Personal Savings Rates

A Personal Savings Account includes the convenience of online banking and can tie to your AAA Checking Account for instant overdraft protection. The simplicity of this account also makes it a great “starter account” for young children as a way to introduce them to the concept of saving.

Open your account with as little as $25.
Enjoy zero minimum balance requirements.

Minimum Balance	APY*
$0 - $1,499.99	0.05%
$1,500 - $4,999.99	0.12%
$5,000 - $14,999.99	0.16%
$15,000 - $39,999.99	0.25%
$40,000 and above	0.40%

Personal Savings Facts & Fees

Facts	Fee
Monthly Service Fee Some accounts require a monthly fee–not this one.	$0
ATM Withdrawal Fee The fee charged when using a non-AAA ATM	$3.50

Overdraft Fees
Overdraft Item/Non-Sufficient Funds Fee We’ll charge this to you if we pay for a transaction that you made but couldn’t pay for due to insufficient funds	$35
Return Item Fee A return item fee is charged when we must return a transaction you’ve made (i.e a check you’ve written from an account with insufficient funds)	$35

Account Services
Cashier’s Check Fee (customers only) A check that’s guaranteed by our bank	$25.00
Rush Order for Debit or ATM Card If you need a new Debit or ATM Card rush ordered	$15.00
Non-AAA ATM Usage	$3.50 per transaction
Foreign Currency Conversion	2%*

Wire Transfers Another way to send money from one account to another
Wire Transfer Fee (incoming, domestic)	$0.00
Wire Transfer Fee (outgoing, domestic)	$25.00
Wire Transfer Fee (incoming, international)	$0.00
Wire Transfer Fee (outgoing, international)	$35.00

*Annual Percentage Yield (APY) is valid as of 3/1/2022. Personal accounts only. This is a variable rate account. Interest may change at any time without prior notice. APY represents highest tiered interest rate available for account. $25 minimum balance to open. No monthly fees. Other 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. View our interest rate table page for applicable rate tiers by product. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.

**We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States, or an internet purchase from a foreign merchant. This fee applies regardless of whether the transaction occurs in U.S. Dollars.