Our 92nd Annual Meeting will be held virtually via Zoom, a free remote conferencing service, on Wednesday, May 27, 2026, at 2:00 PM CST. To RSVP, visit the Annual Reports page.
In observance of Memorial Day, America's Credit Union will be closed on May 25th.
However, you can still bank with us anytime, anywhere, using our digital banking platform, available 24/7. Mobile and Online Banking
Trade in the Old, Cruise into the New!
| Term | Minimum to Earn Dividend | Dividend Rate | Annual Percentage Yield (APY) | Alert Me |
|---|---|---|---|---|
| 6 Month | $1,000 and up | 0.100% | 0.10% | Receive a notification when this rate changes |
| 7 Month | $1,000 and up 1 | 3.928% | 4.00% | Receive a notification when this rate changes |
| 1 Year | $1,000 and up | 1.982% | 2.00% | Receive a notification when this rate changes |
| 13 Month | $1,000 and up 1 | 3.928% | 4.00% | Receive a notification when this rate changes |
| 18 Month | $1,000 and up | 0.797% | 0.80% | Receive a notification when this rate changes |
| 2 Year | $1,000 and up | 0.648% | 0.65% | Receive a notification when this rate changes |
| 3 Year | $1,000 and up | 0.747% | 0.75% | Receive a notification when this rate changes |
| 4 Year | $1,000 and up | 0.648% | 0.65% | Receive a notification when this rate changes |
| 5 Year | $1,000 and up 1 | 0.995% | 1.00% | Receive a notification when this rate changes |
| Rates effective as of 11/24/2025 | ||||
| Minimum to Earn Dividend | Dividend Rate 2 | Annual Percentage Yield (APY) 2 | Alert Me | |
|---|---|---|---|---|
| 6 Month IRA Certificate | $500 and up | 0.100% | 0.10% | Receive a notification when this rate changes |
| 7 Month IRA Certificate 1 | $1,000 and up | 3.928% | 4.00% | Receive a notification when this rate changes |
| 12 Month IRA Certificate | $500 and up | 1.982% | 2.00% | Receive a notification when this rate changes |
| 13 Month IRA Certificate 1 | $1,000 and up | 3.928% | 4.00% | Receive a notification when this rate changes |
| 18 Month IRA Certificate | $500 and up | 0.797% | 0.80% | Receive a notification when this rate changes |
| 24 Month IRA Certificate | $500 and up | 0.648% | 0.65% | Receive a notification when this rate changes |
| 3 Year IRA Certificate | $500 and up | 0.747% | 0.75% | Receive a notification when this rate changes |
| 4 Year IRA Certificate | $500 and up | 0.648% | 0.65% | Receive a notification when this rate changes |
| 5 Year IRA Certificate 1 | $500 and up | 0.995% | 1.00% | Receive a notification when this rate changes |
| Rates effective as of 11/24/2025 | ||||
| Minimum to Earn Dividend | Dividend Rate | Annual Percentage Yield (APY) 3 | Alert Me |
|---|---|---|---|
| $25 - $4,999.99 | 0.050% | 0.05% | Receive a notification when this rate changes |
| $5,000 - $9,999.99 | 0.050% | 0.05% | Receive a notification when this rate changes |
| $10,000 - $24,999.99 | 0.050% | 0.05% | Receive a notification when this rate changes |
| $25,000 - $49,999.99 | 0.050% | 0.05% | Receive a notification when this rate changes |
| $50,000 and above | 0.050% | 0.05% | Receive a notification when this rate changes |
| Term | Dividend Rate | Annual Percentage Yield (APY) | Minimum to Earn Dividend | Alert Me | |
|---|---|---|---|---|---|
| Mini-Jumbo Certificate | 1 Year | 1.982% | 2.00% | $50,000 and up | Receive a notification when this rate changes |
| Mini-Jumbo Certificate | 18 Month | 0.797% | 0.80% | $50,000 and up | Receive a notification when this rate changes |
| Mini-Jumbo Certificate | 2 Year | 0.648% | 0.65% | $50,000 and up | Receive a notification when this rate changes |
| Mini-Jumbo Certificate | 3 Year | 0.747% | 0.75% | $50,000 and up | Receive a notification when this rate changes |
| Mini-Jumbo Certificate | 4 Year | 0.648% | 0.65% | $50,000 and up | Receive a notification when this rate changes |
| Mini-Jumbo Certificate | 5 Year | 0.995% | 1.00% | $50,000 and up | Receive a notification when this rate changes |
| Jumbo Certificate | 1 Year | 1.982% | 2.00% | $99,000 and up | Receive a notification when this rate changes |
| Jumbo Certificate | 18 Month | 0.797% | 0.80% | $99,000 and up | Receive a notification when this rate changes |
| Jumbo Certificate | 2 Year | 0.648% | 0.65% | $99,000 and up | Receive a notification when this rate changes |
| Jumbo Certificate | 3 Year | 0.747% | 0.75% | $99,000 and up | Receive a notification when this rate changes |
| Jumbo Certificate | 4 Year | 0.648% | 0.65% | $99,000 and up | Receive a notification when this rate changes |
| Jumbo Certificate | 5 Year | 0.995% | 1.00% | $99,000 and up | Receive a notification when this rate changes |