Credit union · NCUA insured
American United Federal Credit Union Savings Rates
Top CarrotAmerican United Federal Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How American United Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Salt Lake City, UT, where American United Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American United Federal Credit Union
1.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $115
Money Market
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
American United Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.95%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0002.70%
- QualifiedQualified1.15%
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 United Federal 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
1.15%APY
Minimum balance of $1,000 to earn dividends. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $4,999 | 0.95% | — |
| $5,000 – $9,999 | 1.00% | — |
| $10,000 – $24,999 | 1.15% | $115 |
| $25,000 – $49,999 | 1.70% | — |
| $50,000 – $99,999 | 2.05% | — |
| $100,000 – $249,999 | 2.70% | — |
| $250,000 and up | 3.25% | — |
Sources (2)
All captured Sep 16, 2026
GoldStar® Savings
0.13%APY
Additional requirements apply for GoldStar® membership. No monthly fees if requirements are met.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upGoldStar® membership required. Balance of $50+ to earn monthly dividends; $5 minimum balance.$50 and up | 0.13% | $12 | GoldStar® membership required. Balance of $50+ to earn monthly dividends; $5 minimum balance. |
Sources (3)
All captured Sep 16, 2026
Escrow Account
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$0 minimum balance; balance of $50+ to earn monthly dividends.$50 and up | 0.10% | $10 | $0 minimum balance; balance of $50+ to earn monthly dividends. |
Sources (2)
All captured Sep 16, 2026
Primary Savings
0.10%APY
Membership in credit union required; represents ownership. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upBalance of $50+ to earn monthly dividends; $5 minimum balance.$50 and up | 0.10% | $10 | Balance of $50+ to earn monthly dividends; $5 minimum balance. |
Special-purpose accounts
Retirement (IRA) Savings
0.50%APY
Individual Retirement Account (Traditional before-tax or Roth after-tax IRAs). Zero minimum balance or monthly fees. Subject to early withdrawal penalty before age 59.5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and up$0 minimum balance; balance of $1+ to earn monthly dividends. Subject to early withdrawal penalty before age 59.5.$1 and up | 0.50% | $50 | $0 minimum balance; balance of $1+ to earn monthly dividends. Subject to early withdrawal penalty before age 59.5. |
Youth Savings
0.15%APY
Must be younger than 18 years of age to open. No age restrictions with adult co-signer. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust be younger than 18 to open. Balance of $50+ to earn monthly dividends; $5 minimum balance.$50 and up | 0.15% | $15 | Must be younger than 18 to open. Balance of $50+ to earn monthly dividends; $5 minimum balance. |
Club Savings
0.10%APY
Used for special purpose savings; zero minimum balance and no monthly fees. Included with primary savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$0 minimum balance; balance of $25+ to earn monthly dividends.$25 and up | 0.10% | $10 | $0 minimum balance; balance of $25+ to earn monthly dividends. |
Who can join American United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to anyone who agrees to join the Financial Fitness Association for $5.
Where you live or work
- Membership is open to individuals who live, work, or attend school in Carbon or Emery counties.
- Membership is open to individuals who live in an approved underserved area in Salt Lake County.
Employers and groups
- Membership is open to employees or members of an approved SEG group or association.
Family and household
- Membership is open to individuals related to an existing member of American United FCU.
Cost to join
- A $5 fee applies if qualifying for membership by joining the Financial Fitness Association.
- Opening a Primary, Youth, or GoldStar Savings Account requires a $5 minimum deposit at opening and maintaining a $5 minimum balance.
Membership information collected October 4, 2026.