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Depository Accounts Rates

Checking Rates | Savings Rates | Certificates of Deposit (CD) Rates

Savings Rates

Share Savings

APY Dividend Rate
Up to $10,000.00 .25% .25%
$10,000.00 and Above .35% .35%

"E" Savings (Youth)

APY Dividend Rate
Up to $10,000.00 .35% .35%
$10,000.00 and Above .45% .45%

Share Draft (Checking)

APY Dividend Rate
All .15% .15%

Christmas Club

APY Dividend Rate
All .40% .40%

All rates subject to change. APY = Annual Percentage Yield. Dividend rates are declared at the end of each quarter. Dividends are calculated by the daily balance method and paid quarterly. The APY is based on the minimum daily balance being maintained each day. Checking account dividends are declared and effective as of the first of the month and paid monthly. They are calculated on the average daily balance method. Christmas Club dividends are declared and paid on October 1 of each year. All accounts require a $5 minimum to open except Share Draft (checking) requires $25.


Christmas Club

Christmas Club accounts are an easy way to save for those holiday and vacation expenses that you know will come up. Funds can easily be deposited into your desired account through payroll deduction or direct deposit.

Christmas Club dividends are declared and paid on October 1st of each year.

Open a Christmas Club Account


Money Market

APY Dividend Rate
Up to $10,000 .30% .30%
$10,000 - $24,999.99 .40% .40%
$25,000 - $74,999.99 .55% .55%
$75,000 - $249,999.99 .65% .65%
$250,000 and Above .75% .75%

All rates subject to change. APY = Annual Percentage Yield. $5 monthly service fee if balance is less than $5,000.


Money Market

A money market account is a savings account with a tiered rate schedule depending on your balance and pays dividends on a monthly basis instead of quarterly basis. You can also write checks on this account but checks are ordered at your cost. Money market accounts may offer higher interest rates than regular savings or checking accounts. ACU money market accounts have a $5,000 minimum balance requirement. ACU Money market accounts are insured by National Credit Union Administration.

Open a Money Market Account


Certificates of Deposit (CD) Rates

CDs - IRA & Regular

APY Dividend Rate
3 Month 0.25% 0.25%
6 Month 0.30% 0.30%
9 Month 0.40% 0.40%
1 Year 0.55% 0.55%
2 Years 0.65% 0.65%
3 Years 0.85% 0.85%
4 Years 0.95% 0.95%
5 Years 1.05% 1.05%

Special CD Rates

APY Dividend Rate
41 Month 0.90% 0.90%

IRA Shares

APY Dividend Rate
Up to $500.00 0.00% 0.00%
$500 - $2,499.99 0.25% 0.25%
$2,500 and Above 0.50% 0.50%

All rates subject to change. APY = Annual Percentage Yield. Young Savers Certificates for members age 21 or younger, the minimum deposit is $300 instead of $1,000 on ACU's regular certificates, all additional terms and conditions are the same. Special CDs require $5,000 minimum deposit. 3-9 month products paid monthly, others paid quarterly. Dividend rates on IRA shares are declared at the end of each quarter. Withdrawal from IRA Savings may result in IRS taxes and/or penalties.