Schedule An Appointment Routing/Wire Transfer Blog Locations & ATMs Contact Us Search: Submit DEPOSITS LOANS SERVICES ABOUT ACU LOG IN 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! VIEW RATES Share Savings Account Rates View the Savings Account Page or the Kasasa® Saver Account Page for details. ACCOUNT TYPE DIVIDEND RATE* ANNUAL PERCENTAGE YIELD (APY)** DIVIDENDS PAID ON AMOUNTS Regular Savings 0.05% 0.05% $500.00 and above Kasasa® Saver** 0.498% 0.50% $0-$50,000 Kasasa® Saver** 0.25% 0.25% Over $50,000 Kasasa® Saver** 0.01% 0.01% 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. **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. IRA Savings Account Rates View the IRA Page for details. ACCOUNT TYPE MINIMUM TO EARN DIVIDEND DIVIDEND RATE* ANNUAL PERCENTAGE YIELD (APY)* IRA Share Savings Account $25 - $4.999.99 0.050% 0.05% IRA Share Savings Account $5,000 - $9,999.99 0.050% 0.05% IRA Share Savings Account $10,000 to $24,999.99 0.050% 0.05% IRA Share Savings Account $25,000 - $49,999.99 0.050% 0.05% IRA Share Savings Account $50,000 and above 0.050% 0.05% Effective May 1, 2021 *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. Club Account Rates View the Special Savings and Club Account Page for details. ACCOUNT TYPE DIVIDEND RATE* ANNUAL PERCENTAGE YIELD DIVIDENDS PAID ON AMOUNTS Christmas Club 0.10% 0.10% $100.00 and above Vacation Club 0.10% 0.10% $100.00 and above 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. Youth Savings Account Rates View the Youth Savings Account Page for details. ACCOUNT TYPE DIVIDEND RATE* ANNUAL PERCENTAGE YIELD (APY)* DIVIDENDS PAID ON AMOUNTS Kids Club Savings 0.10% 0.10% $25.00 and above Smart Start Savings 0.10% 0.10% $25.00 and above 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. Certificates of Deposit Rates View the Certificates of Deposit Page for details. ACCOUNT TYPE TERM DIVIDEND RATE ANNUAL PERCENTAGE YIELD (APY) Term Share Certificate 6 Months 0.100% 0.10% Term Share Certificate 1 Year 0.200% 0.20% Term Share Certificate 18 Month 0.200% 0.20% Term Share Certificate 2 Year 0.300% 0.30% Term Share Certificate 3 Year 0.300% 0.30% Term Share Certificate 4 Year 0.300% 0.30% Term Share Certificate 5 Year 0.648% 0.65% Mini-Jumbo Certificate 1 Year 0.200% 0.20% Mini-Jumbo Certificate 18 Month 0.200% 0.20% Mini-Jumbo Certificate 3 Year 0.300% 0.30% Mini-Jumbo Certificate 4 Year 0.300% 0.30% Mini-Jumbo Certificate 5 Year 0.648% 0.65% Jumbo Certificate 1 Year 0.200% 0.20% Jumbo Certificate 2 Year 0.300% 0.30% Jumbo Certificate 18 Month 0.200% 0.20% Jumbo Certificate 3 Year 0.300% 0.30% Jumbo Certificate 4 Year 0.300% 0.30% Jumbo Certificate 5 Year 0.648% 0.65% Mini-Jumbo Certificate 2 Year 0.300% 0.30% Effective May 1, 2021 *Annual Percentage Yield (APY) rates are subject to change without notice. Fees could reduce the earnings. Minimum deposit required to open and earn dividends on Term Share Certificates is $1,000. Minimum deposit required to open and earn dividends on Mini-Jumbo Certificates is $50,000. Maximum deposit is $98,999.99. Minimum deposit required to open and earn dividends on Jumbo Certificates is $99,000. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure. Money Market Checking Account Rate View the Money Market Checking Account Page for details. ACCOUNT TYPE MINIMUM TO EARN DIVIDEND DIVIDEND RATE ANNUAL PERCENTAGE YIELD (APY)* Money Market $1,000 - $9,999.99 .050% 0.05% Money Market $10,000 - $24,999.99 .100% 0.10% Money Market $25,000 - $299,999.99 .100% 0.10% Money Market $300,000 and above .150% 0.15% Effective May 1, 2021 * 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 DIVIDEND RATE* ANNUAL PERCENTAGE YIELD (APY)* 12 Month IRA Certificate 0.200% 0.20% 18 Month IRA Certificate 0.200% 0.20% 24 Month IRA Certificate 0.300% 0.30% 3 Year IRA Certificate 0.300% 0.30% 4 Year IRA Certificate 0.300% 0.30% 5 Year IRA Certificate 0.648% 0.65% Effective May 1, 2021 *Annual Percentage Yield (APY). Minimum deposit of $500 is required to open an IRA Term Share Certificate. An average daily balance of $500 is required to earn dividends. All rates are subject to change without notice. Other terms and rates available including ROTH IRA Term Share Certificates and Coverdell Certificates. Fees could reduce the earnings. Questions? Call 1-800-543-2811. Review ACU's Truth-In-Savings Disclosure. Checking Account Rates View the Kasasa® Cash, Kasasa® Cash Back or Flexible Checking Account Page for details. ACCOUNT TYPE DIVIDEND RATE* ANNUAL PERCENTAGE YIELD (APY)** DIVIDENDS PAID ON AMOUNTS Kasasa® Cash** 1.73% 1.75% $0-$25,000 Kasasa® Cash** 0.25% 0.25% Over $25,000 Kasasa® Cash** 0.01% 0.01% All balances if qualifications not met. Kasasa® Cash Back None None N/A Flexible Checking None None N/A Effective May 1, 2021 *Rate/Yield on the above accounts is subject to change daily. Minimum of $25 to open. Questions? Call 1-800-543-2811. **Annual Percentage Yields (APY) are based upon daily balance. 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. ALL DEPOSITS ALL LOANS ALL SERVICES ABOUT ACU Routing #311982435 Disclosures ACU Blog Contact Us Locations & ATMs Dallas, TX Garland, TX Lancaster, TX Mesquite, TX Springfield, MO ACU NMLS ID #562279 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency Privacy Policy Site Map America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately. The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns. © America’s Credit Union 2021 All Rights Reserved.