Business Savings at AACU
AACU offers a business savings account with a $5 minimum balance, plus a tiered Business Money Fund for larger reserves that earns up to 2.00% APY*.
Business Savings
Big or small, no matter the size of your business, we'll help you build reserves to keep your business growing and thriving.
- $5.00 minimum balance required
- Free online & mobile banking
- Free account-to-account transfers
- Use with a business checking account for overdraft protection
- Free eStatements
To open an account, apply online or email our Business Services Team!
Available for business registered with the Colorado Secretary of State and conducting business in Colorado.
Business Money Fund
Earn a higher rate, while enjoying the flexibility to make deposits and withdrawals at any time.
- No minimum balance required to earn dividends
- Tiered Dividends
- Competitive rates paid every monthly cycle
- Funds available for overdraft protection
- Free eStatements
- Free account-to-account transfers
To open an account, apply online or email our Business Services Team!
Available for business registered with the Colorado Secretary of State and conducting business in Colorado.
Open Your Business Account
Required documents needed for a new AACU Business Account:
- Business registration with the Colorado Secretary of State and actively operating in Colorado
- Employer Identification Number (EIN) (SS-4 or IRA documentation confirming your Tax ID)
- Operating Agreement or Bylaws (if applicable)
- Valid government-issued ID (e.g., driver's license)
- Social Security Number (of all authorized signers)
- Contact information (phone number and email address)
- Additional internal documentation
| Balance | Dividend Rate | APY* |
|---|---|---|
| $0.00-$49,999.99 | .995% | 1.00% |
| $50,000.00-$99,999.99 | 1.243% | 1.25% |
| $100,000.00-$249,999.99 | 1.490% | 1.50% |
| $250,000.00-$499,999.99 | 1.834% | 1.85% |
| $500,000.00 or greater | 2.227% | 2.25% |
Business Savings - AACU Business Savings FAQs
AACU business savings account opens with a $5 minimum balance, making it accessible for businesses of any size. The account includes free online banking and account-to-account transfers. Compare Business Checking to pair with your savings account.
Yes AACU business savings account earns dividends, and businesses with larger reserves can move funds into the tiered Business Money Fund for a higher rate. Both options stay fully liquid. Check your eligibility before opening either account.
AACU business savings and Business Money Fund accounts both allow deposits and withdrawals at any time, without the transaction limits some savings products impose. This keeps reserves accessible when your business needs them. Review Business Services for additional cash management tools.
- Business Checking Accounts
Quick and easy access to your money is essential to running your business, explore your next checking account.
- Business Loans
Whether you need new equipment, an upgraded office or expanding your operations - we are here for you!
- Business Services
Easy and secure business services such as payroll, merchant processing, and ACH origination.
- Locations & ATMs
Find an AACU branch or ATM, or locate thousands of surcharge-free ATMs or shared branch locations in the U.S. and Canada.
*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. Rates subject to change. Fees may reduce earnings. Restrictions and requirements apply.