Deposit Rates

 

Rates current as of October 1, 2020

 

Standard Share Certificates
TermDividend RateStandard *A.P.Y.Jumbo Div RateJumbo *A.P.Y.Min Deposit to Open
6 Month0.550%0.55%0.650%0.65%$500 for Standard CD
$35,000 for Jumbo CD
9 Month0.550%0.55%0.650%0.65%
12 Month 0.600%0.60%0.700%0.70%
18 Month0.600%0.60%0.700%0.70%
24 Month 0.700%0.70%0.800%0.80%
36 Month 0.800%0.80%0.900%0.90%
48 Month 0.900%0.90%1.000%1.00%
60 Month 1.390%1.40%1.490%1.50%
Share Certificates with Rate Bump Option
36 Month0.300%0.30%0.400%0.40%Standard Rate: $5,000
Jumbo Rate: $35,000
48 Month0.400%0.40%0.500%0.50%
60 Month0.900%0.90%1.000%1.00%
Share Certificate Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield and is current as of August 1,2020
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Traditional and Roth IRA Certificates
TermDividend RateStandard *A.P.Y.Jumbo Div RateJumbo *A.P.Y.Min Deposit to Open
12 Month 0.750%0.75%0.850%0.85%Standard: $1,000
Jumbo: $35,000
24 Month 0.850%0.85%0.950%0.95%
36 Month 0.950%0.95%1.045%1.05%
48 Month 1.045%1.05%1.140%1.15%
60 Month 1.390%1.40%1.490%1.50%
IRA Share Certificate Notes: Minimum balance of $1,000 to open an IRA Share Certificate. Minimum balance of $35,000 is required to earn the Jumbo APY. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield and is current as of August 1, 2020
Share Savings Account
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Regular Shares0.25%0.25%QuarterlyQuarterly$25.00
*A.P.Y. = Annual Percentage Yield
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
Quarterly dividend rates on regular shares are set by the ACU Board of Directors and are published at the end of the quarter.
Premium Savings
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Tier 1 ($0.00 to $499.99)0.000%0.000%DailyMonthly$500.00
Tier 2 ($500.00 to $9,999.99)0.300%0.30%
Tier 3 ($10,000.00 to $49,999.99)0.400%0.40%
Tier 4 ($50,000.00 to $99,999.99)0.500%0.50%
Tier 5 ($100,000.00+)0.650%0.65%
*A.P.Y = Annual Percentage Yield. Rate current as of June 25, 2020.
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
The dividends are variable rates, compounded daily and paid monthly.
Health Savings Accounts
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Health Savings Account0.650%0.650%DailyMonthly$50.00
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
*A.P.Y. = Annual Percentage Yield, current as of October 1, 2020. The dividends are variable rates, compounded daily and paid monthly.
Traditional/Roth IRA
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidMinimum Amt to Recv Dividend
Traditional / Roth IRA 0.65%0.65%DailyMonthly$5.00
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
*A.P.Y. = Annual Percentage Yield, current as of October 1, 2020. The dividends are variable rates, compounded daily and paid monthly.
Checking
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends Paid
Tier 1 ($500-$9,999,99)0.100%0.100%DailyMonthly
Tier 2 ($10,000 - $49,999.99)0.100%0.100%
Tier 3 ($50,000 - $99,999.99)0.250%0.250%
Tier 4 ($100,000+)0.500%0.500%
*A.P.Y. = Annual Percentage Yield, current as of March 24, 2020. The dividends are variable rates, compounded daily and paid monthly. A minimum balance of $500 is required to earn dividends. Rate may change after the account is opened. Fees may reduce earnings on the account.
Club Accounts
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidPosting Date
2020 Christmas Club * (first $3,000 deposited)2.500%2.500%AnnuallyAnnuallyNovember 1st
Vacation Club * (first $3,000 deposited)1.500%1.500%AnnuallyAnnuallyMay 1st
CD Builder Club0.300%0.300%DailyMonthly**
Visa Builder Club0.250%0.250%QuarterlyQuarterly***
Christmas Cash bonus debit card program will continue unchanged in 2020.

Rate may change after opening any of the above accounts. Fees may reduce earnings on the account. No minimum balance is required to open club or builder accounts or to earn stated dividend.

*A.P.Y. = Annual Percentage Yield, Annual dividend rates on Christmas and Vacation Club accounts are set by the ACU Board of Directors and are published by the end of the quarter preceding the annual posting date. Stated rate on Christmas and Vacation Club account applies to only the first $3,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date.

** Balance will be automatically invested into a certificate when balance exceeds $500.

*** Balance will be automatically secured, and a VISA One Credit Card issued, when balance equals $500.
Standard Share Certificates
Dividend RateStandard *A.P.Y.Jumbo Div RateJumbo *A.P.Y.
6 Month
0.550%0.55%0.650%0.65%
9 Month
0.550%0.55%0.650%0.65%
12 Month
0.600%0.60%0.700%0.70%
18 Month
0.600%0.60%0.700%0.70%
24 Month
0.700%0.70%0.800%0.80%
36 Month
0.800%0.80%0.900%0.90%
48 Month
0.900%0.90%1.000%1.00%
60 Month
1.390%1.40%1.490%1.50%
Share Certificates with Rate Bump Option
36 Month
0.300%0.30%0.400%0.40%
48 Month
0.400%0.40%0.500%0.50%
60 Month
0.900%0.90%1.000%1.00%
Share Certificate Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield and is current as of August 1, 2020.
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.
Traditional and Roth IRA Certificates
Dividend RateStandard *A.P.Y.Jumbo Div RateJumbo *A.P.Y.
12 Month
0.750%0.75%0.850%0.85%
24 Month
0.850%0.85%0.950%0.95%
36 Month
0.950%0.95%1.045%1.05%
48 Month
1.045%1.05%1.140%1.15%
60 Month
1.390%1.40%1.490%1.50%
IRA Share Certificate Notes: Minimum balance of $1,000 to open an IRA Share Certificate. Minimum balance of $35,000 is required to earn the Jumbo APY. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield and is current as of August 1, 2020
Shares Savings Account
Account TypeDividend Rate*A.P.Y.
Regular Shares0.25%0.25%
Dividends compounded and paid Quarterly. Minimum amount to receive dividend = $25.00
*A.P.Y. = Annual Percentage Yield
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
Quarterly dividend rates on regular shares are set by the ACU Board of Directors and are published at the end of the quarter.
Premium Savings
Account TypeDividend Rate*A.P.Y.
Tier 1 ($0.00 to $499.99)0.000%0.000%
Tier 2 ($500.00 to $9,999.99)0.30%0.30%
Tier 3 ($10,000.00 to $49,999.99)0.40%0.40%
Tier 4 ($50,000.00 to $99,999.99)0.50%0.50%
Tier 5 ($100,000.00+)0.65%0.65%
Dividends compounded Daily, and paid Monthly. Minimum amount to receive dividend = $500
*A.P.Y. = Annual Percentage Yield
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
*A.P.Y. current as of June 25, 2020. The dividends are variable rates, compounded daily and paid monthly.
Health Savings Accounts
Account TypeDividend Rate*A.P.Y.
Health Savings Account 20.65%0.65%
Dividends compounded Daily and paid Monthly. Minimum amount to receive dividend = $50
*A.P.Y. = Annual Percentage Yield.
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
The dividends are variable rates, compounded daily and paid monthly.
Traditional/Roth IRA
Account TypeDividend Rate*A.P.Y.
Traditional / Roth IRA 20.65%0.65%
Dividends compounded Daily and paid Monthly. Minimum amount to receive dividend = $5.00
Rate may change after the opening of any of the above accounts. Fees may reduce earnings on the account.
*A.P.Y. = Annual Percentage Rate, current as of October 1, 2020. The dividends are variable rates, compounded daily and paid monthly.
Checking
Account TypeDividend Rate*A.P.Y.
Tier 1 ($500-$9,999,99)0.100%0.100%
Tier 2 ($10,000 - $49,999.99)0.100%0.100%
Tier 3 ($50,000 - $99,999.99)0.250%0.250%
Tier 4 ($100,000+)0.500%0.500%
Dividends compounded Daily and paid Monthly.
*A.P.Y. = Annual Percentage Rate, current as of March 24, 2020. The dividends are variable rates, compounded daily and paid monthly. A minimum balance of $500 is required to earn dividends. Rate may change after the account is opened. Fees may reduce earnings on the account.
Club Accounts
Account TypeDividend Rate*A.P.Y.
2020 Christmas Club * (first $3,000 deposited)2.500%2.500%
Vacation Club * (first $3,000 deposited)1.500%1.500%
CD Builder Club **0.300%0.300%
Visa Builder Club***0.250%0.250%
Christmas Club Dividend Posting Date November 1st
Vacation Club Dividend Posting Date May 1st
*A.P.Y = Annual Percentage Yield

Christmas Cash bonus debit card program will continue unchanged in 2020.

Rate may change after opening any of the above accounts. Fees may reduce earnings on the account. No minimum balance is required to open club or builder accounts or to earn stated dividend.

*Dividends for Christmas and Vacation Club accounts are compounded and paid Annually. Annual dividend rates on Christmas and Vacation Club accounts are set by the ACU Board of Directors and are published by the end of the quarter preceding the annual posting date. Stated rate on Christmas and Vacation Club account applies to only the first $3,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date.

** Balance will be automatically invested into a certificate when balance exceeds $500.
***Dividends compounded and paid quarterly. Balance will be automatically secured, and a VISA One Credit Card issued, when balance equals $500.

Address
1300 Central Ave
Ashland, KY 41101

Phone
606-329-5489
1-800-245-8112