Americu rates: up to 7.00% APY
credit union · NCUA CHARTER 68433 · www.americu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Savings Accounts | rates dated 1 Apr 2026 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | rates dated 1 Apr 2026 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | $0.01 min. balance to open · rates dated 1 Apr 2026 | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3 Month Certificate | $50 · 3 months · rates dated 1 Apr 2026 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 3 Month Certificate | $500 · 3 months · rates dated 1 Apr 2026 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Certificate | $50 · 6 months · rates dated 1 Apr 2026 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Certificate | $500 · 6 months · rates dated 1 Apr 2026 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate | $50 · 1 year · rates dated 1 Apr 2026 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate | $500 · 1 year · rates dated 1 Apr 2026 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| AmeriCU Share Certificate | 1 year | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| SHARE CERTIFICATES | 1 year | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| AmeriCU Share Certificate | 18 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificate Special | 18-Month · $500 · rates dated 1 Apr 2026 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | $500 · 2 years · rates dated 1 Apr 2026 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Certificate | $500 · 3 years · rates dated 1 Apr 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Certificate | $500 · 4 years · rates dated 1 Apr 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Certificate | $500 · 5 years · rates dated 1 Apr 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account Money Market | $25.00 to $2,499.99 · rates dated 1 Apr 2026 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Money Market | $2,500.00 to $4,999.99 · rates dated 1 Apr 2026 | 1.24% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Money Market | $5,000.00 to $9,999.99 · rates dated 1 Apr 2026 | 1.49% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Money Market | $10,000.00 to $49,999.99 · rates dated 1 Apr 2026 | 1.74% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Money Market | $50,000.00 to $99,999.99 · rates dated 1 Apr 2026 | 1.98% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account Money Market | $100,000.00 and up · rates dated 1 Apr 2026 | 2.23% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Money Market | $0.01 – $9,999.99 · rates dated 1 Apr 2026 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Money Market | $10,000.00 – $24,999.99 · rates dated 1 Apr 2026 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Money Market | $25,000.00 – $49,999.99 · rates dated 1 Apr 2026 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Money Market | $50,000.00 – $99,999.99 · rates dated 1 Apr 2026 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Money Market | $100,000.00 – $249,999.99 · rates dated 1 Apr 2026 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Money Market | $250,000.00 – $999,999.99 · rates dated 1 Apr 2026 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Money Market | $1,000,000.00 and up · rates dated 1 Apr 2026 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $0.01 – $499.99 · rates dated 1 Apr 2026 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $500.00 – $999.99 · rates dated 1 Apr 2026 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $1,000.00 – $2,499.99 · rates dated 1 Apr 2026 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $2,500.00 – $9,999.99 · rates dated 1 Apr 2026 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $10,000.00 – $24,999.99 · rates dated 1 Apr 2026 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $25,000.00 – $49,999.99 · rates dated 1 Apr 2026 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $50,000.00 – $99,999.99 · rates dated 1 Apr 2026 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $100,000.00 – $249,999.99 · rates dated 1 Apr 2026 | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $250,000.00 – $999,999.99 · rates dated 1 Apr 2026 | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $1,000,000.00 and up · rates dated 1 Apr 2026 | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking | rates dated 1 Apr 2026 | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Freedom Checking | rates dated 1 Apr 2026 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| HSA Checking | rates dated 1 Apr 2026 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Checking (No Qualify) | rates dated 1 Apr 2026 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Checking (Qualifications Met and Qualifying Loan) | rates dated 1 Apr 2026 | 7.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High Rate Checking (Qualifications Met) | rates dated 1 Apr 2026 | 6.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards Checking | rates dated 1 Apr 2026 | 0.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.americu.org/share-certificates/ | 2026-11-01 17:42 UTC | ok | 0c50f924bca8 |
| www.americu.org/savings/ | — | extract-failed | |
| www.americu.org/current-rates/ | 2026-11-01 17:42 UTC | ok | 2baf0a0a4846 |