Checking & Savings & Money Market

Table data for Checking Account Rates
11-12-2025
	Dividend Rate	Annual Percentage Yield (APY) ¹	Dividend Paid on Amounts	Alert Me
Kasasa® Cash (30+ transactions per month)	4.65% ²	4.75%	$0 - $25,000	Receive a notification when this rate changes

Kasasa® Cash (15 - 29 transactions per month)	2.472% ²	2.50%	$0 - $25,000	Receive a notification when this rate changes

Kasasa® Cash	0.25% ²	0.25%	Over $25,000	Receive a notification when this rate changes

Kasasa® Cash	0.01% ²	0.01%	All balances if qualifications not met.	Receive a notification when this rate changes

Kasasa® Cash Back ³	None	None	N/A	Receive a notification when this rate changes

Flexible Checking	None	None	N/A	Receive a notification when this rate changes

Our checking rates are better! America's CU 4.75% APY ⁴ Regional Average 0.23% ⁵ deposit 4.75% APY ⁴ 0.23% Close

Table data for Share Savings Account Rates
11-12-2025
	Dividend Rate	Annual Percentage Yield (APY) ¹	Alert Me
Regular Savings Rate from $500 and up	0.05%	0.05%	Receive a notification when this rate changes

Kasasa® Saver Rate up to $75,000 if qualifications for Cash or Cash Bank Have been full-filled ⁶	1.736%	1.75%	Receive a notification when this rate changes

Kasasa® Saver Rate above $75,000 cap if qualifications full-filled ⁶	0.25%	0.25%	Receive a notification when this rate changes

Kasasa® Saver Rate on all balances if qualifications not met in statement cycle ⁶	0.01%	0.01%	Receive a notification when this rate changes

Savings Our savings rates are higher! America's CU 1.75% APY ⁴ Regional Average 0.23% ⁵ deposit 1.75% APY ⁴ 0.23% Close

Table data for Money Market Checking Account Rate
11-12-2025
Minimum to Earn Dividend	Dividend Rate	Annual Percentage Yield (APY) ⁷	Alert Me
$1,000 - $9,999.99	0.050%	0.05%	Receive a notification when this rate changes

$10,000 - $24,999.99	0.100%	0.10%	Receive a notification when this rate changes

$25,000 - $299,999.99	0.100%	0.10%	Receive a notification when this rate changes

$300,000 and above	0.150%	0.15%	Receive a notification when this rate changes

Table data for Youth Savings Account Rates
11-12-2025
	Dividend Rate	Annual Percentage Yield (APY) ⁸	Dividend Paid on Amounts	Alert Me
Kids Club Savings	0.10%	0.10%	$25.00 and above	Receive a notification when this rate changes

Smart Start Savings	0.10%	0.10%	$25.00 and above	Receive a notification when this rate changes

Table data for Club Account Rates
11-12-2025
	Dividend Rate	Annual Percentage Yield (APY) ⁸	Dividend Paid on Amounts	Alert Me
Christmas Club	0.10%	0.10%	$100.00 and above	Receive a notification when this rate changes

Vacation Club	0.10%	0.10%	$100.00 and above	Receive a notification when this rate changes

Disclosures

¹ APY=Annual Percentage Rate. Rate/Yield on the above accounts is subject to change daily. Minimum of $25 to open. Questions? Call 1-800-543-2811.

² APY = Annual Percentage Yield. APYs accurate as of 11/01/2022.

America’s Credit Union (ACU) Kasasa Cash account qualifications to obtain rewards are; enrollment in eStatements, log in to your online banking or mobile banking one (1) time per month, use your debit card that is associated with your ACU Kasasa Cash account a minimum of thirty (30) individual times with a minimum $5 purchase or more per transaction to earn a bonus reward or fifteen (15) individual times with a minimum $5 purchase or more per transaction for a premium reward. Account transactions and activities may take one (1) or more days to post and settle to the account and all must do so during the monthly qualification cycle in order to qualify for the account's rewards. "Monthly qualification cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Limit (2) two Kasasa checking accounts per Social Security Number

 Reward Information: (1) Bonus Rewards - Receive APY of 4.75% APY on balances up to $25,000.00 (2) Premium Rewards – Receive APY of 2.50% APY on balances up to $25,000.00 (3) 0.70% to 4.75% APY on balances over $25,000.00 depending on the account’s balance (4) 0.01% APY on the average daily balance if qualifications are not met (5) Receive reimbursements of up to $25 monthly of nationwide ATM fees incurred during the monthly qualification cycle in which you qualified. (maximum $4.99 per single transaction).

 When Kasasa Cash qualifications are not met, ATM fees are not refunded.

 Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 11/01/2022.

 A $25.00 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Accounts closed during a monthly qualification cycle will not receive rewards.

 Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Refer to our Fee Schedule to see what fees could apply to your account.

 Contact one of ACU’s service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

 Federally insured by NCUA

 Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

³ America’s Credit Union (ACU) Kasasa Cash Back account qualifications to obtain rewards are; enrollment in eStatements, log in to your online banking or mobile banking one (1) time per statement cycle, use your debit card that is associated with your ACU Kasasa Cash Back account a minimum of fifteen (15) individual times with a minimum $5 purchase or more per transaction. Account transactions and activities may take one (1) or more days to post and settle to the account and all must do so during the monthly qualification cycle in order to qualify for the account's rewards. "Monthly qualification cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Limit (2) two Kasasa checking accounts per Social Security Number

Reward Information:
(1) Receive 3.00% cash back on purchases up to a total of $300.00 when you use your debit card that is associated with your ACU Kasasa Cash Back account. A maximum of $9.00 cash back may be earned per monthly qualification cycle.
(2) Receive reimbursements of up to $25 monthly of nationwide ATM fees incurred during the monthly qualification cycle in which you qualified. (maximum $4.99 per single transaction).

When Kasasa Cash Back qualifications are not met, cash back payments on purchases are not paid and ATM fees are not refunded.

Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.  

A $25.00 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Accounts closed during a monthly qualification cycle will not receive rewards.  

Other Fees apply. Refer to our Fee Schedule to see what fees could apply to your account.

 Contact one of America's Credit Union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

 Federally insured by NCUA.

 Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

⁴ APY = Annual Percentage Yield

⁵ Regional average rates are provided by Meridian Economics LLC and Datatrac. The last source date is November 3, 2025.

⁶ 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.

⁷ 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.

⁸ APY=Annual Percentage Rate. Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811.