Savings
Savings accounts are multi-purpose and can be a safe spot for emergency funds, a place to save for big expenses, or an option for automated savings. Learn more about which A+FCU savings account is right for you and earn dividends in an insured account.
Our Savings Accounts
Membership Savings
This is one of the most user-friendly savings accounts you’ll find – $15 to open, $100 minimum balance to earn dividends and no fees. Perfect for a wide variety of people with a wide variety of financial needs.
APY*
0.10%†
Youth Membership Savings
With a low minimum balance, no membership fee, and no monthly fee, the Youth Membership Savings account is designed to make it easier for kids and teens under 19 to start saving.
APY*
0.10%†
Ages 13-19 can open account online. Age 12 and under visit branch location.
Premier Savings
Earn more when you deposit more in your savings account. Receive dividend rates that are 3x higher than our membership savings account when you have a $25,000 minimum balance.
APY*
0.60%‡
Platinum Savings
The worry-free, high-yield savings solution for protecting larger deposits. Maintain a minimum balance of $100,000 in an NCUA-insured account and earn every month without incurring any fees.
APY*
0.70%‡
Not A Member?
Open your savings account online in minutes. Click the button below to join A+FCU through our easy online application > Select the savings account you want to open > Submit your application.
Current Members
Open your new Savings Account online through A+ Online Banking. After you log in, click Menu > Open & Apply > Open Additional Shares.
Compare Account Rates, Fees, and Minimums
| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY* | |
|---|---|---|---|---|
| Membership Savings | $15§ | $100 | None | 0.10%† |
| Premier Savings | $25,000 | $25,000 | $20 (if balance falls below $25,000) | 0.60%‡ |
| Platinum Savings | $100,000 | $100,000 | None | 0.70%‡ |
| Youth Membership Savings | $10 | $10 | $0 | 0.10%† |
*APY=Annual Percentage Yield.
†Declared rate: 4.1.2023 through 4.30.2023.
‡Effective date: 3.28.2023 (6pm) through 4.3.2023 (5:59pm).
§Includes $10 opening deposit and a $5 new membership fee.
Membership required. Insured by NCUA. Rates subject to change. Fees could reduce earnings. See Fee Schedule. Conditions and restrictions may apply. Subject to change without notice.
Save More For Your Future
Earn more from the money you save with a StartUP Certificate. Take advantage of this high-yield account option and get started for just $10.
Rates & Resources
To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.
Personal Finances
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Join The A+FCU Family
Joining is easy and comes not only with a wide variety of money-saving products tailored to fit your needs, but also exclusive member-only benefits.