- Fast Online Account Opening
Apply in minutes, not days.
- Federally Insured by NCUA
Your deposits are federally insured up to $250,000.
- Checking & Savings Without Monthly Fees
Skip monthly maintenance fees. Keep more of your money.
- Credit Union Membership Made Easy
Hundreds of ways to join.
Credit Union Personal Banking Options
Your money. Your goals. Your way. Explore AACU personal banking with checking, savings, and everyday tools built around your life.
Everyday banking should fit your life. Explore cash back, dividend-earning, and simple checking accounts, each with a free Visa® Debit Card and no minimum balance to open.
Saving for something big or building a little breathing room? Explore Reverse Tier Savings, Certificates, Money Fund, and HSA options to help you make progress toward your goals.
Greenlight gives kids hands-on experience earning, saving, and spending while parents stay in control, including debit cards, money management tools, chores and allowance features, and financial education.
From soccer practice to your daily commute and wherever life takes you next, the right auto loan helps keep you moving. Find financing that fits your budget and your next adventure.
Home is where friends gather, belly laughs happen, and memories are made. It's also one of your biggest investments. Our mortgage experts help you find home loan options that fit your life, your goals, and your budget.
| Account Feature | Cash Rewards Checking | Cash Back Rewards Checking | Basic Checking |
|---|---|---|---|
| Benefit | 1.25% APY on balances up to $15,000 2 | 10.00% Cash Back on debit card purchases up to $250 monthly 1 | None |
| Minimum To Open | None | None | None |
| Monthly Service Fee | None | None | None with daily balance of $500.00 3 |
| Free Visa® Debit Card | | | |
| ATM Fee Refunds 4 | | | |
| Free eStatements | | | |
| Free Online & Mobile Banking | | | |
| Free Online Bill Pay | | | |
| Overdraft Protection | | | |
| 24/7 Access | | | |
| Virtual Wallet | | | |
Tools To Manage Your
Personal Banking - AACU Personal Banking FAQs
AACU offers checking accounts, savings accounts, home loans, auto loans, personal loans, youth accounts, and credit cards under one membership. Each product connects through a single online banking login. New members typically start with a checking account and add products as their needs grow. Compare checking options to find your fit.
Your choice depends on how you use your debit card each month. Frequent debit card users often prefer Cash Back Rewards, while members who keep a higher balance may prefer Cash Rewards' dividend rate. Members who want simplicity choose Basic Checking. Compare all three checking accounts side by side before you apply.
Yes, most personal banking tasks happen entirely online or through the AACU mobile app. Members open accounts, deposit checks, transfer funds, and pay bills without a branch visit. Loan applications and card management also run through the same secure login. Open a checking account online in a few minutes today.