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Account Features

Earn 1.25% APY 1  on balances up to $15,000 2  with no minimum balance to earn rewards!

  • No minimum balance requirement and no monthly service fees
  • 24/7 access to online & mobile banking 
  • Funds available for overdraft protection
  • Free bill pay, eStatements, Debit Mastercard®, budgeting tools, and more
  • Earn .15% APY on balances over $15,000
  • Earn a base rate of 0.05% APY when qualifications aren't met
  • Set up direct deposit and get your paycheck up to 2 days sooner with Early Pay

Plus, get access to over 30,000 surcharge-free ATMs.

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You don't have to be military to bank with us. There are hundreds of ways you can become a member!

Check Eligibility



Earn 1.25% APY 1 each month with a few simple requirements 2

1. Make at least 12 debit card purchases per month

2. Have at least 1 direct deposit transaction or automatic payment per month

3. Choose to receive free eStatements

Start Earning

Didn't meet the qualifications? Don’t worry. Each month is a new chance to qualify!



Watch Your Money Grow

Whether you're saving for a new car, a vacation, or your next big adventure, we have options to make saving easy no matter the goal!
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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.

Meet With A Financial Coach

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Deposit Rates

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1 Annual Percentage Yield (APY) effective 05/19/2024. Accurate as of the last dividend declaration date.

2 Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. Balances up to $15,000.00 earn an APY of 1.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change.