Build a Stronger Financial Foundation

Whether you're saving for a rainy day, future education expenses, health care or anything else, Advantage One's savings account options put you in control. 

Primary Savings

  • Open this account to establish an AOCU membership

  • Earn dividends with a $50 minimum average daily balance

  • Enjoy special member discounts

  • Manage your account online

Money Market

  • Higher rates than traditional savings

  • Tiered dividend rates

  • Four withdrawals a month

  • Unlimited deposits

IRA Savings

  • Manage your long-term savings for retirement

  • Open with a minimum of $25

  • Earn dividends with $50 minimum average daily balance

  • Start early to allow your savings to grow

Health Savings Account (HSA) 

  • Save for medical expenses not covered by your insurance 

  • Open an HSA if you have a High-Deductible Health Plan (HDHP)

  • Easy access to money when you need it 

  • Funds you don't use get rolled over every year 

Coverdell Savings Account 

  • Start saving for the costs of higher education 

  • Ideal for parents and grandparents 

  • Use the funds for qualified education expenses

  • Money is available once students turn 18

Show Second Card Row (Edit-mode Only) Max 2 Rows | Max 3 cards per Row

This visibility toggle has no effect on live site

If any content is on any card in second row, it will show on live site

Savings Account Details

Primary Savings

Ready to join Advantage One for a better experience? This account gets the ball rolling. Once you open it, you can apply for all the loans, mortgages, checking, and savings accounts we offer. Plus, take advantage of our services, resources, and special member discounts. This account offers a competitive rate and allows you to manage your account easily through our digital banking services. 

  • Open with a $5 minimum deposit and start earning dividends with a $50 minimum average daily balance 

  • Open multiple savings accounts to help you reach specific goals or create an emergency fund 

  • You're eligible for a free annual credit review 

  • Includes AD&D Insurance at no cost to you

  • Federally Insured by the NCUA

 

Savings Rates

Rates accurate as of

Savings Rates
Product APY¹
Primary Savings2 %
Secondary Savings2 %

¹APY = Annual Percentage Yield

2Dividends are paid and compounded quarterly on all savings accounts. Rate may change after the account is opened. APY is accurate as of last dividend declaration date. Fees may reduce earnings. Must maintain a minimum average daily balance of $50.00 in your share savings account to obtain the disclosed annual percentage yield.

 

Money Market

Saving up for something special? No doubt you want to reach your goals as fast as possible. A Money Market² offers higher rates than most traditional savings accounts without tying your funds up for months or years at a time. This is an attractive option for members looking for stability while earning a competitive return.

  • Minimum balance of $1,500

  • Four withdrawals are permitted per calendar month

  • Grow your balance with an unlimited number of deposits

  • Easy access to funds through Online Banking, ATMs, and at Advantage One branches

  • Tiered dividend rates mean that bigger balances can earn higher returns

  • Dividends are computed daily, paid, and compounded monthly

 

Money Market Rates

Rates accurate as of

Money Market Account
Product APY1
Money Market2
$1,500 - $24,999.99 %
$25,000 - $49,999.99 %
$50,000 - $74,999.99 %
$75,000 - $99,999.99 %
$100,000 + %

1APY = Annual Percentage Yield. APY is accurate as of date above.

2Dividends are paid and compounded monthly. Must maintain a minimum balance of $1,500 to obtain the disclosed annual percentage yield. Withdrawals limited to four per calendar month. Withdrawals in excess of four per month will be charged a $25.00 excess withdrawal fee. No withdrawal minimum. Fees may reduce earnings.

 

IRA Savings

Saving for your future retirement is possible with Advantage One. Earn dividends on your hard-earned money and save on your terms with our IRA Savings accounts. IRA Savings make a nice addition to your retirement portfolio, offering both predictable returns and potential tax advantages (please consult a tax advisor for additional tax information).

  • Choose from Traditional or Roth IRA Savings

  • Manage your long-term savings at a budget level

  • Minimum deposit of $25 with flexible contribution amounts

  • Dividends are paid and compounded quarterly with an average daily balance of $50 or more

  • Traditional IRAs may offer an annual tax deduction

  • With Roth IRAs, investments grow tax-free, and withdrawals are tax-free

  • Learn more about IRAs with our FAQs

  • Open and manage your IRA Online

 

IRA Rates

Rates accurate as of

Savings Rates
Product APY¹
IRA Savings2 %

¹APY = Annual Percentage Yield

2Dividends are paid and compounded quarterly on all savings accounts. Rate may change after the account is opened. APY is accurate as of last dividend declaration date. Fees may reduce earnings. Must maintain a minimum average daily balance of $50.00 in your share savings account to obtain the disclosed annual percentage yield.

 

Health Savings Account (HSA)

When dealing with a health issue, worrying about how to pay for medical care can compound the problem. An HSA allows you to build up savings to be used specifically for medical expenses your health insurance doesn't cover. You're eligible to open an HSA if you're currently enrolled in a High-Deductible Health Plan (HDHP). It can be an antidote for the continually rising costs of health care. 

  • Easy access to funds for qualifying healthcare expenses 

  • Unused funds roll over every year, so you never lose what you've built up

  • Keep growing your account with direct deposit from your paycheck and easy online transfers

  • Our knowledgeable Financial Services Partners are here to explain all the details and advantages of an HSA 

 

Health Savings Account Rates

Rates accurate as of

Savings Rates
Product APY¹
Health Savings Account2
$100 - $999.99 %
$1,000 - 4,999.99 %
$5,000 - $9,999.99 %
$10,000+ %

¹APY = Annual Percentage Yield

2Dividends are paid and compounded quarterly on all health savings accounts. Minimum starting balance of $50.00. Must maintain a minimum average daily balance of $100.00 in your health savings account to obtain the disclosed annual percentage yield. Rate may change after the account is opened. Fees may reduce earnings

 

Coverdell Savings Account

With the cost of education ever-increasing, you can get ahead of the curve for your child or grandchild by opening a Coverdell Savings Account. Use the funds to cover qualified expenses for any grade level from elementary school to college. 

  • Open the account before your child/grandchild is 18 years old (the account can be opened at any time for a special needs beneficiary) 

  • Grow the savings with regular transfers and deposits of any amount

  • Make sure your child/grandchild is enrolled in an eligible educational institution to use these funds

  • Our knowledgeable Financial Services Partners will walk you through all the details in one of our convenient branch locations 

 

Coverdell Education Savings Rates

Rates accurate as of

Savings Rates
Product APY¹
Coverdell Education Savings2 %

¹APY = Annual Percentage Yield

²Dividends are paid and compounded quarterly on Coverdell Educational Savings account. Minimum starting balance of $25.00. Must maintain a minimum average daily balance of $50.00 in your Coverdell Educational Savings account to obtain the disclosed annual percentage yield. IRS contribution and withdrawal limitations apply. Rate may change after the account is opened. Fees may reduce earnings.