DEPOSIT RATES
| ACCOUNT TYPE | COMPOUND FREQ. | APR* | EFFECTIVE |
|---|---|---|---|
| Savings (share) & Sub Savings | Quarterly | 1.35% | 10-01-2024 |
| Checking (share draft) | Monthly | 0.15% | 06-29-2024 |
| Kids' Account (up to $500) | Quarterly | 5.00% | 06-29-2024 |
| Teen Account (up to $1,000) | Quarterly | 2.50% | 06-29-2024 |
| Holiday Club | Yearly | 1.35% | 10-31-2024 |
All Savings (share) account dividends are based on the Credit Union’s earnings at the end of the dividend period and cannot be declared in advance. All dividends are calculated using the average daily balance method. Any deposits or withdrawals will affect the APY** of your account.
SAVINGS (SHARE) ACCOUNT
$25 opens your AAEC savings (share) account and offers:
- No minimum monthly balance
- No monthly fee
- Savings (share) deposit rates
- Dividends paid quarterly
- Remote check deposit
- ATM card with access to over 80,000 fee-free ATMs
- Unlimited free pin-based transactions
- Personalize your debit card pin by calling (866) 985-2273
- AAEC Anywhere (online banking) – account & loan balances, account alerts, account statements, request check withdrawals, and freeze stolen/lost cards
- AAEC Mobile App – search “AAEC” in your app store and use your AAEC Anywhere (online banking) username and password to log in
- Account insured up to $250,000 by NCUA (National Credit Union Administration)
To open a Savings account, fill out a membership form & bring it to AAEC along with your ID, and $25
CHECKING (SHARE DRAFT) ACCOUNT
No minimum balance required and no monthly service fee plus:
- AAEC savings account is required in order to add a checking account
- No minimum monthly balance required
- No monthly fee
- Checking (share draft) deposit rates apply & dividends are paid monthly
- Remote check deposit
- Online bill pay
- Debit card with access to over 80,000 fee-free ATMs
- Unlimited free pin & signature based transactions
- Personalize your debit card pin by calling (866) 985-2273
- Overdraft protection from main savings account
- Free pack of checks with new checking account
- Order additional checks
- AAEC Anywhere (online banking) – account & loan balances, account alerts, account statements, request check withdrawals, and freeze stolen/lost cards
- AAEC Mobile App – search “AAEC” in your app store and use your AAEC Anywhere (online banking) username and password to log in
- Account insured up to $250,000 through the NCUA (National Credit Union Administration)
Call us to open a Checking account
ATM/DEBIT CARD
ATM card:
- Fee-free ATMs
- Unlimited free pin-based transactions
- Personalize your debit card pin by calling (866) 985-2273
- Apply for ATM card (all account owners must sign off on application even if not receiving a card)
DEBIT card:
- Fee-free ATMs
- Use anywhere VISA is accepted
- More secure than carrying cash
- Unlimited free pin & signature based transactions
- Personalize your debit card pin by calling (866) 985-2273
- Apply for Debit card (all account owners must sign off on application even if not receiving a card)
FEE-FREE ATMs
KIDS' CLUB ACCOUNT
For kids 12 and under:
- No minimum balance
- $25 deposit to open account
- No monthly fee
- 5.0% APR* on all balances up to $500
- Dividends paid quarterly
- Parent or guardian must be joint owner
- Additional joint owners can also be added
- Sub savings accounts can be requested to save for a specific goal
- Remote check deposit
- ATM card with access to over 80,000 fee-free ATMs
- Personalize your debit card pin by calling (866) 985-2273
- AAEC Anywhere (online banking) – account balances, account alerts, account statements, request check withdrawals, and freeze stolen/lost cards
- AAEC Mobile App – search “AAEC” in your app store and use your AAEC Anywhere (online banking) username and password to log in
- Members turning 13 will be transitioned out of the Kids’ Club account and into the Teen account after their 13th birthday
- Account insured up to $250,000 through the NCUA (National Credit Union Administration)
Call us to open a Kids’ Club account
TEEN ACCOUNT
For teens aged 13-18:
- No minimum balance
- $25 deposit to open account
- No monthly fee
- 2.5% APR* on all balances up to $1,000
- Dividends paid quarterly
- Parent or guardian must be joint owner if under 18
- Additional joint owners can be added
- Sub savings accounts can be requested to save for a specific goal
- Free checking account available with no minimum balance required and free pack of checks with new account
- ATM or debit card with access to over 80,000 fee-free ATMs
- Personalize your debit card pin by calling (866) 985-2273
- AAEC Anywhere (online banking) – account & loan balances, account alerts, account statements, request check withdrawals, and freeze stolen/lost cards
- AAEC Mobile App – search “AAEC” in your app store and use your AAEC Anywhere (online banking) username and password to log in
- Members turning 19 will be transitioned out of the Teen account into a regular savings account after their 19th birthday
- Account insured up to $250,000 through the NCUA (National Credit Union Administration)
Call us to open a Teen account
HOLIDAY CLUB ACCOUNT
Save a little extra for the holiday season:
- Add to the account as often as you wish
- Holiday Club funds will be transferred to your checking account the first week of November or mailed to you if you don’t have a checking account
- Dividends paid annually on October 31st
- AAEC Anywhere & AAEC Mobile app access
- Accounts insured up to $250,000 through the NCUA (National Credit Union Administration)
Call us to add a Holiday Club account
SUB SAVINGS ACCOUNT
Add multiple sub savings accounts to your current AAEC account to help save for a specific goal:
- No minimum balance required
- Dividends paid quarterly
- Deposit and withdrawal from account at any time
- AAEC Anywhere & AAEC Mobile app access
- Accounts insured up to $250,000 through the NCUA (National Credit Union Administration)
Call us to add additional Sub Savings accounts
ONLINE BANKING ACCESS
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