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Savings, CDs & IRAs

Exceptional rates for all your savings goals

Open an Account

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Exceptional rates for
all your savings goals

Open an account and start saving with AAA

Call 855.999.BANK for assistance
or to open an account

Term	Interest Rate	APY*
6 MONTH	4.16%	4.25%
9 MONTH	4.26%	4.35%
12 MONTH	4.21%	4.30%
18 MONTH	4.07%	4.15%
24 MONTH	3.44%	3.50%
36 MONTH	2.86%	2.90%
48 MONTH	2.86%	2.90%
60 MONTH	2.86%	2.90%

explore the benefits

Accounts offered by AAA

High-Yield Savings

Earn 2.50% APY*
$100 minimum balance to avoid fees
$100 minimum opening deposit

Open a High-Yield Account

Certificates of Deposit

6 Month CD at 4.25% APY***
9 Month CD at 4.35% APY***
No monthly maintenance fees to worry about
View additional terms and rates

Open a CD Account

Money Market

Earn up to 2.50% APY**
Get easy access to your funds, anytime
$100 minimum opening deposit

Open a Money Market Account

IRA Savings & IRA CDs

18 Month IRA CD at 4.15% APY***
12 Month IRA CD at 4.30% APY***
$25 minimum opening deposit for Savings

Open an IRA Account

Personal Checking

$25 opening deposit—that’s it
Enjoy access to over 55,000 surcharge free ATMs worldwide

Open a Checking Account

Personal Savings

No minimum balance and no monthly fees
$25 minimum opening deposit
Meet your savings goals with an auto transfer from your AAA checking account

Open a Personal Savings Account

What's the Difference

Not sure which savings account is right for you? Just want some more details? We’re here to help. Check out how these accounts stack up against each other with our Savings and CDs Comparison Chart.

Compare Savings & CDs

*Annual Percentage Yield (APY) is valid as of 11/26/2024. Personal accounts only. Interest rates may change at any time without prior notice. $100 minimum balance to open and avoid fees. 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. $500,000 maximum balance. Auto Club Trust, FSB.

**Annual Percentage Yield (APY) is valid as of 11/26/2024. Personal accounts only. Interest rates may change at any time without prior notice. APY represents highest tiered interest rate available for account. View our interest rate table page for applicable rate tiers by product. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.

***Annual Percentage Yield (APY) is accurate as of 2/26/2025. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Personal accounts only. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.

^‡Offer valid through 4/30/2025. Offer valid for Classic/Basic Memberships only. Pricing valid at member join only. Offer excludes Motorcycle coverage. Payment of full AAA Membership dues is required upon renewal. Offers, terms, conditions and restrictions apply and are subject to change without notice. Not combinable with any other offer. Offer not valid in FL, GA, MI or PR. A member can add one eligible family member for free for up to one year. Additional Associates are half price. Associate memberships are available to the Primary member’s spouse, one other adult living in the household, and their children living at the same residence or away at school. Associate members must have the same type of membership as their Primary member, with the exception of Motorcycle. Associate membership expires on the renewal date of Primary member.

Upon activation and with proper identification, AAA will provide regular AAA services and full privileges for the new member. Roadside benefits begin three days after payment of dues. Some restrictions apply. Roadside assistance is provided by independent facilities contracted by AAA. Coverage in taxis, limousines and other ride-sharing conveyances is excluded. Visit AAA.com/MemberHandbook for details about member benefits, including any limitations or restrictions. Offers, terms, conditions and policies are subject to change without notice. Savings partners subject to change. Source: 2023 AAA U.S. Market Track national surveys. Includes service vehicles owned by clubs and service vehicles owned by third parties under contract with AAA to provide services to AAA members. Taxes, fees & options excluded. Terms apply. Partners and offers are subject to change and restrictions apply. For a complete list of offers, visit us online at AAA.com/Save or your local AAA office.