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Current Rates
Savings & Checking Rates
Please Note: Rates below are current AS OF November 16, 2009 and are subject to change without notice.
| Checking Accounts | Average Daily Balance | Annual Percentage Yield | Dividend Rate |
| Freedom Checking | |||
| AmeriCU's basic checking product, with no monthly fees, no minimum balance requirements and no per check charges. | N/A | N/A | |
| Performance Checking | |||
| For higher balance members, this checking option pays dividends compounded and paid monthly, when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $4.00 monthly minimum balance fee. | 0.75% | 0.75% | |
| Privileged Checking | |||
| AmeriCU's special checking service, for members age 50 and better. There are no minimum balance fees, no per check charges, and members are eligible for discounts on other services. Plus, dividends are earned when you maintain an average daily balance of just $500 or more. | 0.75% | 0.75% | |
| iQ Checking | |||
| (For members 18-25 years of age) This checking account is designed for our student members getting started in the world of finance. There is no minimum balance required to open this account. Once member turns 26 years of age, the iQ Checking will automatically change to a Freedom Checking. | N/A | N/A | |
| Prestigious Checking | |||
| This is a tiered rate checking account. Dividends will be calculated based on the average daily balance. If the average daily balance falls below $5,000 during the dividend period, you will not earn dividends for the period and your account will be assessed a minimum balance fee. Direct deposit is required. | $5,000 - $9,999.99 | 0.90% | 0.90% | $10,000 - $24,999.99 | 1.00% | 1.00% | $25,000 and up | 1.25% | 1.24% |
| HSA Checking | |||
| NEW! AmeriCU is pleased to offer HSA Checking accounts to qualified individuals who are covered by a High Deductible Health Plan. HSAs are Health Savings Accounts which allow individuals to use pre-taxed dollars to be withdrawn tax-free to pay for qualified medical expenses at their own discretion. AmeriCU’s HSA Checking offer single and family options. Eligible account balances earn dividends, which are compounded and paid monthly. | $25 to $2,499.99 | 1.75% | 1.74% | $2,500.00 to $4,999.99 | 2.25% | 2.23% | $5,000.00 to $9,999.99 | 2.75% | 2.72% | $10,000.00 to $49,999.99 | 3.25% | 3.20% | $50,000.00 to $99,999.99 | 3.75% | 3.69% | $100,000.00 + | 4.00% | 3.93% |
| Money Market Savings | Average Daily Balance | Annual Percentage Yield | Dividend Rate |
| For higher balance members, this variable rate savings option pays dividends compounded and paid monthly, when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $4.00 monthly min. balance fee. Withdrawals limited to 6 per month. | $2,500 - $9,999.99 | 0.95% | 0.95% | $10,000 - $24,999.99 | 1.10% | 1.09% | $25,000 - $49,999.99 | 1.25% | 1.24% | $50,000 - $99,999.99 | 1.50% | 1.49% | $100,000 and up | 1.60% | 1.59% |
| Savings | Average Daily Balance | Annual Percentage Yield | Dividend Rate |
| Share Savings | |||
| Minimum balace to open account $5.00 Minimum balance to earn dividend $50.00 | $50 - $999.99 | 0.75% | 0.75% | $1,000 - $4,999.99 | 0.75% | 0.75% | $5,000 and up | 0.75% | 0.75% |
| Stars & Stripes Club | |||
| AmeriCU's kids-only savings account, specially designed for members under age 12. | $0.01 - $999.99 | 0.75% | 0.75% | $1,000 - $4,999.99 | 0.75% | 0.75% | $5,000 and up | 0.75% | 0.75% |
| Holiday & Vacation Clubs | |||
| Structured Savings account for special events. Min. balance to open account $5.00 | $50 - $999.99 | 1.00% | 1.00% | $1,000 - $4,999.99 | 1.00% | 1.00% | $5,000 and up | 1.00% | 1.00% |
| Rising Stars Club | |||
| AmeriCU's teen savings account, specially designed for members age 13-17. | $0.01 and up | 0.75% | 0.75% |
| Secured Visa Savings Share | |||
| Minimum balace to open account $5.00 Minimum balance to earn dividend $50.00 | 0.75% | 0.75% | |
| HSA Savings | |||
| NEW! AmeriCU is pleased to offer HSA Savings accounts to individuals who are covered by a High Deductible Health Plan. HSAs are Health Savings Accounts which allow the use of pre-taxed dollars to be withdrawn tax-free to pay for qualified medical expenses at an individual’s own discretion. AmeriCU’s HSA Savings offer single and family options. Eligible account balances earn dividends, which are compounded and paid monthly. | $25 to $2,499.99 | 1.75% | 1.74% | $2,500.00 to $4,999.99 | 2.25% | 2.23% | $5,000.00 to $9,999.99 | 2.75% | 2.72% | $10,000.00 to $49,999.99 | 3.25% | 3.20% | $50,000.00 to $99,999.99 | 3.75% | 3.69% | $100,000.00 + | 4.00% | 3.93% |
| IRA Savings Accounts |
Average Daily Balance |
Annual Percentage Yield |
Dividend Rate |
Traditional, Tax-Free Roth & Coverdell ESAs
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| Note-These are variable rate savings accounts. Rates are subject to change without notice. | $50 - $999.99 | 1.40% | 1.39% | $1,000-$4,999.99 | 1.40% | 1.39% | $5,000 and up | 1.60% | 1.59% |
Note: Savings, Money Market and Checking accounts are variable rate accounts. Rates are subject to change without notice. Applicable fees could reduce earnings on the account. The rate may change after the account is opened.
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This credit union is federally insured by the National Credit Union Administration. |