Credit union · NCUA insured
American Lake Credit Union Savings Rates
American Lake Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Plus. Rates checked October 22, 2026.
How American Lake Credit Union’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where American Lake Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American Lake Credit Union
0.45%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $45
Money Plus
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
American Lake Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.85%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.45%
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 Lake 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.
Membership Rewards Savings
0.45%APY
Promotional savings account designed to receive rewards and automated savings from eligible American Lake Credit Union programs (Spare Change Round Up transfers, ALCUstom Rewards cash back, promotional bonuses, and other authorized deposits). Not intended as a general-purpose savings account. Member-initiated deposits are not permitted unless authorized. Withdrawals and transfers permitted at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Dividends compounded and credited monthly. Applies to balance tier $0.00 - $500.00. | 2.50% | — | Dividends compounded and credited monthly. Applies to balance tier $0.00 - $500.00. |
| $500 – $1,000Dividends compounded and credited monthly. Applies to balance tier $500.01 - $1,000.00. | 0.85% | — | Dividends compounded and credited monthly. Applies to balance tier $500.01 - $1,000.00. |
| $1,000 – $5,000Dividends compounded and credited monthly. Applies to balance tier $1,000.01 - $5,000.00. | 0.50% | — | Dividends compounded and credited monthly. Applies to balance tier $1,000.01 - $5,000.00. |
| Over $5,000Dividends compounded and credited monthly. Applies to balance tier $5,000.01+. | 0.45% | $45 | Dividends compounded and credited monthly. Applies to balance tier $5,000.01+. |
Sources (1)
- americanlake.org/Rates/Savings-Rates · captured Sep 15, 2026
Save to Win
0.45%APY
Must be a member of American Lake Credit Union in good standing, at least 18 years old, and a legal resident of the state of Washington. For every $25 increase in month-over-month balance, receive one entry into monthly, quarterly, and annual prize drawings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Dividends compounded and credited monthly. Applies to balance tier $0 - $500.00. | 1.35% | — | Dividends compounded and credited monthly. Applies to balance tier $0 - $500.00. |
| $500 – $1,000Dividends compounded and credited monthly. Applies to balance tier $500.01 - $1,000.00. | 0.85% | — | Dividends compounded and credited monthly. Applies to balance tier $500.01 - $1,000.00. |
| $1,000 – $5,000Dividends compounded and credited monthly. Applies to balance tier $1,000.01 - $5,000.00. | 0.50% | — | Dividends compounded and credited monthly. Applies to balance tier $1,000.01 - $5,000.00. |
| Over $5,000Dividends compounded and credited monthly. Applies to balance tier $5,000.01+. | 0.45% | $45 | Dividends compounded and credited monthly. Applies to balance tier $5,000.01+. |
Sources (2)
All captured Sep 15, 2026
Money Plus
0.45%APY
Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. | 0.40% | — | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. |
| $5,000 – $50,000Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. | 0.45% | $45 | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. |
| $50,000 – $100,000Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. | 0.55% | — | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. |
| $100,000 and upDividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. | 0.60% | — | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. |
Sources (1)
- americanlake.org/Save/Short-Term/Money-Plus · captured Oct 4, 2026
Money Plus Share
0.45%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $0 - $4,999.99. | 0.40% | — | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $0 - $4,999.99. |
| $5,000 – $50,000Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $5,000 - $49,999.99. | 0.45% | $45 | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $5,000 - $49,999.99. |
| $50,000 – $100,000Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $50,000 - $99,999.99. | 0.55% | — | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $50,000 - $99,999.99. |
| $100,000 and upDividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $100,000+. | 0.60% | — | Dividends compounded and credited monthly. Minimum balance to avoid fee is $5,000. Applies to daily balance tier $100,000+. |
Sources (1)
- americanlake.org/Rates/Savings-Rates · captured Sep 15, 2026
Sub Share
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited annually. Minimum daily balance to earn dividends is $5.00.$5 and up | 0.25% | $25 | Dividends compounded and credited annually. Minimum daily balance to earn dividends is $5.00. |
Sources (1)
- americanlake.org/Rates/Savings-Rates · captured Sep 15, 2026
Regular Share
0.02%APY
Become a member-owner with just a $5 minimum balance. No monthly service fees. Build your savings automatically with direct deposit or scheduled transfers. Federally insured up to $250,000 by NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited monthly. Minimum daily balance to earn dividends is $5.00.$5 and up | 0.02% | $2 | Dividends compounded and credited monthly. Minimum daily balance to earn dividends is $5.00. |
Sources (2)
All captured Sep 15, 2026
Special-purpose accounts
Holiday Share
0.25%APY
Deposit up to $5,000 annually. Funds are automatically transferred to Primary Share (Savings) Account on or after November 1st each year. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited annually. Minimum daily balance to earn dividends is $5.00.$5 and up | 0.25% | $25 | Dividends compounded and credited annually. Minimum daily balance to earn dividends is $5.00. |
Sources (2)
All captured Sep 15, 2026
Who can join American Lake Credit Union
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