Credit union · NCUA insured
Air Academy Credit Union Savings Rates
Air Academy Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Fund. Rates checked October 22, 2026.
How Air Academy Credit Union’s savings rates compare
Compared with banks and credit unions near Colorado Springs, CO, where Air Academy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Air Academy Credit Union
0.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $75
Saver Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Credit Union of Colorado
3.30%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $330
Air Academy Credit Union savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0006.50%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.75%
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 Air Academy 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.
Reverse Tier Savings
0.25%APY
Limit of one Reverse Tier Savings Account per member. Interest is paid at tier rates on the balances within each tier. Total interest paid is the sum of interest earned from each balance in each tier. APY paid is a blended APY of applicable tiers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Interest paid at tier rate on balances within tier. | 6.50% | — | Interest paid at tier rate on balances within tier. |
| $2,000 – $5,000Interest paid at tier rate on balances within tier. | 1.25% | — | Interest paid at tier rate on balances within tier. |
| $5,000 – $10,000Interest paid at tier rate on balances within tier. | 0.25% | $25 | Interest paid at tier rate on balances within tier. |
| $10,000 – $50,000Interest paid at tier rate on balances within tier. | 0.15% | — | Interest paid at tier rate on balances within tier. |
| Over $50,000Interest paid at tier rate on balances within tier. | 0.05% | — | Interest paid at tier rate on balances within tier. |
Sources (1)
- aacu.com/personal/personal-ban…everse-tier-savings.html · captured Oct 15, 2026
Money Fund
0.45%APY
Minimum balance of $1,000 required to earn dividends. Funds available for overdraft protection. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,500 | 0.40% | — |
| $2,500 – $10,000 | 0.40% | — |
| $10,000 – $25,000 | 0.45% | $45 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 0.60% | — |
| $100,000 – $250,000 | 0.65% | — |
| $250,000 – $500,000 | 0.70% | — |
| $500,000 and up | 1.10% | — |
Sources (1)
- aacu.com/personal/personal-banking/money-fund.html · captured Oct 4, 2026
Saver Account
Up to 0.75%APY
Qualifications: In your Cash Rewards or Cash Back Rewards Checking account, (a) post and clear at least one direct deposit or pre-authorized ACH, (b) post and clear twelve or more purchase transactions using your debit card, and (c) enroll in estatements during the monthly periodic statement cycle. When met, balances up to $50,000.00 earn 0.75% APY and balances over $50,000.00 earn 0.15% APY. If qualifications are not met, 0.05% APY is received on the entire balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Earned on balances up to $50,000.00 when monthly qualifications in Cash Rewards or Cash Back Rewards Checking are met. | 0.75% | $75 | Earned on balances up to $50,000.00 when monthly qualifications in Cash Rewards or Cash Back Rewards Checking are met. |
| Any balanceBase rate applied to entire balance if monthly qualifications in Cash Rewards or Cash Back Rewards Checking are not met. | 0.05% | $5 | Base rate applied to entire balance if monthly qualifications in Cash Rewards or Cash Back Rewards Checking are not met. |
| Over $50,000Earned on the portion of balance over $50,000.00 when monthly qualifications in Cash Rewards or Cash Back Rewards Checking are met. | 0.15% | — | Earned on the portion of balance over $50,000.00 when monthly qualifications in Cash Rewards or Cash Back Rewards Checking are met. |
Sources (2)
All captured Oct 15, 2026
Savings Account
0.05%APY
AACU membership starts with a Primary Savings Account, automatically opened for every member. A minimum balance of $5.00 is required to open and earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upA minimum balance of $5.00 is required to open and earn dividends.$5 and up | 0.05% | $5 | A minimum balance of $5.00 is required to open and earn dividends. |
Sources (2)
All captured Oct 15, 2026
Special Savings Account
0.05%APY
A minimum balance of $5.00 is required to open and earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upA minimum balance of $5.00 is required to open and earn dividends.$5 and up | 0.05% | $5 | A minimum balance of $5.00 is required to open and earn dividends. |
Sources (1)
- aacu.com/rates.html · captured Oct 15, 2026
Special-purpose accounts
Health Savings Account
0.10%APY
A Health Savings Account (HSA) is a tax-advantaged medical savings account specifically designed to help pay for medical costs. Tiered dividend rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
Sources (1)
- aacu.com/personal/personal-ban…lth-savings-account.html · captured Oct 15, 2026
IRA Savings Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- aacu.com/plan/invest/individual-retirement-accounts.html · captured Oct 15, 2026
Who can join Air Academy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Health Care professionals are eligible for membership.
- People employed by or a member of one of the credit union's Select Employee Groups are eligible for membership.
- Small businesses are eligible for membership.
Military, government and schools
- Active duty and retired military service members and their families are eligible for membership.
- Employees and students (and their families) of 15 qualifying school districts are eligible for membership.
Membership information collected October 4, 2026.