Certificates of Deposit

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APY as of 01/14/2020

Term Minimum Balance to Earn APY* Compound Interest Rate APY*
3 Months $25,000.00 At Maturity 1.49% 1.50%
3 Months $1,000.00 At Maturity 1.39% 1.40%
3 Months $100.00 At Maturity 1.34% 1.35%
6 Months $25,000.00 At Maturity 1.49% 1.50%
6 Months $10,000.00 At Maturity 1.40% 1.40%
6 Months $1,000.00 At Maturity 1.30% 1.30%
12 Months $10,000.00 Semi-Annual 1.84% 1.85%
12 Months $1,000.00 Semi-Annual 1.74% 1.75%
         
18 Months $1,000.00 Semi-Annual 1.69% 1.70%
18 Months $10,000.00 Semi-Annual 1.79% 1.80%
24 Months $1,000.00 Semi-Annual 1.79% 1.80%
24 Months $10,000.00 Semi-Annual 1.94% 1.95%
30 Months $1,000.00 Semi-Annual 1.94% 1.95%
         
36 Months Step Up $5,000.00 Semi-Annual 1.94% 1.95%
48 Months $5,000.00 Semi-Annual 2.09% 2.10%
60 Months 2 Time Step Up $5,000.00 Semi-Annual 2.14% 2.15%
  *APY – Annual Percentage Yield

Request further information from an employee concerning the fees and terms applicable. Annual percentage yield assumes principal and interest remain on deposit at current rate for one year. Federal regulations require a penalty for early withdrawal, including substantial tax penalty on tax deferred instruments. Fees could reduce earnings on the account.  

Checking

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APY as of 01/14/2020

Account Minimum Average Daily Balance to Earn APY Minimum Opening Balance Interest Rate APY**
See Below for Rewards Requirements***:
REWARDS Checking Paid on balances up to $25,000 No Minimum 3.15% 3.20%
REWARDS Checking Paid on balances over $25,000 No Minimum 0.40% Range of 1.09% – 3.20%
 
         
 
American Advantage $500 – $999.99 $500 0.35% 0.35%
American Advantage $1,000 – $4999.99 $500 0.40% 0.40%
American Advantage $5,000 & Over $500 0.50% 0.50%

 

Account Minimum Average Daily Balance to Earn APY Minimum Opening Balance Interest Rate APY**
American Gold Up To $10,000.00 $10,000 0.35% 0.35%
American Gold  Over $10,000.00 $10,000 0.60% 0.60%
  • Rates are subject to change without notice.
  • Fees paid could reduce earnings.
  • Additional Disclosures for REWARDS Checking:
    • **Annual Percentage Yield – The 1.09% APY ** is based on a $100,000 average daily balance. Balances over $100,000 will have a lower APY**.  
    • ***If you receive your account statement online or by email but do NOT meet all of the other “Rewards Requirements” for the statement cycle the interest rate on your account will be 0.40% with an APY** of 0.40% on the entire average daily balance. If you do NOT receive account statements online or by email, the interest on your accounts will be 0.10% with an APY** of 0.10% on the entire average daily balance regardless of you meeting any of the other account requirements.

Compare Checking Accounts  

Money Market

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APY as of 01/14/2020

  • Minimum to Earn APY*
 Compound Interest Rate APY*
Minimum Opening Deposit: $1,000
$200,000 Monthly 1.00% 1.00%
$95,000 Monthly 0.80% 0.80%
$50,000 Monthly 0.65% 0.65%
$25,000 Monthly .60% .60%
$2,500 Monthly .50% .50%
Under $2,500 Monthly .40% .40%
  • *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal interest remain on deposit at current rate for one year.
  • Request further information from an employee concerning the fees and terms applicable.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

 

Savings

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APY as of 01/14/2020

Account Minimum to Earn APY* Compound Interest Rate APY*
Statement Savings No Minimum Daily 0.40% 0.40%
  • *APY – Annual Percentage Yield
  • $50 Minimum deposit to open account
  • Annual Percentage Yield assumes principal and interest remain on deposit at current rate for one year.
  • Request further information from an employee concerning the fees and terms applicable.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

All American College

APY as of 01/14/2020

Minimum Opening Deposit Compound Interest Rate APY*
$250 Annually 1.70% 1.70%
  • *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal and interest remain on deposit at current rate for one year.
  • Request further information from an employee concerning the fees and terms applicable.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

Investment

APY as of 01/14/2020

Account Minimum to Earn APY* Interest Rate Compound APY*
         
Health Savings Checking Account Under $5,000 0.00% Monthly 0.00%
Health Savings Checking Account $5,000 – $24,999 1.00% Monthly 1.00%
Health Savings Checking Account $25,000 & above 1.49% Monthly 1.50%
  • *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal and interest remain on deposit at current rate for one year.
  • Request further information from an employee concerning the fees and terms applicable.
    • Federal regulations require a substantial tax penalty on tax deferred instruments for early withdrawal.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.

Flexible Investment Accounts

APY as of 01/14/20

Account Balance Interest Rate Compound APY*
$0 – $4,999 1.24% Monthly 1.25%
$5,000 – $24,999 1.79% Monthly 1.80%
$25,000 – $49,999 1.83% Monthly 1.85%
$50,000 – $99,999 1.88% Monthly 1.90%
$100,000 & Above 1.98% Monthly 2.00%
  • *APY – Annual Percentage Yield
  • Annual Percentage Yield assumes principal and interest remain on deposit at current rate for one year.
  • Request further information from an employee concerning the fees and terms applicable.
    • Federal regulations require a substantial tax penalty on tax deferred instruments for early withdrawal.
    • Fees paid could reduce earnings.
    • Rates are subject to change with out notice.