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Savings & Certificates


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 – $10 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.


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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.


Ages 13-19 can open account online. Age 12 and under visit branch location.

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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.


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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.


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Money Market

Get the best of both worlds with our Money Market account – a savings and checking hybrid solution. Earn higher monthly dividends when you maintain a minimum balance of $2,000.


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Not A Member?

Open your membership 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.

Visit a branch to open a Premier or Platinum Savings Account.

Current Members

Open your new Savings Account online through A+ Online Banking. After you log in, click Menu > Open & Apply > Open Additional Shares.

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Scroll to see more details
Rates for membership, platinum, premium, and youth membership savings accounts
Minimum To Open Minimum To Earn Dividends Monthly Fee APY*
Membership Savings $10 $100 $0 0.10%
Youth Membership Savings $10 $10 $0 0.10%
Money Market $2,000 $2,000 $0 0.35%
Premier Savings $25,000 $25,000 $20** 0.60%
Platinum Savings $100,000 $100,000 $0 0.70%

*APY=Annual Percentage Yield.

Declared rate: 6.1.2023 through 6.30.2023. Effective date: 5.30.2023 (6pm) through 6.6.2023 (5:59pm). **$20 monthly fee if balance falls below $25,000.

Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Fees could reduce earnings. See Fee Schedule. Rates subject to change without notice.

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Share Certificates

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.

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Life Guidance for:

Personal Finances

Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.

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Life Guidance for:

Raising Money-Smart Kids

Talking to kids about money is not only acceptable but also encouraged. Use our tips to help your child understand and practice age-appropriate money management skills.

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Be A Member, Not A Customer

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.

Banking on each other.
Building stronger communities.®