Savings Accounts

Savings Accounts are the basis of membership at allU.S. Establishing one of these accounts activates your membership and represents ownership and voting privileges for the credit union. With balances in excess of $100, an allU.S. Share Savings Account is an easy way to save while paying competitive dividends. To learn more about Base Share & Minor Savings Accounts, review the benefits below or call your allU.S. representative today.

Savings Accounts, Right for Your Needs:

  • Free Online Banking (Pc or Mobile)
  • $25 Minimum Opening Deposit
  • A minimal one time $5 processing fee per member
  • Free eStatements
  • Free Account Alerts with PC Banking
  • Free Remote deposit through our Jazz App
  • Dividends Paid on Balances Over $100
  • No Monthly Fees to Maintain Account
  • NCUA Insured to the Maximum Allowed by Law

Start Your Account Today!

Your Share Savings Account is REQUIRED FOR MEMBERSHIP. It establishes your membership with allU.S. Credit Union and in fact represents your ownership and voting privilege. It works just like a regular savings account. An allUS Share Savings Account is an easy way to save and it pays competitive dividends with balances in excess of $100.
Base Share & Minor
Base Share Account Minor Accounts
$25 minimum opening deposit

Free withdrawals at over 30,000 CO-OP ATMs nationwide
(requires Checking account)

Free eStatements available
Free account alerts with Internet Branch
Remote Deposit

Free direct deposit available

Free Phone Teller calls

Dividends paid1

NCUA insured to the maximum allowed by law

1 “Interest” referenced in the context of this page refers to “dividends.”

Christmas Club

Saving for a special occasion? allU.S. developed the Christmas Club account to allow our members to deck the halls, stress-free. This account enables members to set aside spending money for the holiday or for any occasion. All you have to do is decide how much of your paycheck you want placed in this account each pay period, and watch your savings account grow! With as little as $25, you can start saving until November 1st each year, at which time your balance is transferred to your Base Share Savings Account.

Deck the Halls, Stress-Free

  • No Opening Balance Requirement
  • No Minimum Balance Requirement
  • No Monthly Service Fees
  • Accepts Direct Deposit
  • No Minimum Balance Fee
  • 24/7/365 Call Center
  • Online Banking
  • Automated Telephone Banking
  • Conduct Transactions Via Mail
  • Conduct Deposits & Withdrawals at Shared Branching Locations via ATM
Market Rate

This account offers competitive rates as well as being federally insured, all without withdrawal penalties or long-term commitments with a traditional money market account. Designed for members seeking higher dividend rates without tying their money up for long periods of time. Now offering a high-interest savings option, our Market Rate Accounts offer an alternative for long-term investment accounts or stock market investments.

Earn Interest with Money Markets

  • Open for as Low as $2,500
  • $2,500 Minimum Daily Balance Required for Dividends
  • Liquid Account with No Term and Full Access at all Times
  • Free ATM Withdrawals at Over 30,000 Co-Op ATMs Nationwide (Checking Account required)
  • Dividends Accrue Daily
  • Dividends Paid Monthly
  • Dividends Earned Based on Account Balance
  • No Monthly Service Fees
  • Free eStatements
  • NCUA Insured to the Maximum Allowed by Law
Share Certificates (CD's)

These accounts are designed to lock in a fixed term at a higher rate, in order to make monetary gains as part of your investment strategy. With just your minimum $1,000 deposit, your accounts are federally insured up to $250,000. With allU.S., you get some of the most competitive rates in the area, as well as expert knowledge and support to make the most of your investment.

Choose a CD That’s Right for You

You have options to fit your investment strategy! For members wanting a quick return on their investment, generally reaching maturity within one year or less, we often suggest a Short-Term Certificate. For members wanting to invest their money for longer than one year, we often suggest a Long-Term Certificate because they generally receive a higher rate of return.

  • Open Account for as Little as $1,000
  • Earns Higher Interest than a Savings Account
  • 3 Month Through 5 Year Terms
  • Early Withdrawal Penalties Apply
  • No Monthly Maintenance Fees
  • Daily Compound Interest for Maximum Earnings
  • Mobile Banking
  • NCUA Insured to the Maximum Allowed by Law
  • Automatic Renewal at Maturity
  • Penalty for Early Withdrawal
  • S. High Yield CD Rates are Accurate as of October 2020

Share Certificate Rates

Term Minimum Deposit Dividend Rate Annual Percentage Yield (APY)*
3 to 11 months
$1,000
0.03%
0.03%
12 to 23 months
$1,000
0.05%
0.05%
24 months +
$1,000
0.10%
0.10%

*Dividends are compounded monthly and posted monthly and at maturity. No additional deposits are allowed. Early withdrawal penalties apply.

Compare Accounts

allU.S. Credit Union offers a full range of savings and money market accounts to keep your money growing. Ask your allU.S. representative, or check current rates to decide which product makes the most sense for your financial goals.

Features Base Share Minor Accounts* Xmas Club Market Rate**
Opening Balance Requirement***
$25
$25
$0
$2,500
Minimum Balance Requirement
$25
$25
$0
$2,500
Monthly Service Fees
$0
$0
$0
$0
Accepts Direct Deposit
Yes
Yes
Yes
Yes
Earns Interest****
Yes
Yes
Yes
Yes
Minimum Balance Fee
Yes
Yes
No
Yes
Transfer Limitations
Yes
Yes
Yes
Yes
Withdrawal Limitations
Yes
Yes
Yes
Yes
24/7/365 Call Center
Yes
Yes
Yes
Yes
Online Banking
Yes
Yes
Yes
Yes
Automated Telephone Banking
Yes
Yes
Yes
Yes
Conduct Transactions Via Mail/Fax
Yes
Yes
Yes
Yes
Secure Messaging Through Online Banking
Yes
Yes
Yes
Yes
Conduct Deposits & Withdrawals At Shared Branching Locations
Yes
Yes
Yes
Yes
Use CO-OP Network ATMs For Surcharge - Free Withdrawals
(Checking Account required)
Yes
Yes
N/A
Yes
ACH transactions allowed
No
No
No
No

For complete details, refer to the Truth in Savings (TIS).

*Minor accounts available for holders under age 16.

**Money Market (MoneyFund) excess transaction fee – $10.00 per limited transaction in excess of six per calendar month. Limited transactions are non-teller or non-ATM transactions out of the account, such as check, online/phone transfers, automatic transfers, and ACH transactions.

***Every member must open a share account (either a allU.S. Basic Savings Account or a Youth Savings Account) with a $5 opening balance in order to join allU.S. Federal Credit Union.

****”Interest” referenced in the context of this page refers to “dividends.”