Credit union · NCUA insured
AAC Credit Union Savings Rates
Top CarrotAAC Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How AAC Credit Union’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where AAC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AAC Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
High Yield Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
AAC Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0000.75%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where AAC Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings
Up to 3.50%APY
No minimum balance to open. One High Yield Savings per member. Base rate applies up to $50,000; to earn 3.50% APY, must pair with an active FreePlus Checking account meeting monthly requirements (direct deposit of $500+, 10 posted debit transactions, estatements, and log into online banking at least once per month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Requires active FreePlus Checking account with direct deposit of $500+, 10 posted debit card transactions, monthly estatements, and online banking login at least 1x per month. Rate applies on balances up to $50,000.Up to $50,000 | 3.50% | $350 | Requires active FreePlus Checking account with direct deposit of $500+, 10 posted debit card transactions, monthly estatements, and online banking login at least 1x per month. Rate applies on balances up to $50,000. |
| Up to $50,000Base rate on balances up to $50,000 if monthly FreePlus Checking requirements are not met.Up to $50,000 | 2.00% | $200 | Base rate on balances up to $50,000 if monthly FreePlus Checking requirements are not met. |
Money Market
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $9,999 | 0.30% | — |
| $10,000 – $24,999 | 0.40% | $40 |
| $25,000 – $49,999 | 0.45% | — |
| $50,000 – $99,999 | 0.60% | — |
| $100,000 – $249,999 | 0.75% | — |
| $250,000 and up | 1.00% | — |
Sources (3)
- goaac.com/must-haves/member-perks/rates
- goaac.com/shop/savings/cdmoney-market
- goaac.com/shop/savings/rates
All captured Oct 5, 2026
Regular Savings
0.10%APY
A $5 deposit into a Basic Savings is required for AAC Credit Union membership. If choosing only a Savings Account relationship, a $100 minimum balance applies to avoid a $5.00/month fee (waived with active checking, loan, or Visa Platinum; members 23 & under exempt). Max 6 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 and up | 0.10% | $10 |
Sources (4)
- goaac.com/disclosures
- goaac.com/must-haves/member-perks/rates
- goaac.com/shop/savings
- goaac.com/shop/savings/rates
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
4.00%APY
No minimum deposit and no monthly fee. Earns 4.00% APY on balances up to $5,000. On November 1st, all savings roll into basic savings account. $5 service fee applies for early withdrawal before rollover.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applies to balances up to $5,000. Full balance rolls into basic savings account on November 1st. Early withdrawal fee of $5 applies.Up to $5,000 | 4.00% | — | Applies to balances up to $5,000. Full balance rolls into basic savings account on November 1st. Early withdrawal fee of $5 applies. |
Health Savings Account
1.00%APY
Must be paired with a High Deductible Health Plan. Zero fee structure: no monthly fee, no minimum balance, and no statement fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.50% | — |
| $1,000 – $5,000 | 0.75% | — |
| $5,000 – $25,000 | 1.00% | $100 |
| Over $25,000 | 1.00% | — |
Sources (3)
All captured Oct 16, 2026
Individual Retirement Account (IRA)
0.50%APY
Can be opened with a minimum of $500. Traditional and Roth IRAs available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.50% | $50 |
Sources (3)
All captured Oct 5, 2026
Who can join AAC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or studies in Kent, Muskegon, Ottawa, Barry, or Allegan counties.
Cost to join
- Opening a savings account with a $5 deposit is required to begin membership.
Membership information collected October 5, 2026.