America's Credit Union, A rates: up to 3.75% APY
credit union · NCUA CHARTER 9373 · www.youracu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club Matures November, funds transfer to savings | $0 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Market Saver | $0 to $2,499 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Market Saver | $2,500 and above | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Performance Saver Deposit | $10 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Savings Base membership account | $25 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional bank savings accounts often pay less than | 0.5% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Standard Certificates | 3 to 12 Months | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard FLEX Certificates | 3 to 12 Months Add deposits anytime during term | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Months Special New money only | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Financial Planning & Advisory IRA Savings & Certificates | 1 year | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1-Year CD | 12 Months | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard Certificates | 13 to 23 Months | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard FLEX Certificates | 13 to 23 Months Add deposits anytime during term | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 18-Month CD | 18 Months Best Rate | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 23-Month CD | 23 Months | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard Certificates | 24 to 47 Months | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard FLEX Certificates | 24 to 47 Months Add deposits anytime during term | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 33-Month CD | 33 Months | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36 Months | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 4-Year CD | 48 Months | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard Certificates | 48 Months and longer | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Standard FLEX Certificates | 48 Months and longer Add deposits anytime during term | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Guaranteed Money Market Ultra | $0 to $2,499 New money only | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Guaranteed Money Market Ultra | $2,500 and above Best Rate New money only | 1.76% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $0 to $4,999 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $5,000 to $14,999 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $15,000 to $24,999 | 0.12% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 to $49,999 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 to $99,999 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 to $149,999 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $150,000 to $249,999 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000 to $499,999 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $500,000 to $999,999 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $1,000,000 and above | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Affinity Free Checking | Up to $1,000.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Affinity Plus Checking | Up to $24,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Affinity Premier Checking | $25,000.00 to $34,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.youracu.org/rates/ | 2026-11-02 01:12 UTC | ok | 22d0412125b6 |
| www.youracu.org/dispatch/lock-in-3-75-apy-with-our-12-month-share-cert | 2026-11-02 01:12 UTC | ok | cf20ef394d49 |
| www.youracu.org/personal-banking-savings/ | 2026-11-02 01:12 UTC | ok | 5ff9f1d154f9 |