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Savings Accounts

Start Saving Today

For a Better Tomorrow

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  • Discover the benefits of an AFFCU Savings Account

    Not only does an AFFCU Savings Account pay better interest than you’ll see at most financial institutions, it also opens you up to a whole new world of possibilities. A $5.00 opening deposit into your AFFCU Savings Account establishes your lifetime membership and gives you a share of ownership. As an AFFCU member, you’ll have access to our low-rate loans, reward programs, and numerous special benefits. You’ll be able to open any of our other savings accounts, including IRAs, Money Market, Share Certificates and Christmas Club accounts.

    • $5 minimum deposit to open
    • $5 minimum balance required
    • No monthly service fees
    • Enjoy higher-than-average dividends paid monthly
    • Guaranteed safety of your funds by the NCUA

    “I have been a member as far back as I can remember and have been very satisfied. This week I ran into a problem and the representative went beyond my expectations. I truly appreciate him. Thank you.”

    Mary DeGeus
    Get Started

    Open your savings account online, by phone, or in person at one of our branches.

    Open Account

    FREE Savings Interactive Lesson

    Understanding the various types of savings accounts available to you and the way these accounts earn interest is one great way to increase savings even further. Let’s explore how you can make savings work for you.

    GET STARTED

    FREE Emergency Savings Interactive Lesson

    Explore how to develop health savings habits so you can feel more confident about your financial well-being.

    GET STARTED

    FREE Budgeting Interactive Lesson

    Have you ever run out of money before the end of the month? Determine your monthly income and expenses to create a budget so you know where your money is going instead of wondering where it went.

    GET STARTED



  • Type Savings Rates

    Rates Effective as of: 12-07-2021
    Account Minimum Balance Dividend Rates APY*
    Regular Share Account $5.00 0.10% 0.10%
    Secondary Share Account $0.00 0.10% 0.10%

    * APY = Annual Percentage Yield as of the effective date and subject to change at any time without notice.

    - Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.



  • Savings

    Savings Goal Calculator

How can we help you succeed?

  • What would you like to borrow for?
    • A home
      • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    • A vehicle
      • Cool! Are you looking for a regular car, or something a little more adventurous?
        • Something adventurous
        • A regular car is fine with me
          • Sounds good! We have low rates available for both new and used
            Auto Loans. We can also Refinance your current loan with another institution.
    • An education
      • Right on! We have Student Loans available through our trusted partner, Sallie Mae.
    • Something else
      • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
    • I’m mostly interested in a credit card
  • What would you like to save for?
    • The holidays
    • I’d like to open a savings account for my child
      • Great idea! We have several Youth Savings accounts available, depending on your child’s age.
    • Something else – and I’d like to earn a good interest rate
      • Do you have some money saved up already?
        • Yes, quite a bit
          • Nice! Are you okay with leaving your money untouched for a while?
            • Sure
              • Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
            • I’d prefer to make withdrawals when I need to.
              • Sounds good. Check out our Rewards Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
        • Not much
          • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.
  • What would you like help with?
    • Accessing my accounts
      • Okay, how would you like to access your accounts?
        • Online
          • Ok! Is this is your first time using Online Banking?
            • Yes
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • Opening a checking account
      • Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
    • Signing up for eStatements
      • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
    • Running my small business
      • Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
    • Getting insurance