and above
Effective May 1, 2021
Account Type

Kids Club Savings

Dividend Rate*

0.10%

Annual Percentage Yield (APY)*

0.10%

Dividends Paid on Amounts

$25.00 and above

Account Type

Smart Start Savings

Dividend Rate*

0.10%

Annual Percentage Yield (APY)*

0.10%

Dividends Paid on Amounts

$25.00 and above

Effective May 1, 2021

* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811.


Certificates of Deposit Rates

View the Certificates of Deposit Page for details.

Account Type Term Dividend Rate Annual Percentage Yield (APY)
TEXT
Term Share Certificate
TEXT
6 Months
TEXT
0.100%
TEXT
0.10%
TEXT
Term Share Certificate
TEXT
1 Year
TEXT
0.200%
TEXT
0.20%
TEXT
Term Share Certificate
TEXT
18 Month
TEXT
0.200%
TEXT
0.20%
TEXT
Term Share Certificate
TEXT
2 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Term Share Certificate
TEXT
3 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Term Share Certificate
TEXT
4 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Term Share Certificate
TEXT
5 Year
TEXT
0.648%
TEXT
0.65%
TEXT
Mini-Jumbo Certificate
TEXT
1 Year
TEXT
0.200%
TEXT
0.20%
TEXT
Mini-Jumbo Certificate
TEXT
18 Month
TEXT
0.200%
TEXT
0.20%
TEXT
Mini-Jumbo Certificate
TEXT
3 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Mini-Jumbo Certificate
TEXT
4 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Mini-Jumbo Certificate
TEXT
5 Year
TEXT
0.648%
TEXT
0.65%
TEXT
Jumbo Certificate
TEXT
1 Year
TEXT
0.200%
TEXT
0.20%
TEXT
Jumbo Certificate
TEXT
2 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Jumbo Certificate
TEXT
18 Month
TEXT
0.200%
TEXT
0.20%
TEXT
Jumbo Certificate
TEXT
3 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Jumbo Certificate
TEXT
4 Year
TEXT
0.300%
TEXT
0.30%
TEXT
Jumbo Certificate
TEXT
5 Year
TEXT
0.648%
TEXT
0.65%
TEXT
Mini-Jumbo Certificate
TEXT
2 Year
TEXT
0.300%
TEXT
0.30%
Effective May 1, 2021
Account Type

Term Share Certificate

Term

6 Months

Dividend Rate

0.100%

Annual Percentage Yield (APY)

0.10%

Account Type

Term Share Certificate

Term

1 Year

Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Account Type

Term Share Certificate

Term

18 Month

Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Account Type

Term Share Certificate

Term

2 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Term Share Certificate

Term

3 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Term Share Certificate

Term

4 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Term Share Certificate

Term

5 Year

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Mini-Jumbo Certificate

Term

1 Year

Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Account Type

Mini-Jumbo Certificate

Term

18 Month

Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Account Type

Mini-Jumbo Certificate

Term

3 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Mini-Jumbo Certificate

Term

4 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Mini-Jumbo Certificate

Term

5 Year

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Jumbo Certificate

Term

1 Year

Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Account Type

Jumbo Certificate

Term

2 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Jumbo Certificate

Term

18 Month

Dividend Rate

0.200%

Annual Percentage Yield (APY)

0.20%

Account Type

Jumbo Certificate

Term

3 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Jumbo Certificate

Term

4 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Account Type

Jumbo Certificate

Term

5 Year

Dividend Rate

0.648%

Annual Percentage Yield (APY)

0.65%

Account Type

Mini-Jumbo Certificate

Term

2 Year

Dividend Rate

0.300%

Annual Percentage Yield (APY)

0.30%

Effective May 1, 2021

*Annual Percentage Yield (APY) rates are subject to change without notice. Fees could reduce the earnings. Minimum deposit required to open and earn dividends on Term Share Certificates is $1,000. Minimum deposit required to open and earn dividends on Mini-Jumbo Certificates is $50,000. Maximum deposit is $98,999.99. Minimum deposit required to open and earn dividends on Jumbo Certificates is $99,000. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure.


Money Market Checking Account Rate

View the Money Market Checking Account Page for details.

Account Type Minimum To Earn Dividend Dividend Rate Annual Percentage Yield (APY)*
TEXT
Money Market
TEXT
$1,000 - $9,999.99
TEXT
.050%
TEXT
0.05%
TEXT
Money Market
TEXT
$10,000 - $24,999.99
TEXT
.100%
TEXT
0.10%
TEXT
Money Market
TEXT
$25,000 - $299,999.99
TEXT
.100%
TEXT
0.10%
TEXT
Money Market
TEXT
$300,000 and above
TEXT
.150%
TEXT
0.15%
Effective May 1, 2021
Account Type

Money Market

Minimum To Earn Dividend

$1,000 - $9,999.99

Dividend Rate

.050%

Annual Percentage Yield (APY)*

0.05%

Account Type

Money Market

Minimum To Earn Dividend

$10,000 - $24,999.99

Dividend Rate

.100%

Annual Percentage Yield (APY)*

0.10%

Account Type

Money Market

Minimum To Earn Dividend

$25,000 - $299,999.99

Dividend Rate

.100%

Annual Percentage Yield (APY)*

0.10%

Account Type

Money Market

Minimum To Earn Dividend

$300,000 and above

Dividend Rate

.150%

Annual Percentage Yield (APY)*

0.15%

Effective May 1, 2021

* Fees could reduce the earnings. Rate/Yield on the above account is subject to change daily. Questions? Call 1-800-543-2811.


IRA Certificate of Deposit

View the Certificates of Deposit Page for details.

Certificate of Deposit Dividend Rate* Annual Percentage Yield (APY)*
TEXT
12 Month IRA Certificate
TEXT
0.200%
TEXT
0.20%
TEXT
18 Month IRA Certificate
TEXT
0.200%
TEXT
0.20%
TEXT
24 Month IRA Certificate
TEXT
0.300%
TEXT
0.30%
TEXT
3 Year IRA Certificate
TEXT
0.300%
TEXT
0.30%
TEXT
4 Year IRA Certificate
TEXT
0.300%
TEXT
0.30%
TEXT
5 Year IRA Certificate
TEXT
0.648%
TEXT
0.65%
Effective May 1, 2021
Certificate of Deposit

12 Month IRA Certificate

Dividend Rate*

0.200%

Annual Percentage Yield (APY)*

0.20%

Certificate of Deposit

18 Month IRA Certificate

Dividend Rate*

0.200%

Annual Percentage Yield (APY)*

0.20%

Certificate of Deposit

24 Month IRA Certificate

Dividend Rate*

0.300%

Annual Percentage Yield (APY)*

0.30%

Certificate of Deposit

3 Year IRA Certificate

Dividend Rate*

0.300%

Annual Percentage Yield (APY)*

0.30%

Certificate of Deposit

4 Year IRA Certificate

Dividend Rate*

0.300%

Annual Percentage Yield (APY)*

0.30%

Certificate of Deposit

5 Year IRA Certificate

Dividend Rate*

0.648%

Annual Percentage Yield (APY)*

0.65%

Effective May 1, 2021

*Annual Percentage Yield (APY). Minimum deposit of $500 is required to open an IRA Term Share Certificate. An average daily balance of $500 is required to earn dividends. All rates are subject to change without notice. Other terms and rates available including ROTH IRA Term Share Certificates and Coverdell Certificates. Fees could reduce the earnings. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure.


Checking Account Rates

View the Kasasa® Cash, Kasasa® Cash Back or Flexible Checking Account Page for details.

Account Type Dividend Rate* Annual Percentage Yield (APY)** Dividends Paid on Amounts
TEXT
Kasasa® Cash**
TEXT
1.73%
TEXT
1.75%
TEXT
$0-$25,000
TEXT
Kasasa® Cash**
TEXT
0.25%
TEXT
0.25%
TEXT
Over $25,000
TEXT
Kasasa® Cash**
TEXT
0.01%
TEXT
0.01%
TEXT
All balances if qualifications not met.
TEXT
Kasasa® Cash Back
TEXT
None
TEXT
None
TEXT
N/A
TEXT
Flexible Checking
TEXT
None
TEXT
None
TEXT
N/A
Effective May 1, 2021
Account Type

Kasasa® Cash**

Dividend Rate*

1.73%

Annual Percentage Yield (APY)**

1.75%

Dividends Paid on Amounts

$0-$25,000

Account Type

Kasasa® Cash**

Dividend Rate*

0.25%

Annual Percentage Yield (APY)**

0.25%

Dividends Paid on Amounts

Over $25,000

Account Type

Kasasa® Cash**

Dividend Rate*

0.01%

Annual Percentage Yield (APY)**

0.01%

Dividends Paid on Amounts

All balances if qualifications not met.

Account Type

Kasasa® Cash Back

Dividend Rate*

None

Annual Percentage Yield (APY)**

None

Dividends Paid on Amounts

N/A

Account Type

Flexible Checking

Dividend Rate*

None

Annual Percentage Yield (APY)**

None

Dividends Paid on Amounts

N/A

Effective May 1, 2021

*Rate/Yield on the above accounts is subject to change daily. Minimum of $25 to open. Questions? Call 1-800-543-2811. **Annual Percentage Yields (APY) are based upon daily balance. Qualification Requirements: Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle, have at least 15 debit card transactions with a minimum of $5 purchase or more per transaction, enrolled in and agree to receive eStatements, log in to online banking or mobile banking one time per month. If requirements are not met, your account is still free and you'll earn our base rate.