Savings Accounts
Savings accounts are vital to financial wellness. We meet you where you are and help you get where you want to go.
Goals matter and you are busy. We make it easy. Explore options that fit your lifestyle and earn you more.
Save Your Way at AHCU!
We offer a variety of savings accounts to help you and your family get the security they desire. Check out our accounts and feel free to connect with us to find your perfect savings strategy.
Savings Rates
| Account | Rate | APY* |
|---|---|---|
| Share Savings | 0.05% | 0.05% |
| Club Account | 0.05% | 0.05% |
| Youth Accounts | 0.05% | 0.05% |
| Teen Accounts | 0.05% | 0.05% |
The Minimum Balance required to open a Savings Account (excluding Club Accounts that do not have a minimum balance) is $10.
*APY = Annual Percentage Yield.
If you are a current member, you can simply log into online banking, click (+) add account and then choose the type of savings account you want.
Discover Our Savings Accounts
We have many options, select the accounts that are right for you and your family.
Share Savings
You only need a $10 minimum deposit to open up an account and get on your way to savings. Once you open up this savings account, you also become a member of our credit union because this is your “share” of part ownership!
From there, the rest is easy. You can even set up automatic deposit to put your funds aside to grow for the big things in life.
All AHCU Share Savings accounts earn competitive dividends, paid quarterly.
Holiday Club
- No minimum opening deposit, no minimum balance requirements
- Make deposits at any time, in any amount with which you feel comfortable
- Competitive dividends on entire balance, with dividends paid quarterly
- Funds automatically deposited to an AHCU account by end of day on October 31st each calendar year
- Automatic transfers can be set up to coincide with payroll cycles
*If funds are accessed prior to November disbursement date, account will be closed.
Youth Savings
Establish the importance of saving money from an early age. Open a Youth Savings Account for a child in your life today.
- Relatives can make deposits for birthdays, holidays, and other important life events
- Available to young savers up to 13 years old
- Competitive dividends on entire balance
- No monthly service fee
- No monthly minimum balance requirement
- $10 minimum deposit to open
Teen Savings
Teens love our savings accounts because it opens the door to financial independence and freedom. It’s a milestone your teen will always remember.
- Relatives can make deposits for birthdays, holidays, and other important life events
- Available to teens age 13 to 17
- Competitive dividends on entire balance
- No monthly service fee
- No monthly minimum balance requirement
- $10 minimum deposit to open
- May open optional checking account*
*Requires a parent as a co-signer.
All AHCU Savings Accounts Include...
All savings accounts offer the following benefits:
- No monthly service fee
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free 24/7 telephone banking
- Funds federally insured by the NCUA up to $250,000
Discover the Benefits of Money Market Accounts
A Money Market Account combines the best features of a savings account and a CD, offering you a smart way to save and grow your money. The more you save, the more you earn!
Money Market / IRA Money Market Rates
| Minimum | Rate | APY* |
|---|---|---|
| $2,500 | 2.47% | 2.50% |
| $50,000 | 2.72% | 2.75% |
| $100,000 | 2.96% | 3.00% |
| $200,000 | 3.20% | 3.25% |
- Dividends are compounded monthly for all money market accounts.
- Money Market accounts below $2,500 are assessed a $10 monthly fee and interest is not earned.
- All Money Market accounts with balances below $2,500 will earn 0.05% APY*.
*APY = Annual Percentage Yield.
If you are a current member, you can simply log into online banking, click (+) add account and then choose the type of savings account you want.
Why Choose a Money Market Account?
Better Interest Rates
Earn more on your savings with higher interest rates compared to regular savings accounts.
Easy Access to Your Money
Enjoy the flexibility to access your funds whenever you need them, just like a regular savings account.
Safe and Secure
Rest easy knowing your money is safe. Money Market Accounts are insured by the National Credit Union Administration (NCUA) up to $250,000. This means your money is protected against loss.
Start growing your savings with a Money Market Account today!
More Great Benefits to Enjoy
The more you save, the more you earn with competitive, tiered interest rates.
Low Minimum Deposit Start your Money Market Account with just $2,500.
Premium Dividends
Earn premium monthly dividends when you maintain a minimum balance of $2,500.
Flexible Deposit Options
Make deposits anytime or set up direct deposit for convenient saving.
Free Monthly Withdrawals
Enjoy 6 free withdrawals each month via internet or telephone. (Additional withdrawals may incur a fee; see our Service Charge Schedule for details.)
Boost Your Savings with Certificates of Deposit
A Certificate of Deposit (CD) is a safe and reliable way to grow your money with guaranteed returns.
CD / IRA CD Rates
| Term | Rate | APY* |
|---|---|---|
| 6 Month | 2.47% | 2.50% |
| 12 Month | 2.72% | 2.75% |
| 18 Month | 2.96% | 3.00% |
| 24 Month | 3.20% | 3.25% |
| 36 Month | 3.20% | 3.25% |
| 48 Month | 3.20% | 3.25% |
| 60 Month | 3.20% | 3.25% |
| 12-Month Student $250 Minimum Deposit |
2.96% | 3.00% |
The Minimum Balance required to open a regular Certificate is $1,000.
*APY = Annual Percentage Yield.
- A 90-day penalty of dividends applies to the 6 and 12 month certificate for early withdrawal. A 180-day penalty of dividends applies to the 18, 22, 24, 36, 48 and 60 month certificates for early withdrawal.
- Terms listed are based on the required minimum deposit with all dividends paid quarterly to the certificate. The APY may vary if dividends are paid to any other account.
If you are a current member, you can simply log into online banking, click (+) add account and then choose the type of savings account you want.
Why Choose a CD?
Higher Returns on Your Investment
Start with as little as $1,000 and earn more than you would with a regular savings account
Fixed Interest Rates:
Enjoy a fixed interest rate for the entire term of your CD. Your earnings are predictable and stable, making it easy to plan for the future.
Safe and Secure
Feel confident knowing your money is safe. CDs are low-risk investments insured by the National Credit Union Administration (NCUA) up to $250,000. This means your investment is protected against loss.
Other CD Benefits Include...
Earn more with competitive, fixed rates.
Guaranteed Returns
A CD can serve as a hedge against other investments, providing stable returns,
Flexible Terms
Choose from a wide range of terms, from 6 months to 5 years.
No Fees
No setup or maintenance fees.
Convenient Dividends
Earned dividends can be deposited into the AHCU account of your choice.
Early Withdrawal Penalty
Note that early withdrawals are subject to a penalty.*
Low Minimum Deposit
Open a CD with just $1,000.**
Start growing your savings with a CD today! Visit our website or stop by our branch to learn more and open an account.
* A 90-day penalty of interest applies to the 6 and 12-month Certificates for early withdrawal. Terms over 1-year subject to a 180-day early withdrawal penalty.
** Some CD specials require a higher minimum deposit. See CD rates for more information.
