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Savings Accounts That Are Right for You

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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.

Kasasa Saver®
Make saving easy and automatic. This account links to your free Kasasa Cash or Kasasa Cash Back checking. Plus, it pays high dividend earnings!

Savings Accounts

Base Share Account
Minor Accounts

Free PC Banking



Online Account Access



$25 minimum opening deposit



Free withdrawals at over 30,000 CO-OP ATMs nationwide



Free eStatements available



Free account alerts with Internet Branch



Free ATM card



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

Christmas ClubYour 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.

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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. IRA funds are insured separately from your other accounts. That means another $250,000 on top of your other allUS accounts.

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 more info
    • 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 2/4/2013. See rates below.
  • IRA CD (Fixed-Rate)
    Depending on your needs and goals, an allU.S. Credit Union Individual Retirement Account (IRA) may be the right retirement investment option for you. IRAs may provide tax advantages for employed individuals regardless of income level. Consult your tax advisor.
    • Start saving retirement for as little as $1,000
    • Secure, fixed-rate CD
    • One time Contribution requirement
    • Terms from three months to five years
  • IRA Savings
    • Start saving retirement for as little as $5
    • No mimimum Contribution
    • No minimum term

Compare CD Rates

allU.S. Credit Union offers flexible, fixed-rate, secure CDs to help you reach your short or long term savings goals. Compare the features to find the product that is best for you.

Traditional CD
Recommended For Members Who Want A high rate, secure  savings option Secure retirement savings with a fixed rate
Account Fees No No
Insured by the NCUA up to $250,000 Yes Yes
Minimum Deposit $1,000 $1,000
CD Terms 3 months - 5 years 3 months - 5 years
Deposits Can be Made Before Maturity No No
Withdrawals Allowed Before Maturity Without Penalty No No
Early Withdrawal Penalties Apply Yes Yes
90% of Balance Can Be Used Loan Collateral Yes No
Interest Accrued Daily, Paid Monthly Yes Yes
Withdrawal Penalties Yes Yes
Transferable Earnings to a Checking or Saving Account Yes Yes
Auto-Renewal At Maturity Yes Yes
Free Online Banking with Secure Messaging Yes Yes

Share and IRA Certificate Rates

Term Minimum Deposit Dividend Rate Annual Percentage
Yield (APY)More Info
3 to 5 months $1,000 0.200% 0.200%
6 to 11 months $1,000 0.200% 0.200%
12 to 23 months $1,000 0.350% 0.351%
24 months + $1,000 0.450% 0.451%


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 Kasasa Saver®
Opening Balance Requirement $25 $25 $0 $2,500 $25
Minimum Balance Requirement $25 $25 $0 $2,500 $0
Monthly Service Fees $0 $0 $0 $0 $0
Accepts Direct Deposit Yes Yes Yes Yes Yes
Earns Interest Yes Yes Yes Yes Yes
Minimum Balance Fee Yes No No Yes No
Transfer Limitations Yes Yes Yes Yes Yes
Withdrawal Limitations Yes Yes Yes Yes Yes
24/7/365 Call Center Yes Yes Yes Yes Yes
Online Banking Yes Yes Yes Yes Yes
Automated Telephone Banking Yes Yes Yes Yes Yes
Conduct Transactions Via Mail/Fax Yes Yes Yes Yes Yes
Secure Messaging Through Online Banking Yes Yes Yes Yes Yes
Conduct Deposits & Withdrawals At Shared Branching Locations Yes Yes Yes Yes Yes
Use CO-OP Network ATMs For Surcharge - Free Withdrawals Yes Yes N/A Yes Yes
ACH transactions allowed No No No No No

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


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.

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.

"Interest" referenced in the context of this page refers to "dividends."

Minor accounts available for holders under age 16.

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


To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.