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Savings Rates

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Savings Rates

Savings Accounts
Effective Date: Wednesday, May 21st, 2025
NameDividend RateAPY*Min. Opening DepositMinimum Balance
Primary Share Savings Account 0.50% 0.50% $5 $5
True Savings Account (Including Eagle Earners and Independence) 0.50% 0.50% $0 $0
Members Choice Account 0.50% 0.50% $0 $0
Vacation Club 0.50% 0.50% $0 $0
Christmas Club 0.50% 0.50% $0 $0
Premier Checking Account 0.50% 0.50% $2,000 $2,000
Money Market Account 1.00% 1.00% $5,000 $5,000

*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually. Ask for details. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.

Rate may change after account opening

Share Certificates
Effective Date: Wednesday, May 21st, 2025
TermDividend RateAPY*Min. Dep.**
30 days 0.35% 0.35% $500.00
60 days 0.35% 0.35% $500.00
90 days 0.35% 0.35% $500.00
180 days 3.75% 3.75% $500.00
1 Year 3.75% 3.75% $500.00
18 Months 3.65% 3.65% $500.00
2 Year 3.55% 3.55% $500.00
3 Year 3.45% 3.45% $500.00
4 Year 3.35% 3.35% $500.00
5 Year 3.25% 3.25% $500.00
*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. APY is accurate as of the last dividend declaration date. Share certificates are non-compounding and payout of dividends is mandatory. Dividends may be paid monthly, quarterly, semi-annually, and annually- ask for details. Early withdrawal penalties may apply if funds are removed before maturity date; fees may reduce earnings on the account.
**Requires a minimum deposit of $500. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice.

IRA Rates
Effective Date: Wednesday, May 21st, 2025
TermDividend RateAPY*Min. Dep.**
30 0.35% 0.35% $50.00
60 0.35% 0.35% $50.00
90 0.35% 0.35% $50.00
180 day 3.70% 3.75% $50.00
1 Year 3.70% 3.75% $50.00
2 Year 3.50% 3.55% $50.00
3 Year 3.41% 3.45% $50.00
4 Year 3.31% 3.35% $50.00
5 Year 3.21% 3.25% $50.00

*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually.  Ask for details. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
**Requires a minimum deposit of $50. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice. 

Roth IRAs/Coverdell ESA's
Effective Date: Wednesday, May 21st, 2025
TermDividend RateAPY*Min. Dep.**
1 Year 3.70% 3.75% $50.00
2 Year 3.50% 3.55% $50.00
3 Year 3.41% 3.45% $50.00
4 Year 3.31% 3.35% $50.00
5 Year 3.21% 3.25% $50.00
*APY = Annual percentage yield. Annual Percentage Yield is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends may be paid quarterly, semi-annually, and annually. Ask for details. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
**Requires a minimum deposit of $50. A penalty for early withdrawal may apply. American 1 reserves the right to discontinue this promotion without notice.