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View Current Rates

How much can you earn from your deposits? How much will it cost to take out a loan? Stay up-to-date on the latest rates.

Checking

Earn 2.50% APY on your average Loyalty Checking balance up to $10,000, and .05% APY on balances $10,000 and up!

Minimum Balance
APR
APY
Up to $10,000*
2.50%
2.53%
$10,000+
0.05%
0.05%
Minimum requirements not met
0.01%
0.01%

*Compounded monthly. Rates accurate as of 03/01/2023.
*Qualifying for an AGCU LoyaltyPlus Checking: 1) Make at least 12 AGCU debit card purchases during the month 2) At least one automatic deposit every month 3) Enroll in e-Statements

APY = Annual Percentage Yield
Rates subject to change

Savings Accounts
APR
APY
Primary Savings
0.10%
0.10%
Individual Retirement Account (IRA)
1.00%
1.00%
Sub-Savings
0.10%
0.10%
Health Savings Account (HSA)
2.00%
2.02%
Youth Savings Account (Ages 13-18)
0.10%
0.10%
Kirby Kangaroo Kids Savings (Ages birth – 12)
0.10%
0.10%
Term
APR
APY
7 month
5.15%
5.27%

If automatic renewal is selected, 7-month certificate of deposit will renew at a 6-month term and interest rate in effect at that time. Minimum Deposit $1,000. Certificate dividends are paid monthly. Rates are accurate as of 3/4/2024. Limited-time rate and terms begin on 12/21/2024. AGCU reserves the right to change rates at any time. For additional terms of agreement, refer to AGCU Credit Union Membership Agreement and Truth in Savings Disclosure or call 866-508-AGCU (2428). Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Term
APR
APY
13 month
4.79%
4.90%

APY=Annual Percentage Yield. Annual Percentage Rate 4.79%. If automatic renewal is selected, 13-month certificate of deposit will renew at a 12-month term and interest rate in effect at that time. Rates accurate as of 02/07/2024 and are subject to change without notice. Penalty may apply for early withdrawal. $10,000.00 Minimum deposit. New money only. New money is money that is not presently on deposit at AGCU. Existing AGCU Members: New money is defined as deposits posted to your AGCU account within the past 30 days. AGCU reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money.

Term
APR
APY
6 month
1.00%
1.00%
12 month
3.01%
3.05%
18 month
2.10%
2.12%
24 month
3.75%
3.82%
36 month
3.75%
3.82%
48 month
3.75%
3.82%
60 month
3.75%
3.82%

CD *Minimum Deposit $1,000. Certificate dividends paid monthly. Rates accurate as of 2/8/2024.
APR = Annual Percentage Rate
APY = Annual Percentage Yield
Penalty may apply for early withdrawal. Rates subject to change.

Money Market Account

Minimum Balance
APR
APY
$2,500+
0.25%
0.25%

**Compounded monthly. Rates accurate as of 09/25/2023.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates subject to change

Premier Money Market Account

Minimum Balance
APR
APY
$50,000-$74,999
3.50%
3.56%
$75,000-$99,999
3.75%
3.82%
$100,000 +
4.00%
4.07%

**Compounded monthly. Rates accurate as of 09/25/2023.
APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates subject to change