Your Savings Work Harder at ACU
Traditional bank savings accounts often pay less than 0.5% APY. At ACU, you're a member-owner, so your dividends are competitive, your deposits are NCUA insured up to $250,000, and there's no monthly fee to keep what you've earned.
Pick the Account That Fits Your Goal
No savings history yet? Start with Regular Share. Working toward something specific? Performance Saver is built for it. Have a growing balance? Money Market rewards you for it. Ready to lock in a rate? Certificates earn 10x more.
Your ACU membership begins with this account. A $25 deposit makes you a part-owner of the credit union and opens the door to every product we offer: checking, loans, certificates, and more. Open multiple accounts to track separate savings goals.
Set a target, fund it automatically, earn more for the discipline. The monthly deposit requirement turns saving from a decision into a system. This is how you fund the next big thing: a down payment, a new vehicle, an emergency cushion, without relying on willpower.
As your balance grows, your rate grows with it. The Money Market rewards members who are building toward something bigger: no monthly fee, no commitment to a fixed term, and a debit card if you need access. The Money Market Ultra rate requires a $2,500 minimum balance.
A share certificate is the credit union equivalent of a CD, and it earns 10 to 30 times more than a standard savings account. You choose the term (3 months to 4 years), we lock in your rate, and your return is guaranteed regardless of what rates do after you open.
Still deciding? Regular Share is where every ACU member starts. Performance Saver is for members with a named goal and a timeline. Money Market rewards balances above $2,500 without locking up funds. Certificates are for money you won't need for at least 3 months and want to maximize.
Accounts Built for Specific Needs
Beyond the core savings lineup, ACU offers specialized accounts for families, seasonal goals, and medical expenses.
Spread holiday costs throughout the year instead of absorbing them all in December. Set up automatic contributions. No minimum balance, no monthly fee. Funds are released in November, right when you need them.
Open a Christmas ClubThe Tree Fort Club (ages 12 and under) and Teen Savings (ages 13-17) start with just $1. A qualified adult member serves as joint owner. The best financial education is a real account with a real balance that grows.
Learn About Youth AccountsTriple tax advantage: contributions are tax-deductible, growth is tax-free, and qualified withdrawals for medical expenses are tax-free. HSA balances roll over year to year and can travel with you if you change jobs or leave an employer plan.
See HSA RatesCompare Accounts and Minimums
Every ACU savings product is NCUA insured. As of March 2025, credit unions averaged 3.07% APY on one-year certificates versus 2.34% at banks, according to NCUA rate data. Rates vary, so see the rates page for current APYs.
| Account | Minimum to Open | Monthly Fee | Access | Rate Type | |
|---|---|---|---|---|---|
| Regular Share Savings | $25 | None | Anytime | Variable | View rates → |
| Performance Saver | $10 | None | After 1-year term | Competitive APY | View rates → |
| Money Market | $0 (Ultra: $2,500) | None | Up to 6×/month | Tiered variable | View rates → |
| Share Certificate | $500 | None | At maturity | Fixed (guaranteed) | View rates → |
| Christmas Club | $0 | None | November | Variable | View rates → |
| Children's Savings | $1 | None | Anytime | Variable | View rates → |
Built for Owners, Not Depositors
At a bank, you're a customer. At ACU, every member is a part-owner, and that changes how your savings are handled.
Every ACU savings account is federally insured by the NCUA, the credit union equivalent of FDIC protection, up to $250,000 per account ownership category.
Banks pay interest to depositors. ACU pays dividends to member-owners. Same concept, different relationship. Your earnings reflect the credit union's performance, not a shareholder's margin.
ACU savings accounts carry no monthly maintenance fees. The balance you deposit is the balance you keep, not minus a fee for the privilege of having an account.
Check balances, transfer between accounts, and deposit checks from the ACU Mobile App or Online Banking, any time, from anywhere. Branches are there when it matters most.
Open multiple Regular Share Savings accounts and label each one for a separate goal: emergency fund, vacation, down payment. Keep goals separate so progress is visible.
Children's accounts open with $1. Regular Share Savings start at $25. Performance Saver starts at $10. There's no high minimum to put a barrier between you and a savings habit.
Open Your Account in 3 Steps
No branch visit required. Most members open online in under 10 minutes.
ACU membership is open to residents of the Pacific Northwest and to active and retired service members nationwide. Joining takes a government ID, Social Security number, and proof of address.
Start with a $25 Regular Share Savings deposit. That's your membership. Then add a Performance Saver, Money Market, or Certificate based on your savings goal and timeline.
Dividends are credited to your account automatically. Set up recurring transfers to your savings goal accounts and track every balance in ACU Online Banking or the Mobile App.
"ACU is doing an outstanding job and everybody is so friendly. Great place to keep money safe."
Savings Account FAQs
Answers to what members ask most when opening a savings account at ACU.
Important Disclosures
APY = Annual Percentage Yield. Rates are subject to change without notice. Performance Saver: minimum $10 monthly deposit required; if the monthly deposit is not made, the dividend rate defaults to the Regular Share rate. Early withdrawal penalty may apply. Money Market Ultra: minimum opening deposit and minimum balance of $2,500 required; guaranteed rate for 6 months; new money only; limit one per account; fees may reduce earnings. Share Certificates: early withdrawal penalty of up to 90 days of dividends may apply; see Truth-in-Savings Disclosure. HSA: consult your tax advisor for guidance on contribution limits and qualified expenses. All accounts federally insured by NCUA up to $250,000. America's Credit Union NMLS 449181.
Your Money Should Be Working
ACU members open savings accounts in minutes, online or in branch. Start with $25, no monthly fee, NCUA insured up to $250,000.