Build a Stronger Financial Foundation
Whether you're saving for a rainy day, future education expenses, health care or anything else, Advantage One's savings account options put you in control.
Primary Savings
Open this account to establish an AOCU membership
Earn dividends with a $50 minimum average daily balance
Enjoy special member discounts
Manage your account online
Money Market
Higher rates than traditional savings
Tiered dividend rates
Four withdrawals a month
Unlimited deposits
IRA Savings
Manage your long-term savings for retirement
Open with a minimum of $25
Earn dividends with $50 minimum average daily balance
Start early to allow your savings to grow
Savings Account Details
Primary Savings
Ready to join Advantage One for a better experience? This account gets the ball rolling. Once you open it, you can apply for all the loans, mortgages, checking, and savings accounts we offer. Plus, take advantage of our services, resources, and special member discounts. This account offers a competitive rate and allows you to manage your account easily through our digital banking services.
Open with a $5 minimum deposit and start earning dividends with a $50 minimum average daily balance
Open multiple savings accounts to help you reach specific goals or create an emergency fund
You're eligible for a free annual credit review
Includes AD&D Insurance at no cost to you
Money Market
Saving up for something special? No doubt you want to reach your goals as fast as possible. A Money Market offers higher rates than most traditional savings accounts without tying your funds up for months or years at a time. This is an attractive option for members looking for stability while earning a competitive return.
Minimum balance of $1,500
Four withdrawals are permitted per calendar month
Grow your balance with an unlimited number of deposits
Easy access to funds through Online Banking, ATMs, and at Advantage One branches
Tiered dividend rates mean that bigger balances can earn higher returns
Dividends are computed daily, paid, and compounded monthly
IRA Savings
Saving for your future retirement is possible with Advantage One. Earn dividends on your hard-earned money and save on your terms with our IRA Savings accounts. IRA Savings make a nice addition to your retirement portfolio, offering both predictable returns and potential tax advantages (please consult a tax advisor for additional tax information).
Choose from Traditional or Roth IRA Savings
Manage your long-term savings at a budget level
Minimum deposit of $25 with flexible contribution amounts
Dividends are paid and compounded quarterly with an average daily balance of $50 or more
Traditional IRAs may offer an annual tax deduction
With Roth IRAs, investments grow tax-free, and withdrawals are tax-free
Learn more about IRAs with our FAQs
Open and manage your IRA Online
Health Savings Account (HSA)
When dealing with a health issue, worrying about how to pay for medical care can compound the problem. An HSA allows you to build up savings to be used specifically for medical expenses your health insurance doesn't cover. You're eligible to open an HSA if you're currently enrolled in a High-Deductible Health Plan (HDHP). It can be an antidote for the continually rising costs of health care.
Easy access to funds for qualifying healthcare expenses
Unused funds roll over every year, so you never lose what you've built up
Keep growing your account with direct deposit from your paycheck and easy online transfers
Our knowledgeable Financial Services Partners are here to explain all the details and advantages of an HSA
Coverdell Savings Account
With the cost of education ever-increasing, you can get ahead of the curve for your child or grandchild by opening a Coverdell Savings Account. Use the funds to cover qualified expenses for any grade level from elementary school to college.
Open the account before your child/grandchild is 18 years old (the account can be opened at any time for a special needs beneficiary)
Grow the savings with regular transfers and deposits of any amount
Make sure your child/grandchild is enrolled in an eligible educational institution to use these funds
Our knowledgeable Financial Services Partners will walk you through all the details in one of our convenient branch locations
At these rates, you can save for the future!
Rates accurate as of
| Product | APY¹ |
|---|---|
| Primary Savings | % |
| Secondary Savings | % |
| M3 Money Club (12 and under) | % |
| Elements of Money (13-17) | % |
| IRA Savings | % |
| Coverdell Education Savings2 | % |
| Health Savings Account3 | |
| $100 - $999.99 | % |
| $1,000 - 4,999.99 | % |
| $5,000 - $9,999.99 | % |
| $10,000+ | % |
Disclosures
Dividends are paid and compounded quarterly on all savings accounts. Rate may change after the account is opened. APY is accurate as of last dividend declaration date. Fees may reduce earnings. Must maintain a minimum average daily balance of $50.00 in your share savings account to obtain the disclosed annual percentage yield.
¹APY = Annual Percentage Yield
²Dividends are paid and compounded quarterly on Coverdell Educational Savings account. Minimum starting balance of $25.00. Must maintain a minimum average daily balance of $50.00 in your Coverdell Educational Savings account to obtain the disclosed annual percentage yield. IRS contribution and withdrawal limitations apply. Rate may change after the account is opened. Fees may reduce earnings.
³Dividends are paid and compounded quarterly on all health savings accounts. Minimum starting balance of $50.00. Must maintain a minimum average daily balance of $100.00 in your health savings account to obtain the disclosed annual percentage yield. Rate may change after the account is opened. Fees may reduce earnings
Digital Banking
Take care of financial matters anytime, anywhere.
Home Equity Loans
Make your home work for you!
Vehicle Loans
The road to your next ride starts here.