Credit union · NCUA insured
AAEC Credit Union Savings Rates
Top CarrotAAEC Credit Union’s best savings rate is 1.26% APY on $10,000, with its Savings (share) & Sub Savings. Rates checked October 16, 2026.
How AAEC Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where AAEC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AAEC Credit Union
1.26%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $126
Savings (share) & Sub Savings
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
AAEC Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.26%
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 AAEC 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.
Savings (share) & Sub Savings
1.26%APY
All Savings (share) account dividends are based on the Credit Union's earnings at the end of the dividend period and cannot be declared in advance. All dividends are calculated using the average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly compounding frequency. Stated as APR on deposit table.Any balance | 1.26% | $126 | Quarterly compounding frequency. Stated as APR on deposit table. |
Special-purpose accounts
Kids' Account
5.13%APY
For kids 12 and under. Parent or guardian must be joint owner. Additional joint owners can also be added. Members turning 13 will be transitioned out of the Kids' Club Account and into the Teen account after their 13th birthday.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $500Quarterly compounding frequency.Up to $500 · Unknown to open | 5.13% | Unknown | — | Quarterly compounding frequency. |
| Up to $500No minimum balance or fees. Dividends paid quarterly. 5.0% APR on all balances up to $500.Up to $500 · $25 to open | 5.13% | $25 | — | No minimum balance or fees. Dividends paid quarterly. 5.0% APR on all balances up to $500. |
Sources (3)
All captured Oct 16, 2026
Teen Account
2.53%APY
For teens aged 13-18. Parent or guardian must be joint owner if under 18. Additional joint owners can be added. Members turning 19 will be transitioned out of the Teen account into a regular savings account after their 19th birthday.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $1,000Quarterly compounding frequency.Up to $1,000 · Unknown to open | 2.53% | Unknown | — | Quarterly compounding frequency. |
| Up to $1,000No minimum balance or fees. Dividends paid quarterly. 2.5% APR on all balances up to $1,000.Up to $1,000 · $25 to open | 2.53% | $25 | — | No minimum balance or fees. Dividends paid quarterly. 2.5% APR on all balances up to $1,000. |
Sources (3)
All captured Oct 16, 2026
Holiday Club
1.01%APY
Holiday Club funds will be transferred to your checking account the first week of November or mailed to you if you don't have a checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceYearly compounding frequency. Dividends paid annually on October 31.Any balance | 1.01% | $101 | Yearly compounding frequency. Dividends paid annually on October 31. |
Sources (3)
All captured Oct 16, 2026
Who can join AAEC 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 or works in the geographical area bounded by the Illinois/Wisconsin border on the north, US 90/US39 on the west, US 80/US 294 on the south, and US 294 to IL 19 (Irving Park Rd) to Lake Michigan on the east.
Membership information collected October 5, 2026.