Deposit Rates
Standard Share Certificates
| Term | Dividend Rate | Standard *A.P.Y. | Jumbo Div Rate | Jumbo *A.P.Y. | Min Deposit to Open |
| 6 Month | 0.350% | 0.35% | 0.450% | 0.45% | $500 for Standard CD $35,000 for Jumbo CD |
| 9 Month | 0.400% | 0.40% | 0.500% | 0.50% | |
| 12 Month | 0.450% | 0.45% | 0.55% | 0.55% | |
| 18 Month | 0.600% | 0.60% | 0.700% | 0.70% | |
| 24 Month | 0.700% | 0.70% | 0.800% | 0.80% | |
| 36 Month | 1.045% | 1.05% | 1.145% | 1.15% | |
| 48 Month | 1.190% | 1.20% | 1.290% | 1.30% | |
| 60 Month | 1.390% | 1.40% | 1.490% | 1.50% | |
| Share Certificates with Rate Bump Option | |||||
| 36 Month | 1.045% | 1.05% | 1.145% | 1.15% | Standard Rate: $5,000 Jumbo Rate: $35,000 |
| 48 Month | 1.190% | 1.20% | 1.290% | 1.30% | |
| 60 Month | 1.390% | 1.40% | 1.490% | 1.50% | |
| 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 December 17, 2021 Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. |
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Traditional and Roth IRA Certificates
| Term | Dividend Rate | Standard *A.P.Y. | Jumbo Div Rate | Jumbo *A.P.Y. | Min Deposit to Open |
| 12 Month | 0.550% | 0.55% | 0.650% | 0.65% | Standard: $1,000 Jumbo: $35,000 |
| 24 Month | 0.800% | 0.80% | 0.900% | 0.90% | |
| 36 Month | 1.145% | 1.15% | 1.240% | 1.25% | |
| 48 Month | 1.290% | 1.30% | 1.390% | 1.40% | |
| 60 Month | 1.490% | 1.50% | 1.590% | 1.60% | |
| 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 December 17, 2021 | |||||
Share Savings Account
| Account Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid | Minimum Amt to Recv Dividend |
| Regular Shares | 0.25% | 0.25% | Quarterly | Quarterly | $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. |
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Premium Savings
| Account Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid | Minimum Amt to Recv Dividend |
| Tier 1 ($0.00 to $499.99) | 0.000% | 0.000% | Daily | Monthly | $500.00 |
| Tier 2 ($500.00 to $9,999.99) | 0.300% | 0.30% | |||
| Tier 3 ($10,000.00 to $49,999.99) | 0.350% | 0.35% | |||
| Tier 4 ($50,000.00 to $99,999.99) | 0.450% | 0.45% | |||
| Tier 5 ($100,000.00+) | 0.500% | 0.50% | |||
| *A.P.Y = Annual Percentage Yield. Rate current as of October 1, 2021. 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. |
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Health Savings Accounts
| Account Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid | Minimum Amt to Recv Dividend |
| Health Savings Account | 0.50% | 0.50% | Daily | Monthly | $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, 2021. The dividends are variable rates, compounded daily and paid monthly. |
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Traditional/Roth IRA
| Account Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid | Minimum Amt to Recv Dividend |
| Traditional / Roth IRA | 0.50% | 0.50% | Daily | Monthly | $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, 2021. The dividends are variable rates, compounded daily and paid monthly. |
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Checking
| Account Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid |
| Tier 1 ($500-$9,999,99) | 0.100% | 0.100% | Daily | Monthly |
| 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+) | 0.350% | 0.350% | ||
| *A.P.Y. = Annual Percentage Yield, current as of October 1, 2021. 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 Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid | Posting Date |
| 2022 Christmas Club * (first $3,000 deposited) | 1.500% | 1.500% | Annually | Annually | November 1st |
| Vacation Club * (first $3,000 deposited) | 1.500% | 1.500% | Annually | Annually | May 1st |
| CD Builder Club | 0.300% | 0.300% | Daily | Monthly | ** |
| Visa Builder Club | 0.250% | 0.250% | Quarterly | Quarterly | *** |
| Christmas Cash bonus debit card program will continue unchanged in 2022. 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. |
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Standard Share Certificates
| Dividend Rate | Standard *A.P.Y. | Jumbo Div Rate | Jumbo *A.P.Y. |
| 6 Month | |||
| 0.350% | 0.35% | 0.450% | 0.45% |
| 9 Month | |||
| 0.400% | 0.40% | 0.500% | 0.50% |
| 12 Month | |||
| 0.450% | 0.45% | 0.550% | 0.55% |
| 18 Month | |||
| 0.600% | 0.60% | 0.700% | 0.70% |
| 24 Month | |||
| 0.700% | 0.70% | 0.800% | 0.80% |
| 36 Month | |||
| 1.045% | 1.05% | 1.145% | 1.15% |
| 48 Month | |||
| 1.190% | 1.20% | 1.290% | 1.30% |
| 60 Month | |||
| 1.390% | 1.40% | 1.490% | 1.50% |
| Share Certificates with Rate Bump Option | |||
| 36 Month | |||
| 1.045% | 1.05% | 1.145% | 1.15% |
| 48 Month | |||
| 1.190% | 1.20% | 1.290% | 1.30% |
| 60 Month | |||
| 1.390% | 1.40% | 1.490% | 1.50% |
| 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 December 17, 2021. Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term. |
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Traditional and Roth IRA Certificates
| Dividend Rate | Standard *A.P.Y. | Jumbo Div Rate | Jumbo *A.P.Y. |
| 12 Month | |||
| 0.550% | 0.55% | 0.650% | 0.65% |
| 24 Month | |||
| 0.800% | 0.80% | 0.900% | 0.90% |
| 36 Month | |||
| 1.145% | 1.15% | 1.240% | 1.25% |
| 48 Month | |||
| 1.290% | 1.30% | 1.390% | 1.40% |
| 60 Month | |||
| 1.490% | 1.50% | 1.590% | 1.60% |
| 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 December 17, 2021 | |||
Shares Savings Account
| Account Type | Dividend Rate | *A.P.Y. |
| Regular Shares | 0.25% | 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. |
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Premium Savings
| Account Type | Dividend 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) | 0.35% | 0.35% |
| Tier 4 ($50,000.00 to $99,999.99) | 0.45% | 0.45% |
| Tier 5 ($100,000.00+) | 0.50% | 0.50% |
| 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 October 1, 2021. The dividends are variable rates, compounded daily and paid monthly. |
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Health Savings Accounts
| Account Type | Dividend Rate | *A.P.Y. |
| Health Savings Account 2 | 0.50% | 0.50% |
| 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. |
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Traditional/Roth IRA
| Account Type | Dividend Rate | *A.P.Y. |
| Traditional / Roth IRA 2 | 0.50% | 0.50% |
| 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, 2021. The dividends are variable rates, compounded daily and paid monthly. |
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Checking
| Account Type | Dividend 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+) | 0.350% | 0.350% |
| Dividends compounded Daily and paid Monthly. | ||
| *A.P.Y. = Annual Percentage Rate, current as of October 1, 2021. 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 Type | Dividend Rate | *A.P.Y. |
| 2022 Christmas Club * (first $3,000 deposited) | 1.500% | 1.500% |
| 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 2022. 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. |
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