Maximize your savings potential with AmeriCU Credit Union’s online banking platform, offering compelling Annual Percentage Yields (APYs) on their checking and certificate of deposit (CD) accounts. As of February 1, 2025, you can earn a competitive 7.00% APY on checking account balances up to $10,000. For balances exceeding $10,000, the APY ranges from 0.15% to 7.00%, ensuring you earn more on your funds.
To qualify for the premier 7.00% APY, ensure you meet these simple monthly requirements:
- Complete at least 12 debit card signature transactions within each monthly statement cycle.
- Enroll in eStatements for convenient and secure online access to your account statements.
- Maintain a minimum loan balance of $5,000 in good standing (excluding credit cards and student loans). If you do not meet the loan requirement, you will still earn a solid 6.00% APY.
Without meeting these criteria, the account still offers a respectable 0.05% APY on balances up to $10,000, and between 0.05% to 0.15% APY on balances over $10,000. Dividends are compounded and credited to your account at the close of each monthly billing cycle, structured as a tiered account to maximize your earnings based on your balance.
AmeriCU values your convenience, refunding up to $25 in foreign ATM fees each month when you meet the high-yield requirements. This refund is provided as a single lump sum within your monthly statement cycle. Statements are generated on the first day of each month, following the cycle end on the last day of the month. There are no transaction rollovers, and no minimum balance is needed to open or maintain this account, with no monthly service fees. Note that standard fees may apply and could reduce earnings. A maximum of three AmeriCU High Rate or Rewards Checking accounts are permitted per member, and Courtesy Pay is available for eligible members.
For those looking for secure, fixed-rate savings, AmeriCU also offers Certificates of Deposit (CDs) with competitive APYs, current as of February 28, 2025. Please note that these APYs are subject to change. A minimum deposit of $500 is required to open a CD. Withdrawals of principal before maturity are subject to early withdrawal penalties. The stated Dividend Rate and APY are fixed for the CD’s initial term. AmeriCU membership is required, and accounts are federally insured by NCUA.
Explore the benefits of Americu Online Banking today and take control of your financial future with high-yield accounts designed to help your money grow.
