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discounts

Exceptional rates for
all your savings goals

account

Open an account and start saving with AAA

security

Call 855.999.BANK for assistance
or to open an account

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What's the Difference

Not sure which savings account is right for you? Just want some more details? We’re here to help. Check out how these accounts stack up against each other with our Savings and CDs Comparison Chart.


Certificates of Deposit FAQ

The minimum opening deposit for a CD is $1,500.

Our interest rates are variable and do change periodically. View our interest rate chart or if you’d like to confirm rates before opening an account, call us at 855.999.BANK (2265).

The interest for our CD’s is earned daily and credited to your account monthly or at maturity.

Find out on the Facts and Fees page for our CDs.

It’s good to have a few things handy so you can open your CD easily and quickly.

 

  • Your Social Security Number or Individual Tax Identification Number (ITIN)
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
  • A U.S. checking or savings account to fund your new account
  • An active email address

High-Yield Savings Account

The minimum opening deposit for a High-Yield Savings Account is $100.

You can earn up to 2.50% APY* with a High-Yield Savings Account.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at  855.999.BANK (2265).

Find out on the Facts and Fees page for our High-Yield Savings Account.

It’s good to have a few things handy so you can open your High-Yield Savings Account easily and quickly.

  • Your Social Security Number or Individual Tax Identification Number (ITIN)
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
  • A U.S. checking or savings account to fund your new account
  • An active email address

You can add money a few ways:

  • Transfer money between your different AAA accounts
  • Transfer money between your AAA account and your non-AAA banking accounts
  • Use our mobile app to deposit checks
  • Set up direct deposit for your paychecks
  • Add money via wire transfer

Our routing number is 072471968.

Debit Cards FAQ

Yes. You’ll get a AAA ATM card when you open a High-Yield Savings Account.

You can use the AAA ATM card a few different ways:

  • Make cash withdrawals from your checking or savings account from ATMs.
  • Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Yes. The daily limit for ATM withdrawals is $800.

 

IRA Account FAQ

The minimum opening deposit for an IRA CD is $1500.

The minimum opening deposit for an IRA Savings is $25.

The interest for our IRA CDs is earned daily and credited to your account annually and at maturity.

The interest for our Savings IRA is accured compounded daily and posted to your IRA monthly.

Find out on the Facts and Fees page for our IRA Accounts.

Money Market Account FAQ

The minimum opening deposit for a Money Market Account is $100.

Our Money Market Account has tiered interest rates, and you can earn up to 2.50% APY* when you maintain a $1,500 balance each month.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at 855.999.BANK (2265).

Find out on the Facts and Fees page for our Money Market Account.

It’s good to have a few things handy so you can open your Money Market Account easily and quickly.

  • Your Social Security Number or Individual Tax Identification Number (ITIN)
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
  • A U.S. checking or savings account to fund your new account
  • An active email address

You can add money a few ways:

  • Transfer money between your different AAA accounts
  • Transfer money between your AAA account and your non-AAA banking accounts
  • Use our mobile app to deposit checks
  • Set up direct deposit for your paychecks
  • Add money via wire transfer

Our routing number is 072471968.

Yes. You’ll get a AAA ATM card when you open a Money Market Account.

You can use the AAA ATM card a few different ways:

  • Make cash withdrawals from your checking or savings account from ATMs.
  • Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Yes. The daily limit for ATM withdrawals is $800.

Make your first check order by calling us at 855.999.2265. Any check orders thereafter can be made easily online through ordermychecks.com

Personal Savings Account FAQ

The minimum opening deposit for a Personal Savings Account is $25.

The interest rate is tiered and you can earn up to .40% APY*.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at 855.999.BANK (2265).

Find out on the Facts and Fees page for our Personal Savings Account.

 

It’s good to have a few things handy so you can open your Personal Savings Account easily and quickly.

  • Your Social Security Number or Individual Tax Identification Number (ITIN)
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
  • A U.S. checking or savings account to fund your new account
  • An active email address

You can add money a few ways:

  • Transfer money between your different AAA accounts
  • Transfer money between your AAA account and your non-AAA banking accounts
  • Use our mobile app to deposit checks
  • Set up direct deposit for your paychecks
  • Add money via wire transfer

Our routing number is 072471968.

 

Yes. You’ll get a AAA ATM card when you open a High-Yield Savings Account.

 

You can use the AAA ATM card a few different ways:

  • Make cash withdrawals from your checking or savings account from ATMs.
  • Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Yes. The daily limit for ATM withdrawals is $800.

 

Others FAQ

By banking through AAA, your account is safe—it’s our top priority. We use state-of-the-art technology to ensure the safety of your account information 24/7.

Yes. Our bank is FDIC insured under our legal name, Auto Club Trust, FSB.

Being a AAA member is not required to open an account with us. If you are not a AAA member but would like to become one, please call 800-AAA-6424.

*Annual Percentage Yield (APY) is valid as of 11/26/2024. Personal accounts only. Interest rates may change at any time without prior notice. $100 minimum balance to open and avoid fees. Fees could reduce earnings on the account. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.

**Annual Percentage Yield (APY) is valid as of 11/26/2024. Personal accounts only. Interest rates may change at any time without prior notice. APY represents highest tiered interest rate available for account. View our interest rate table page for applicable rate tiers by product.  $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.

***Annual Percentage Yield (APY) is accurate as of 1/31/2025. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Personal accounts only. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.