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Personal Savings & CDs

A savings account, or Primary Share, is your key to all the membership benefits of AGCU. Once you have a savings account, you have access to our many products and services including free checking, LoyaltyPlus High Yield Checking, personal loans, and much more!

How to Start Saving with AGCU

Here are some of the requirements for opening and maintaining your personal savings account:
  • The minimum to open a savings account is $25.
  • A $25 minimum balance is required.
  • 6 withdrawals are allowed per month. This does not include ATM or “in-person” withdrawals.
  • Members must maintain a minimum balance of $100 to earn dividends.
  • Dividends accrue on the average daily balance and are paid quarterly.

Savings Account Options

AGCU offers a range of savings options to help you meet your financial goals.

CO-OP ATM & Shared Branch Networks

Easy access to your savings and checking accounts is an important part of any banking experience.

AGCU’s membership with the CO-OP ATM and Shared Branch Network ensures that our members are able to manage their funds whenever and wherever they need.

In order to serve our members nationwide and in more than 190 countries around the world, you have access to your money at nearly 30,000 surcharge-free ATMs in the United States and Canada and can make deposits to your account at over 9,000 deposit-taking ATMs through the CO-OP ATM Network.

Plus, members also have access to their accounts at over 5,000 Shared Branches nationwide through CO-OP Shared Branches. It’s just like visiting a regular AGCU branch!

National Credit Union Administration

Each account is insured by the National Credit Union Administration (NCUA) to at least $250,000.

Additional coverage of up to $250,000 per depositor for other types of accounts, such as IRAs, is also available.

For more information about your account’s coverage, see the NCUA’s insurance estimator here or contact us. NCUA maintains one of the largest and strongest levels of financial reserves in America and is backed by the full faith and credit of the United States Government.

Get in Touch

Contact AGCU today to open your account! Call us at 866-508-2428 or get in touch with us online to learn more!