Savings Accounts That Are Right for You
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.
Savings Accounts
Base Share Account |
Minor Accounts |
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$25 minimum opening deposit |
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Free withdrawals at over 30,000 CO-OP ATMs nationwide |
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Free eStatements available |
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Free account alerts with Internet Branch |
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Free ATM card |
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Free direct deposit available |
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Free Phone Teller calls |
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Dividends paid1 |
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NCUA insured to the maximum allowed by law |
1 "Interest" referenced in the context of this page refers to "dividends."
Christmas Club
Your Christmas Club account will have you decking the halls stress free. This account allows you to set aside spending money for the holidays or for any occasion.
Decide how much of your paycheck you want placed in this account each pay period
and watch your savings grow.
Open your Christmas Club Account with as little as $25 and you will earn monthly dividends with an average daily balance of $25 or more. On November 1st each year, your balance is transferred to your Base Share Savings account. No account fees unless funds are accessed prior to scheduled payout.
Automatic renewal at maturity. Penalty assessed for early withdrawal.
Market Rate Account
Our Market Rate Account offers competitive rates as well as being federally insured and no, it is not tied to the stock market - this is a great account for your savings! With easy access to your money, you don't have to worry about withdrawal penalties or long-term commitments with a money market account. This account is designed for Members who want higher dividend rates without tying up their money for long periods of time. Enjoy a high interest savings option as an alternative for long term investment accounts.
- Open for as low as $2,500.
- $2,500 minimum daily balance required to receive dividends.
- Your account is liquid meaning that there is no term and you have access to your funds at any time.
- Free ATM withdrawals at over 30,000 CO-OP ATMs nationwide
- Dividends accrue daily and are paid monthly
- Dividends are earned based on the account balance
- No monthly service fees
- Free eStatements
- NCUA Insured to the maximum allowed by law
Share Certificates
Enjoy our highest rates when you can commit $1,000 from 3 months to 5 years depending on your investment strategy. Our allUS Share Certificates of Deposit (or CDs) are safe, secure, insured and best of all, pay a competitive rate.
Share Certificates of Deposits (CDs)
These accounts are used to lock in a fixed term and higher rate as part of your investment strategy. With a minimum of $1,000 your accounts are federally insured up to $250,000.
Choose a CD That's Right for You
allU.S. offers some of the most competitive rates in the area and are federally insured up to $250,000.
- Short-Term Certificate:
For members wanting a quick return on their investment, generally reaching maturity within one year or less. - Long-Term Certificate:
For members wanting to invest their money for longer than one year, these certificates generally receive a higher rate of return.- Open an account for as little as $1,000
- Earn higher interest than a savings account
- 3 month - 5 year terms
- Early withdrawal penalties apply
- No monthly maintenance fees
- Daily compound interest for maximum earnings
- View your account on the go with Mobile Banking
- NCUA insured to the maximum allowed by law. Maximize your coverage
- Automatic renewal at maturity. If you make an early withdrawal, you will pay a penalty.
- allU.S. High Yield CD rates are accurate as of Oct 2020. See rates below.
Share Certificate Rates
Term | Minimum Deposit | Dividend Rate | Annual Percentage Yield (APY) ![]() |
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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% |
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 ![]() |
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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 | No | 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 | Yes | Yes | N/A | Yes |
ACH transactions allowed | No | No | No | No |
For complete details, refer to the Truth in Savings (TIS).