Credit union · NCUA insured
America's Credit Union Savings Rates
America's Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Checking Account. Rates checked October 16, 2026.
How America's Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where America's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
America's Credit Union
0.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market Checking Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
America's Credit Union savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 America's 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 Checking Account
0.10%APY
No monthly service fees when the average daily balance is above $500. Allows up to three checks and up to three non-check withdrawals or transfers per month without penalty. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Earns interest on balances from $1,000 to $9,999.99. | 0.05% | — | Earns interest on balances from $1,000 to $9,999.99. |
| $10,000 – $25,000Earns interest on balances from $10,000 to $24,999.99. | 0.10% | $10 | Earns interest on balances from $10,000 to $24,999.99. |
| $25,000 – $300,000Earns interest on balances from $25,000 to $299,999.99. | 0.10% | — | Earns interest on balances from $25,000 to $299,999.99. |
| $300,000 and upEarns interest on balances of $300,000 and above. | 0.15% | — | Earns interest on balances of $300,000 and above. |
Momentum+ Rewards Savings
0.10%APY
Requires Momentum+ Rewards Checking account. Minimum opening deposit of $25. Balances over $75,000 earn APY above deposit maximum (0.10%). Dividend rate subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $75,000Direct deposit in Momentum+ Rewards Checking below $1,500 (or base rate). | 0.10% | $10 | Direct deposit in Momentum+ Rewards Checking below $1,500 (or base rate). |
| $75,000 and upAPY earned on balances exceeding $75,000 deposit maximum for $1,500+ direct deposit tier. | 0.10% | — | APY earned on balances exceeding $75,000 deposit maximum for $1,500+ direct deposit tier. |
Sources (2)
- americascu.org/rates/checking-and-savings.html
- americascu.org/save-and-invest…gs/momentum-savings.html
All captured Oct 6, 2026
Regular Savings
0.05%APY
Earn interest on average daily balance of $500 and up. Rate/yield subject to change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upRate for balances from $500 and up. Minimum $25 to open.$500 and up | 0.05% | $5 | Rate for balances from $500 and up. Minimum $25 to open. |
Sources (2)
- americascu.org/rates/checking-and-savings.html
- americascu.org/save-and-invest…vings/share-savings.html
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Dividends paid on average daily balance of $100 or more, paid monthly. Account balance is automatically transferred to your savings or checking on November 1. One free withdrawal per year; $5 fee per each additional withdrawal. Rate/yield subject to change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid on average daily balance of $100.00 and above. $5 minimum deposit to open at any time of year.$100 and up | 0.10% | $10 | Dividends paid on average daily balance of $100.00 and above. $5 minimum deposit to open at any time of year. |
Sources (2)
- americascu.org/rates/checking-and-savings.html
- americascu.org/save-and-invest…vings/club-accounts.html
All captured Oct 6, 2026
Kids Club Savings
0.10%APY
For kids up to 12 years old. Rate/Yield subject to change daily. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid on average daily balance of $25.00 and above. Minimum $25 to open.$25 and up | 0.10% | $10 | Dividends paid on average daily balance of $25.00 and above. Minimum $25 to open. |
Sources (2)
- americascu.org/rates/checking-and-savings.html
- americascu.org/save-and-invest/savings/kids-savings.html
All captured Oct 6, 2026
Smart Start Savings
0.10%APY
For teens 13 to 18 years old. Rate/Yield subject to change daily. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid on average daily balance of $25.00 and above. Minimum $25 to open.$25 and up | 0.10% | $10 | Dividends paid on average daily balance of $25.00 and above. Minimum $25 to open. |
Sources (2)
- americascu.org/rates/checking-and-savings.html
- americascu.org/save-and-invest/savings/kids-savings.html
All captured Oct 6, 2026
Vacation Club
0.10%APY
Dividends paid on average daily balance of $100 or more, paid monthly. One free withdrawal per year; $5 fee per each additional withdrawal. Rate/yield subject to change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid on average daily balance of $100.00 and above. $5 minimum deposit to open.$100 and up | 0.10% | $10 | Dividends paid on average daily balance of $100.00 and above. $5 minimum deposit to open. |
Sources (2)
- americascu.org/rates/checking-and-savings.html
- americascu.org/save-and-invest…vings/club-accounts.html
All captured Oct 6, 2026
Who can join America's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of America's Credit Union are eligible for membership.
Family and household
- Everyone in the immediate household of an employee of America's Credit Union is eligible for membership.
Membership information collected October 5, 2026.