Save Smart

Reach Goals

AACU members can hold multiple savings products at once, such as a Primary Savings Account alongside a Money Fund or Certificate. Each account serves a different goal, from everyday emergency funds to longer-term growth. Reverse Tier Savings Accounts are limited to one per social security.

A standard savings account offers steady access with a modest dividend rate, while a Money Fund rewards larger balances with higher returns and the same withdrawal flexibility. AACU members building a bigger cushion often move funds once their balance grows. Check your eligibility and ask about Money Fund options.

Opening a Primary Savings Account at AACU requires only a small initial deposit, since this account also establishes your membership share. Other savings products, like Certificates, may carry a higher minimum tied to the term you choose. Check opening deposit details before you apply online.

Yes, AACU savings accounts carry federal insurance through the NCUA, matching the protection FDIC insurance provides at banks. Coverage extends to at least $250,000 per depositor, per account type, backed by the full faith of the U.S. government. Your savings stay protected the same way. Check your eligibility and open a savings account with confidence.

AACU calculates and pays dividends on most savings accounts monthly, based on your average daily balance during the statement cycle. Reverse Tier Savings and Certificates follow the same monthly dividend schedule, though rates vary by product and balance tier. Review Primary Savings to see where your membership starts.