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
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
Savings Rates
Rates accurate as of last dividend date.
| Product2 | APY¹ |
|---|---|
| Primary Savings | % |
| Secondary Savings | % |
¹APY = Annual Percentage Yield. APY is accurate as of last dividend declaration date.
2Dividends are paid and compounded quarterly on all savings accounts. Rate may change after the account is opened. 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
APY is accurate as of last dividend declaration date.
| Product2 | APY1 |
|---|---|
| Money Market | |
| $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 the last dividend declaration date.
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 last dividend declaration date.
| Product2 | APY¹ |
|---|---|
| IRA Savings | % |
¹APY = Annual Percentage Yield. APY is accurate as of last dividend declaration date.
2Dividends are paid and compounded quarterly on all savings accounts. Rate may change after the account is opened. 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.
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