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Stacking Coins for ACU Savings Account

ACU Deposit Rates

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!

 

Deposit Account Rates

Share Savings Account Rates

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 July 1, 2019
Account Type

Regular Savings

Dividend Rate*

0.05%

Annual Percentage Yield (APY)*

0.05%

Dividends Paid on Amounts

$200.00 - $9,999.99

Account Type

Regular Savings

Dividend Rate*

0.10%

Annual Percentage Yield (APY)*

0.10%

Dividends Paid on Amounts

$10,000.00 and above

Effective July 1, 2019

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


IRA Savings Account Rates

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 July 1, 2019
Account Type

IRA Deposit Account

Interest Rate*

0.05%

Annual Percentage Yield (APY)*

0.05%

Interest Paid On Amounts

$200.00 - $9,999.99

Account Type

IRA Deposit Account

Interest Rate*

0.10%

Annual Percentage Yield (APY)*

0.10%

Interest Paid On Amounts

$10,000.00 and above

Effective July 1, 2019

*Fees could reduce earnings. Questions? Call 1-800-543-2811.


Special Savings and 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
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 July 1, 2019
Account Type

Special Savings

Dividend Rate*

0.05%

Annual Percentage Yield

0.05%

Dividends Paid on Amounts

$200.00 - $9,999.99

Account Type

Special Savings

Dividend Rate*

0.10%

Annual Percentage Yield

0.10%

Dividends Paid on Amounts

$10,000.00 and above

Account Type

Christmas Club

Dividend Rate*

0.05%

Annual Percentage Yield

0.05%

Dividends Paid on Amounts

$5.00 and above

Account Type

Vacation Club

Dividend Rate*

0.05%

Annual Percentage Yield

0.05%

Dividends Paid on Amounts

$5.00 and above

Effective July 1, 2019

* 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
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 July 1, 2019
Account Type

Youth Savings

Dividend Rate*

0.05%

Annual Percentage Yield (APY)*

0.05%

Dividends Paid on Amounts

$25.00 - $9,999.99

Account Type

Youth Savings

Dividend Rate*

0.10%

Annual Percentage Yield (APY)*

0.10%

Dividends Paid on Amounts

$10,000.00 and above

Effective July 1, 2019

* 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.

Certificate of Deposit Interest Rate Annual Percentage Yield (APY)
TEXT
6 months under $100,000
TEXT
0.35%
TEXT
0.35%
TEXT
6 months $100,000 +
TEXT
0.40%
TEXT
0.40%
TEXT
12 months under $100,000
TEXT
0.65%
TEXT
0.65%
TEXT
12 months $100,000 +
TEXT
0.70%
TEXT
0.70%
TEXT
18 months under $100,000
TEXT
0.65%
TEXT
0.65%
TEXT
18 months $100,000 +
TEXT
0.70%
TEXT
0.70%
TEXT
24 months under $100,000
TEXT
0.90%
TEXT
0.90%
TEXT
24 months $100,000 +
TEXT
1.00%
TEXT
1.00%
TEXT
36 months under $100,000
TEXT
1.10%
TEXT
1.10%
TEXT
36 months $100,000 +
TEXT
1.10%
TEXT
1.10%
Effective July 1, 2019
Certificate of Deposit

6 months under $100,000

Interest Rate

0.35%

Annual Percentage Yield (APY)

0.35%

Certificate of Deposit

6 months $100,000 +

Interest Rate

0.40%

Annual Percentage Yield (APY)

0.40%

Certificate of Deposit

12 months under $100,000

Interest Rate

0.65%

Annual Percentage Yield (APY)

0.65%

Certificate of Deposit

12 months $100,000 +

Interest Rate

0.70%

Annual Percentage Yield (APY)

0.70%

Certificate of Deposit

18 months under $100,000

Interest Rate

0.65%

Annual Percentage Yield (APY)

0.65%

Certificate of Deposit

18 months $100,000 +

Interest Rate

0.70%

Annual Percentage Yield (APY)

0.70%

Certificate of Deposit

24 months under $100,000

Interest Rate

0.90%

Annual Percentage Yield (APY)

0.90%

Certificate of Deposit

24 months $100,000 +

Interest Rate

1.00%

Annual Percentage Yield (APY)

1.00%

Certificate of Deposit

36 months under $100,000

Interest Rate

1.10%

Annual Percentage Yield (APY)

1.10%

Certificate of Deposit

36 months $100,000 +

Interest Rate

1.10%

Annual Percentage Yield (APY)

1.10%

Effective July 1, 2019

* Fees could reduce the earnings. Questions? Call 1-800-543-2811.


Money Market Checking Account Rate

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 July 1, 2019
Account Type

Preferred Money Market

Interest rate*

0.05%

Annual Percentage Yield (APY)*

0.05%

Interest Calculation Method

Daily Balance

Interest Paid

Monthly

Interest Paid on Amount Over

$2,000.00

Effective July 1, 2019

* 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 Interest Rate * Annual Percentage Yield (APY)*
TEXT
6 months under $100,000
TEXT
0.35%
TEXT
0.35%
TEXT
6 months $100,000 +
TEXT
0.40%
TEXT
0.40%
TEXT
12 months under $100,000
TEXT
0.65%
TEXT
0.65%
TEXT
12 months $100,000 +
TEXT
0.70%
TEXT
0.70%
TEXT
18 months under $100,000
TEXT
0.65%
TEXT
0.65%
TEXT
18 months $100,000 +
TEXT
0.70%
TEXT
0.70%
TEXT
24 months under $100,000
TEXT
0.90%
TEXT
0.90%
TEXT
24 months $100,000 +
TEXT
1.00%
TEXT
1.00%
TEXT
36 months under $100,000
TEXT
1.10%
TEXT
1.10%
TEXT
36 months $100,000 +
TEXT
1.10%
TEXT
1.10%
Effective July 1, 2019
Certificate of Deposit

6 months under $100,000

Interest Rate *

0.35%

Annual Percentage Yield (APY)*

0.35%

Certificate of Deposit

6 months $100,000 +

Interest Rate *

0.40%

Annual Percentage Yield (APY)*

0.40%

Certificate of Deposit

12 months under $100,000

Interest Rate *

0.65%

Annual Percentage Yield (APY)*

0.65%

Certificate of Deposit

12 months $100,000 +

Interest Rate *

0.70%

Annual Percentage Yield (APY)*

0.70%

Certificate of Deposit

18 months under $100,000

Interest Rate *

0.65%

Annual Percentage Yield (APY)*

0.65%

Certificate of Deposit

18 months $100,000 +

Interest Rate *

0.70%

Annual Percentage Yield (APY)*

0.70%

Certificate of Deposit

24 months under $100,000

Interest Rate *

0.90%

Annual Percentage Yield (APY)*

0.90%

Certificate of Deposit

24 months $100,000 +

Interest Rate *

1.00%

Annual Percentage Yield (APY)*

1.00%

Certificate of Deposit

36 months under $100,000

Interest Rate *

1.10%

Annual Percentage Yield (APY)*

1.10%

Certificate of Deposit

36 months $100,000 +

Interest Rate *

1.10%

Annual Percentage Yield (APY)*

1.10%

Effective July 1, 2019

* Fees could reduce the earnings. Questions? Call 1-800-543-2811.