Credit union · NCUA insured
America's Credit Union Savings Rates
Top CarrotAmerica's Credit Union’s best savings rate is 1.76% APY on $10,000, with its Guaranteed Money Market Ultra Account. Rates checked October 22, 2026.
How America's Credit Union’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where America's Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
America's Credit Union
1.76%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $176
Guaranteed Money Market Ultra Account
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
America's Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.76%
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.
Guaranteed Money Market Ultra Account
1.76%APY
ACU membership required, which requires opening a regular share savings account with a minimum deposit of $25. Up to 6 pre-authorized transactions per month. If the balance falls below $2,500, the account earns the lower tier rate. New money only for opening.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $2,500$0 to open | 0.10% | $0 | — |
| $2,500 and up$2,500 to open | 1.76% | $2,500 | $176 |
Performance Saver
Up to 1.00%APY · 1 term
1-year term. Requires a minimum $10 monthly deposit (maximum monthly deposit $5,000); if the monthly deposit is not made, the dividend rate defaults to the Regular Share rate. No monthly maintenance fee. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsQualifying tier: requires $10 or more deposit per month. Term is 1 year | 1.00% | $100 |
| 12 monthsWithout $10 monthly deposit. Dividend rate defaults to Regular Share rate | 0.01% | $1 |
Sources (3)
All captured Oct 22, 2026
Money Market
0.10%APY
ACU membership required. Account can be opened with as little as $1.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $5,000$0 to open | 0.01% | $0 | — |
| $5,000 – $15,000$5,000 to open | 0.10% | $5,000 | $10 |
| $15,000 – $25,000$15,000 to open | 0.12% | $15,000 | — |
| $25,000 – $50,000$25,000 to open | 0.15% | $25,000 | — |
| $50,000 – $100,000$50,000 to open | 0.20% | $50,000 | — |
| $100,000 – $150,000$100,000 to open | 0.25% | $100,000 | — |
| $150,000 – $250,000$150,000 to open | 0.30% | $150,000 | — |
| $250,000 – $500,000$250,000 to open | 0.35% | $250,000 | — |
| $500,000 – $1,000,000$500,000 to open | 0.45% | $500,000 | — |
| $1,000,000 and up$1,000,000 to open | 0.50% | $1,000,000 | — |
Market Saver
0.10%APY
NCUA insured up to $250,000. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.01% | — |
| $2,500 and up | 0.10% | $10 |
Sources (1)
- youracu.org/rates-deposit · captured Oct 22, 2026
Regular Share Savings
0.01%APY
Account establishes membership at America's Credit Union. NCUA insured up to $250,000. Dividends are compounded and credited monthly. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.01% | $1 |
Sources (4)
- youracu.org/personal-banking
- youracu.org/personal-banking-savings
- youracu.org/rates-deposit
- youracu.org/rates
All captured Oct 22, 2026
Special-purpose accounts
Christmas Club
2.75%APY
No minimum balance, no monthly fee. Matures and funds are released/transferred to savings in November. NCUA insured up to $250,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds release/transfer to savings in November.Any balance | 2.75% | $275 | Funds release/transfer to savings in November. |
Sources (3)
All captured Oct 22, 2026
Coverdell ESA
0.20%APY
Coverdell Education Savings Account. Federally insured by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- youracu.org/rates-deposit · captured Oct 22, 2026
Health Savings
0.20%APY
Health Savings Account. Balances roll over year to year. Triple tax advantage. NCUA insured up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Roth IRA Savings
0.20%APY
Roth IRA Savings account. Federally insured by NCUA separately up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- youracu.org/rates-deposit · captured Oct 22, 2026
Teen Savings
0.15%APY
For ages 13 to 17. Requires qualified adult member as joint account holder. Transitions to Regular Share Savings at age 18. No monthly fee. Includes debit card. NCUA insured up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.15% | $15 |
Sources (2)
All captured Oct 22, 2026
Tree Fort Club
0.15%APY
For children ages 12 and under. Parent or legal guardian must be an ACU member and joint account holder. Transitions to Teen Savings at age 13. No monthly fee. NCUA insured up to $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.15% | $15 |
Sources (2)
All captured Oct 22, 2026
IRA Savings
0.10%APY
Traditional and Roth options available. Federally insured by NCUA separately up to $250,000. Open with any amount, add funds any time. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Who can join America's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- ACU membership is open to any individuals or businesses located in the Pacific Northwest.
- Anyone who lives, works, or worships in the Pacific Northwest can be a member.
Military, government and schools
- Active, retired, and reservist members of the armed forces across the Northwest are welcome to join ACU.
Membership information collected October 4, 2026.