Savings Solutions

*Annual Percentage Yields (APYs) current as of 10th March 2026 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. 

AmeriCU High Rate Checking Account Disclosures

**Annual Percentage Yields (APY) are current as of February 1, 2025 and the rate may change after the account is opened. Earn 7.00% APY on balances up to $10,000 and 0.15% to 7.00% APY on balances over $10,000 in your account by meeting the below three requirements:

1. Make 12 or more debit signature swipes per monthly statement cycle;

2. Be enrolled with eStatements;

3. Have a minimum $5,000 loan in good standing (not including credit cards or student loans. The rate is 6.00% APY without a qualifying loan.)

If you don’t meet the above requirements, you will earn 0.05% APY on balances up to $10,000, and 0.05% to 0.15% APY on balances over $10,000.

We pay dividends earned by your account at the end of each monthly billing cycle. This is a tiered account.

***If you are an AmeriCU Checking, Savings or Money Market accountholder that has set up a direct deposit with a payor, you may qualify for direct deposit one business day early. Whether a direct deposit is eligible is at our discretion and we cannot guarantee that you will always receive the one-day early service.

****When requirements are met, we will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.

Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.

AmeriCU Rewards Checking Account Disclosures

2   To earn rewards from AmeriCU’s Rewards Checking account, members must:

Make 12 or more debit signature swipes per monthly statement cycle;

Be enrolled with eStatements.

Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.

3 We will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.

4 You will receive 10,000 Bonus Reward Points applied to your account when you have at least one recurring direct deposit, bill payment or ACH credit per month in the first 90 days of your account being opened.

Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.