Saver Account
Earn 0.75% APY¹ on balances up to $50,000² with a Saver Account when you meet the monthly qualifications on your linked rewards checking account.
Account Features
Earn 0.75% APY 1 on balances up to $50,000 2 when you meet the monthly qualifications on your linked Rewards Checking account. Just link a Saver account to your Rewards Checking account and watch your savings grow!
- Must be linked to Cash Rewards or Cash Back Rewards checking account
- No minimum deposit to open
- No minimum balance requirement or monthly service fees
- 24/7 access to online & mobile banking
Meet these requirements each month on your linked Cash Rewards or Cash Back Rewards Checking account to earn the Saver Account's higher rate. If you miss a month, don't worry. You can qualify again the next month.
Saver Account - AACU Saver Account FAQs
Twelve debit card purchases posted and cleared in your linked checking account each monthly cycle keep your Saver account earning 0.75% APY1 at AACU. Missing that count for a month simply drops your rate until the next cycle. Open a Cash Back Rewards Checking account to start building toward that count.
Saver balances above $50,000 earn 0.15% APY1 instead of the 0.75% top-tier rate at AACU. Balances up to $50,0002 keep earning the higher rate as long as you meet monthly checking qualifications. Compare this to Reverse Tier Savings if you're building a smaller balance instead.
A Saver account at AACU requires an active Cash Rewards or Cash Back Rewards Checking account, since its rate depends entirely on that account's monthly activity. Check your eligibility and pair the two accounts together.
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1 Annual Percentage Yield (APY) effective 10/12/2026. Accurate as of the last dividend declaration date.
2 Qualifications: In your Cash Rewards or Cash Back Rewards Checking account, (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 in estatements during the monthly periodic statement cycle. Account transactions and activities in your Cash Rewards or Cash Back Rewards Checking account may take one or more days to post and clear to your Cash Rewards or Cash Back Rewards Checking account and all must do so during the monthly periodic statement cycle in order to qualify for the Saver account rewards. When qualifications are met in your Cash Rewards or Cash Back Rewards Checking account, balances in your Saver account up to $50,000.00 earn 0.75% APY and balances over $50,000.00 earn 0.15% APY resulting in a range from 0.27% to 0.75% APY depending on the account’s balance. If qualifications are not met, 0.05% APY is received on the entire balance. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Terms and conditions subject to change. Membership requirements apply.