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Savings Rates

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Savings Rates

Savings Accounts
Effective Date: Monday, October 2nd, 2023
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.

Share Certificates
Effective Date: Monday, October 2nd, 2023
TermDividend RateAPY*Min. Dep.**
180 day 0.75% 0.75% $500.00
1 Year 4.00% 4.00% $500.00
2 Year 4.25% 4.25% $500.00
3 Year 4.35% 4.35% $500.00
4 Year 4.50% 4.50% $500.00
5 Year 4.75% 4.75% $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. Dividends may be paid quarterly, semi-annually, and annually.  Ask for details. 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: Monday, October 2nd, 2023
TermDividend RateAPY*Min. Dep.**
180 day 0.75% 0.75% $50.00
1 Year 4.00% 4.06% $50.00
2 Year 4.15% 4.22% $50.00
3 Year 4.20% 4.27% $50.00
4 Year 4.35% 4.42% $50.00
5 Year 4.65% 4.73% $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: Monday, October 2nd, 2023
TermDividend RateAPY*Min. Dep.**
1 Year 2.50% 2.52% $50.00
2 Year 3.25% 3.29% $50.00
3 Year 3.50% 3.55% $50.00
4 Year 3.75% 3.80% $50.00
5 Year 4.00% 4.06% $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.