Savings Rates

Table data for Term Certificate Rates and Annual Percentage Yields
 
Dividend Rates Annual Percentage Yield (APY) Minimum Deposit / Minimum Balance1 Alert Me
3 Month 3.50 % 3.56 % APY $1,000.00
6 Month 4.20 % 4.28 % APY $1,000.00
9 Month2 3.60 % 3.66 % APY $1,000.00
12 Month 4.10 % 4.18 % APY $1,000.00
12 Month Smart Start3 3.60 % 3.66 % APY $25.00
12 Month Variable4 3.46 % $1,000.00
18 Month 4.00 % 4.07 % APY $1,000.00
24 Month 3.90 % 3.97 % APY $1,000.00
36 Month 3.80 % 3.87 % APY $1,000.00
48 Month 3.80 % 3.87 % APY $1,000.00
60 Month 3.80 % 3.87 % APY $1,000.00
3 Month Jumbo 3.60 % 3.66 % APY $100,000.00
6 Month Jumbo 4.35 % 4.44 % APY $100,000.00
9 Month Jumbo2 3.75 % 3.82 % APY $100,000.00
12 Month Jumbo 4.25 % 4.33 % APY $100,000.00
18 Month Jumbo 4.15 % 4.23 % APY $100,000.00
24 Month Jumbo 4.00 % 4.07 % APY $100,000.00
36 Month Jumbo 3.95 % 4.02 % APY $100,000.00
48 Month Jumbo 3.85 % 3.92 % APY $100,000.00
60 Month Jumbo 3.85 % 3.92 % APY $100,000.00
  • 1Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
  • 2One time penalty-free withdrawal on 9 month share certificates only.
  • 3Additional funds may be added at any time.
  • 412 month Variable Rate certificate penalty will equal 6 months' of dividends; additional deposits allowed at any time. Rate is based upon the 1 Year T Bill rate less 50 basis points. Rate will adjust on a monthly basis. Rate will not fall below 1.00% APR or exceed 8.00% APR. Additional funds may be added at any time.

Table data for Money Market and Savings Account Rates and Annual Percentage Yields
 
Anticipated Monthly Rates beginning 07/01/20251 Dividend Rates Annual Percentage Yield (APY) Balance2 Alert Me
Money Market Access 1.15 % 1.16 % $0.01 - $24,999.99
Money Market Access 1.30 % 1.31 % $25,000- $49,999.99
Money Market Access 1.50 % 1.51 % $50,000 - $174,999.99
Money Market Access 1.70 % 1.71 % $175,000+
Preferred Financial Advisor Savings Account Rates Monthly beginning 07/01/2025 Dividend Rates Balance2 Alert Me
PFA Savings Rate3 0.80 % $0.01-$149,999.99
PFA Savings Rate3 4.33 % $150,000+
Anticipated Quarterly Rates beginning 07/01/20254 Dividend Rates Annual Percentage Yield (APY) Alert Me
Share Account5 0.80 % 0.80 %
Christmas Club 1.30 % 1.31 %
IRA Accumulation 1.55 % 1.56 %
  • 1Rates are declared monthly and may change after the account is opened.
  • 2Dividends are calculated on the average daily balance and posted to your account monthly.
  • 3Preferred Financial Advisor savings account- dividends are compounded and credited monthly. Rate is based upon FHLB borrowing rate less (0.25%) basis points on the last business day of the month. The rate is changed on the 1st of each month. Account eligibility is meeting with an All In Credit Union Preferred Financial Advisor.
  • 4Rates are declared quarterly and may change after the account is opened.
  • 5The par value of each share will be $0.01

Table data for IRA Term Certificate Rates and Annual Percentage Yields
 
Dividend Rates Annual Percentage Yield (APY) Minimum Deposit / Minimum Balance1 Alert Me
3 Month IRA 3.50 % 3.56 % $1,000.00
6 Month IRA 4.20 % 4.28 % $1,000.00
9 Month IRA2 3.60 % 3.66 % $1,000.00
12 Month IRA 4.10 % 4.18 % $1,000.00
18 Month IRA 4.00 % 4.07 % $1,000.00
24 Month IRA 3.90 % 3.97 % $1,000.00
36 Month IRA 3.80 % 3.87 % $1,000.00
48 Month IRA 3.80 % 3.87 % $1,000.00
60 Month IRA 3.80 % 3.87 % $1,000.00
3 Month IRA Jumbo 3.60 % 3.66 % $100,000.00
6 Month IRA Jumbo 4.35 % 4.44 % $100,000.00
9 Month IRA Jumbo2 3.75 % 3.82 % $100,000.00
12 Month IRA Jumbo 4.25 % 4.33 % $100,000.00
18 Month IRA Jumbo 4.15 % 4.23 % $100,000.00
24 Month IRA Jumbo 4.00% 4.07 % $100,000.00
36 Month IRA Jumbo 3.95 % 4.02 % $100,000.00
48 Month IRA Jumbo 3.85 % 3.92 % $100,000.00
60 Month IRA Jumbo 3.85 % 3.92 % $100,000.00
Certificates can only be added to at maturity or in the 10-day grace period, unless otherwise indicated.
  • 1Certificates are established with a required minimum deposit. Anytime there is a withdrawal from the certificate that results in the balance being less than the minimum required balance, the certificate should either be closed or put into a certificate where the balance meets the required minimum deposit.
  • 2One time penalty-free withdrawal on 9 month share certificates only.

Rates Accurate as of: July 5, 2025

Rates are subject to change at any time without notice. For the most up-to-date rates, please call our Contact Center at 334.598.4411.

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union board of directors.

There are penalties for early withdrawal and there are minimum balance and opening deposits requirements. Fees could reduce the earnings on the account.