- Earn 6.50% APY on Your First $2,0001
- No Minimum Balance Required
- No Monthly Service Fees
- Easy Access to Your Savings
Small Balances Deserve a Strong Start
You shouldn't need thousands saved to earn a competitive rate. With Reverse Tier Savings, your first $2,000 earns the highest APY, making it easier to build an emergency fund, save for something special, or simply put more money aside.
Reverse Tier Calculator
Higher earnings start right away. See what your balance can do!
| Balance | APY* |
|---|---|
| $0.00 - $2,000.00 | 6.50% |
| $2,000.01 - $5,000.00 | 1.25% |
| $5,000.01 - $10,000.00 | 0.25% |
| $10,000.01 - $50,000.00 | 0.15% |
| $50,000.01+ | 0.05% |
Reverse Tier Savings - AACU Reverse Tier Savings FAQs
Reverse Tier Savings flips the usual rate structure, so your first $2,000 earns the highest rate at 6.50% APY1 instead of requiring a large balance first. A regular savings account pays one flat rate regardless of balance size. AACU built this account for members just getting started. Check your eligibility and open your account today.
Your first $2,000 in a Reverse Tier Savings account earns a top rate of 6.50% APY1 at AACU. Balances between $2,000.01 and $5,000 earn 1.25% APY1, with lower tiers applying as your balance grows further. The blended rate combines all applicable tiers on your statement. Compare all AACU savings accounts to see how this rate stacks up.
Yes, many members use Reverse Tier Savings specifically for a starter emergency fund, since the account rewards the first $2,000 saved most heavily. No minimum balance or monthly fee stands in the way of building that cushion. Check your eligibility and start your emergency fund today.
Once your balance passes $2,000, AACU applies a stepped-down rate: 1.25% APY1 up to $5,000, 0.25% APY1 up to $10,000, and lower tiers beyond that. Each tier's rate applies only to the portion of your balance within that range. Compare Basic Savings instead if you prefer a flat rate.
1 Annual Percentage Yield (APY) effective 10/12/2026. Accurate as of the last dividend declaration date.
Limit of one Reverse Tier Savings Account per member. Interest is paid at tier rates on the balances within each tier. Total interest paid is the sum of interest earned from each balance in each tier. APY paid is a blended APY of applicable tiers.
Rates subject to change. Fees may reduce earnings. Restrictions and requirements apply.