Credit union · NCUA insured
American 1 Credit Union Savings Rates
American 1 Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How American 1 Credit Union’s savings rates compare
Compared with banks and credit unions near Jackson, MI, where American 1 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American 1 Credit Union
0.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
American 1 Credit Union savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 American 1 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.
Money Market Account
0.50%APY
Rate may change after account opening. Annual Percentage Yield is calculated by the daily balance method. Dividends may be paid quarterly, semi-annually, and annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually.$5,000 and up | 0.50% | $50 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. |
Sources (1)
- american1cu.org/rates · captured Oct 5, 2026
Members Choice Account
0.10%APY
Rate may change after account opening. Can be customized with any name. Unlimited deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually.Any balance | 0.10% | $10 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. |
Sources (3)
All captured Oct 5, 2026
Primary Share Savings Account
0.10%APY
Dividends calculated by daily balance method. Rate may change after account opening. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually.$5 and up | 0.10% | $10 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. |
Sources (1)
- american1cu.org/rates · captured Oct 5, 2026
True Savings Account
0.10%APY
No opening or maintenance fees. Includes Eagle Earners and Independence accounts. Rate may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. No opening or maintenance fees.Any balance | 0.10% | $10 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. No opening or maintenance fees. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Unlimited deposits. Limits withdrawals until account matures. Distributes savings on October 31st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. Distributes savings on October 31st.Any balance | 0.10% | $10 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. Distributes savings on October 31st. |
Sources (3)
All captured Oct 5, 2026
Eagle Earners Club
0.10%APY
Designed for kids ages 0-12 to teach smart money habits. Shares rate schedule with True Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. For kids ages 12 and under.Any balance | 0.10% | $10 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. For kids ages 12 and under. |
Sources (3)
All captured Oct 5, 2026
Independence Account
0.10%APY
Designed for teens ages 13 to 17. Shares rate schedule with True Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. For teens ages 13 to 17.Any balance | 0.10% | $10 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. For teens ages 13 to 17. |
Sources (3)
All captured Oct 5, 2026
Vacation Club
0.10%APY
Unlimited deposits. Limits withdrawals until account matures. Distributes savings on May 31st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. Distributes savings on May 31st.Any balance | 0.10% | $10 | Rate may change after account opening. Dividends may be paid quarterly, semi-annually, and annually. Distributes savings on May 31st. |
Sources (3)
All captured Oct 5, 2026
Who can join American 1 Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.