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Savings Account

Online Savings Account

Open Share Savings and Join

Savings is crucial to financial well-being. That’s why we’ve created our Savings Account to be simple, straightforward, and easy to use so you can start building wealth and investing in your future.

Sometimes referred to as a Share Account, or Share Savings Account, your Savings Account represents your share of ownership in our credit union. Every member of America’s Credit Union is a part owner in our financial cooperative. Learn more about ownership on our Membership page.

The ACU regular Savings Account can be accessed online, in any of our branch locations, or at an ATM if you have an ACU Checking Account with a debit card.

Savings Account Features

  • $25 minimum deposit to open.
  • Establishes your share of ownership in the credit union.
  • Earn dividends on an average daily balance of $500 or more.
  • Dividends are paid monthly.
  • Can be used as overdraft protection for your ACU checking account.
  • Three free withdrawals per month.
  • Use optional payroll deduction to make automatic deposits and grow your money quickly. 
  • Enjoy free digital banking and bill pay, mobile deposit and E-statements.  
Couple looking a computer a paperwork.

Savings Account Rates

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. Review ACU's Truth-In-Savings Disclosure.

Savings Account Resources

Budget ebook cover and spineBudgeting Your Savings

It’s essential that you have good budgeting habits to increase your savings. Whether you’re budgeting and saving for a one-time event like a wedding, saving for a major life change like having a baby, or getting better at managing daily spending and saving in general, this eBook will help!

Full of budget templates and tips about creating a budget and tricks for sticking to it, this guide is essential for your future saving goals. With some organization and a good plan, you’ll be adding deposits to your Savings Account regularly.

Claim Your Copy Here:


Person using laptop with numbers on the screen.

The Easiest Way to Add to Your Savings Account

If you’re not familiar with the 52 Week Savings Challenge, it’s a relatively easy way to add to your Savings Account over the course of a year.

On the first week put $1 in your Savings Account and leave it there for the whole year. On the second week put $2 in your Savings Account. Continue this pattern so on the 52nd week you’re depositing $52 into your Savings Account. At the end of the year, you will have saved $1,378 plus interest! For other variations of this savings plan check out our blog post Three Ways to Make the 52 Week Savings Challenge Work for You.

 

Open an ACU Savings Account Today!

 

Open Share Savings and Join