ACU offers savings options for every stage of your financial journey, whether you’re just getting started or ready to step up and earn more.

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Benefits of America's Credit Union Savings Accounts

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Competitive Rates

We’re not-for-profit so we can offer higher savings accounts interest rates and dividends.

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24/7 Access

Manage your savings account using Online and Mobile Banking or our Phone Teller system.

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Federally Insured

Your deposits are insured by NCUA up to $250,000 so you don’t need to worry about the markets.

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Easy to Open

Simply check if you’re eligible to join ACU then get started with a $25 deposit.


A woman checks her savings account balance online.

Regular Share Savings

Become a member and part-owner of the credit union with this simple savings account designed to kickstart your financial future. Deposit $25 in your ACU Share Savings Account and gain access to all our products, services, and member benefits.

  • Open multiple Regular Share Savings to achieve different goals.
  • Online savings accounts offer easy transfers using Online Banking and our Mobile app.
  • Make unlimited deposits
  • Access your funds immediately.
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A woman marks the date she can draw funds from her performance saver account.

Performance Saver (High-yield Savings Account)

Are you working toward a specific savings goal such as a down payment, new car, or vacation? This high-yield savings account offers better rates in exchange for leaving your funds untouched for one year. After a year, you can withdraw the money or roll it over and keep saving.

  • Open an account with a minimum of $10.
  • Maintain a minimum daily balance of $10 to earn the current Annual Percentage Yield (APY).*
  • Deposit at least $10 each month.
  • Make a maximum of $5,000 total deposits in any monthly period.
  • You likely need to pay an early withdrawal penalty if you withdraw funds before the year ends.

*If the account does not receive the minimum monthly deposit the dividend rate will default to the Regular Share rate. Penalties may reduce earnings.

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An image of trees in a high growth concept for a money market savings account.

Money Market Account

A Money Market Account rewards higher balances with a tiered rate structure. These financial products offer higher returns* than traditional savings accounts or short-term certificates of deposit. Plus, you can add money anytime and withdraw funds up to six times per month.

  • Pay no monthly maintenance fee.
  • Earn competitive, guaranteed rates.
  • Tiered interest rates mean your rate goes up as your balance grows.
  • Make up to six withdrawals per month by automatic transfer or telephone transfer.**
  • You also have the option to access your funds with a debit card.
  • Guaranteed Money Market Ultra – 1.76% APY***

*Rates may change after account opening. **No more than six (6) pre-authorized, automatic, or telephone transfers may be made from your money market account to another account of yours or to a third party in any month. *APY = Annual Percentage Yield. 1.76% APY is effective 10/1/22. ACU membership required. ***Minimum opening deposit and minimum balance of $2,500.00 required. Guaranteed for 6 months; you then have the option to re-guarantee at then current rate, otherwise, as disclosed in the Membership and Account Agreement, standard rates apply. New money only. Limit one share per account. Fees may reduce earnings. Copyright © 2022 America’s Credit Union, a Federal Credit Union. All Rights Reserved. This email was sent to you by America’s Credit Union located at 1495 Wilmington Drive, DuPont, WA 98327. Federally insured by NCUA. Equal Housing Lender. 

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Parents teach a child money management with a children's savings account.

Children’s Savings

ACU offers a Teen Savings account for kids between the ages of 13 and 17 and a Tree Fort Club for children 12 years or younger. These accounts help children learn valuable money management skills so they’re well-equipped later.

  • The minimum initial deposit is just $1.
  • A qualified adult ACU member is required to open an account and serves as the joint owner.
  • Children can learn about deposits, withdrawals, and interest rates.
  • They can save up for things they want to buy or start building a nest egg for the future.
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A couple work out how much to deposit into a Share Certificate savings account.

ACU Share Certificates

Certificates typically offer 10 to 30 times the return of a regular savings account. In addition, your earnings aren’t affected by unpredictable market activity. All you need to do is agree to leave your funds untouched for your preferred term.

  • Earn higher interest rates than other savings accounts including Money Market investments.
  • Open an account with a low minimum deposit of $500.
  • Choose a term of three months to five years.
  • Select from our Flex, Standard, IRA, or Jumbo options.
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A family decorates a tree using funds from a a Christmas Club Account.

Christmas Club

The holiday season is full of fun and joy, but we understand it can also bring financial stress. Our Christmas Club savings account lets you spread the costs throughout the year so you can truly celebrate the holidays.

  • Set up a dedicated Christmas savings account anytime during the year.
  • There’s no minimum balance requirement and no monthly service fee.
  • Contribute funds each paycheck.
  • Access your funds when your account matures in November.
  • Pay for holiday expenses such as gifts, food, decor, travel, and more.
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An older couple check their IRA savings balance online.

IRA Accounts

An Individual Retirement Account (IRA) is a simple way to start saving for your future. This savings account is a great option if you do not have a workplace-sponsored plan, or you may open an IRA in addition to your 401(k) or similar.

With ACU, you can choose between an IRA Savings or an IRA Share Certificate. You also have the choice of a Traditional IRA, Roth IRA, and Educational IRA.

  • IRA Savings: Benefit from tax advantages and save for your retirement with contribution limits each year.
  • IRA Certificate: A certificate account that lets you earn higher dividends on your IRA funds.
  • Traditional IRA: Enjoy tax-deductible contributions and pay regular income tax on withdrawals.
  • Roth IRA: Pay taxes on your contributions and then enjoy tax-free withdrawals.
  • Educational IRA: Open an account before your child turns 18 and use the funds for qualified expenses.

*APY = Annual Percentage Yield.  APY effective as of 01/01/2024.  Fees and penalties may be imposed for early withdrawal and may reduce earnings. Minimum opening and monthly balance of $1,000 required. All offers require membership and are subject to change. Consult your tax advisor for tax advice.

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A service member benefits from a veterans family fund account.

Veterans Family Fund

Many of our men and women in uniform face overwhelming challenges here at home. ACU’s Veterans Family Fund makes it easy for you to support our veterans without any extra contribution from you.

  • Open a dedicated six-month Share Certificate with a minimum deposit of $100.
  • Half of the earned interest will go to benefit veterans and their families.
  • You receive the other half of the interest plus a tax deduction for your contribution.
  • You also earn competitive dividend rates on your funds.
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A woman pays for medication using funds from a Health Savings Account.

Health Savings Account

You can use a Health Savings Account (HSA) to pay for or reimburse qualified medical expenses for you and your family members. The account offers peace of mind, especially if you have a healthcare plan with a high deductible.

Tax-free benefits:

  • Your contributions are tax deductible and earnings accumulate tax free.
  • Enjoy tax-free distributions for qualified medical expenses.

Flexible spending options:

  • Use your HSA funds to pay for health insurance deductibles, co-payments, certain over-the-counter medications, and out-of-pocket expenses.
  • You may also have the option of paying a qualified medical expense with a check or debit card – consult your tax advisor for details.

Year-to-year savings:

  • HSA balances automatically roll over from year to year.
  • Easily budget for health expenses and build up savings to cover qualified medical expenses when needed.

Flexible contribution options:

  • HSAs are individual accounts that you own, so you can take them with you when you leave a company or change jobs.
  • Your employer may choose to make contributions to an HSA as an added benefit to you.
  • If so, you may take a once-in-a-lifetime tax-free distribution from an IRA to fund an HSA.
  • You are also eligible for a catch-up contribution if you are age 55 or older by the end of your taxable year and have not enrolled in Medicare.

HSA contribution limits:

  • 2024 Individual: $4,150
  • 2024 Family: $8,300
  • 2024 Catch-Up (55+): $1,000
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*Terms and conditions: The terms applicable to your Deposit Accounts at ACU are provided in a separate Truth–in–Savings Disclosure. A penalty of up to 90 days of dividends may be imposed for early withdrawal. Fees and penalties may reduce earnings on the account. Rates are subject to change.



“I opened an account with ACU last week and I was very impressed. I loved the customer service and the attentiveness of the employees. Trevor and Francine were amazing. They helped me open a savings account that will allow me to save money for a new car. I walked out that evening very happy, they really made my day!”

-Shia W.


ACU Checking Accounts to Complement Our Savings Options

Affinity Plus

Relax knowing you have cell phone insurance, identity theft coverage, and ATM refunds plus you get 10 cents back on debit card purchases over $5.

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Affinity Premier

Enjoy competitive rates on higher balances with no monthly fee, free checks, and identity protection. Plus all the features of our Basic Checking option.

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Affinity Basic

Earn a great rate of 3.00% APY on balances under $1,000 and get all the essentials like Online and Mobile Banking, Mobile Deposit of checks, and Bill Pay.

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