Savings Accounts
Savings for all your plans.
What are you saving for?
Everyone saves for something different. Alltrust savings accounts can help you organize your money, earn dividends when available, and build steady progress toward short-term and long-term goals.
Save for a home.
Save for a vehicle.
Save for a vacation.
Save for a wedding.
Save for education.
Build an emergency fund.
Explore our savings accounts.
Kasasa Saver®
Super Savings. Link this free account to your Kasasa® checking — and build savings automatically while earning high interest.
Regular Savings
Start small. Go far. Hit the ground running with a savings account that pays competitive dividends and requires a minimum balance of just $5.00.
Savings Supreme
A savings account that reigns supreme. Meet your big savings goals faster with tiered dividend rates that rise as your balance rises.
Features |
Kasasa Saver® |
Regular Savings |
Savings Supreme |
|---|---|---|---|
| Best For | Members with qualifying Kasasa checking | Everyday savings | Higher balances |
| Primary Benefit | Higher APY** potential with automatic savings | Simple savings with a low minimum balance1 | Tiered dividends2 that rise with your balance |
| Dividend / APY Type | Reward-based APY | Competitive dividends | Tiered dividends |
| Minimum Opening Deposit | $25 | $5 | $5,000 |
| Monthly Service Fee | None | None | None |
| Minimum Balance to Earn Dividends | Nona | $5 | $5,000 |
| Higher Rate Qualifications | Qualifying Kasasa checking activity required** | No special qualifications | No special qualifications |
| Linked Checking Required |
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| Automatic Transfers Available |
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| Online & Mobile Banking |
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| Best for Emergency Savings |
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| Best for Higher Balances |
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| Best For Members with qualifying Kasasa checking |
| Primary Benefit Higher APY** potential with automatic savings |
| Dividend / APY Type Reward-based APY |
| Minimum Opening Deposit $25 |
| Monthly Service Fee None |
| Minimum Balance to Earn Dividends Nona |
| Higher Rate Qualifications Qualifying Kasasa checking activity required** |
| Linked Checking Required |
| Automatic Transfers Available |
| Online & Mobile Banking |
| Best for Emergency Savings |
| Best for Higher Balances |
| Best For Everyday savings |
| Primary Benefit Simple savings with a low minimum balance1 |
| Dividend / APY Type Competitive dividends |
| Minimum Opening Deposit $5 |
| Monthly Service Fee None |
| Minimum Balance to Earn Dividends $5 |
| Higher Rate Qualifications No special qualifications |
| Linked Checking Required |
| Automatic Transfers Available |
| Online & Mobile Banking |
| Best for Emergency Savings |
| Best for Higher Balances |
| Best For Higher balances |
| Primary Benefit Tiered dividends2 that rise with your balance |
| Dividend / APY Type Tiered dividends |
| Minimum Opening Deposit $5,000 |
| Monthly Service Fee None |
| Minimum Balance to Earn Dividends $5,000 |
| Higher Rate Qualifications No special qualifications |
| Linked Checking Required |
| Automatic Transfers Available |
| Online & Mobile Banking |
| Best for Emergency Savings |
| Best for Higher Balances |
Youth Savings
Build good financial habits early.
Help your child or teen prepare for a bright future with a dedicated savings account designed specifically for members aged 17 and younger.
- $5.00 minimum balance.
- Available to members age 17 and younger.
- Pays same dividend as Regular Savings.
- Eligible for the Alltrust Credit Union Annual College Scholarship.
- At age 13, youth members can open a Youth Checking account (with parent or guardian).
- Members with a Youth Savings or a Youth Checking account are eligible to open a 12-Month College Savers Certificate that allows for additional deposits of $25 or more.
Christmas Club
Make the holiday season brighter.
We want you to spend the holidays enjoying the company of your family and friends – not worrying about how to pay for all those presents. With our Christmas Club Account:
- Maintain a minimum balance of just $25.002
- Earn current dividend rate of 0.05% APY.
- Receive your funds on November 1.
- Use free Online Banking and Mobile Banking.
- Pay no monthly service fee.
2 Minimum balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). Transaction limitations apply.
Smart saving pays dividends.
Savings accounts may earn dividends based on the account type, balance, and current rate. Review the minimum balance, dividend rate, and annual percentage yield before opening an account.
| Type | Minimum Balance1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Savings | $5.00 | 0.05% | 0.05% |
| Youth Savings | $5.00 | 0.05% | 0.05% |
| Savings Supreme | $5,000.00 – $9,999.99 | 0.02% | 0.02% |
| $10,000.00 – $24,999.99 | 0.02% | 0.02% | |
| $25,000.00 – $49,999.99 | 0.02% | 0.02% | |
| $50,000.00 – $74,999.99 | 0.05% | 0.05% | |
| $75,000.00 – $99,999.99 | 0.05% | 0.05% | |
| $100,000.00 & Over | 0.05% | 0.05% | |
| Christmas Club | $25.00 | 0.05% | 0.05%2 |
| Kasasa Saver** | $0.00 – $100,000.00 | 3.93% | 4.00% |
| Over $100,000.00 | 0.35% | 0.35% | |
| Qualifications Not Met | 0.02% | 0.02% |
Minimum Balance1
$5.00
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Minimum Balance1
$5.00
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Minimum Balance1
$5,000.00 – $9,999.99
Dividend Rate
0.02%
Annual Percentage Yield
0.02%
Minimum Balance1
$10,000.00 – $24,999.99
Dividend Rate
0.02%
Annual Percentage Yield
0.02%
Minimum Balance1
$25,000.00 – $49,999.99
Dividend Rate
0.02%
Annual Percentage Yield
0.02%
Minimum Balance1
$50,000.00 – $74,999.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Minimum Balance1
$75,000.00 – $99,999.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Minimum Balance1
$100,000.00 & Over
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Minimum Balance1
$25.00
Dividend Rate
0.05%
Annual Percentage Yield
0.05%2
Minimum Balance1
$0.00 – $100,000.00
Dividend Rate
3.93%
Annual Percentage Yield
4.00%
Minimum Balance1
Over $100,000.00
Dividend Rate
0.35%
Annual Percentage Yield
0.35%
Minimum Balance1
Qualifications Not Met
Dividend Rate
0.02%
Annual Percentage Yield
0.02%
Rates effective as of May 29, 2026.
1 Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without notice after the account is opened. Fees could reduce earnings. Dividends compounded monthly, except where noted. Ask an employee for further information about fees and terms applicable to the accounts.
2 Requires a $5.00 Regular Savings. Dividends compounded quarterly. Fees could reduce earnings.
**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, credit transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates. “Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. “Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Contact one of our branch service representatives for specific Statement Cycle dates. Reward Information: When your linked Kasasa Cash or Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $100,000 in your Kasasa Saver account earn an APY of 4.00% and average daily balances over $100,000 earn an APY of 0.35% on the portion of the average daily balance over $100,000 resulting in a range from 4.00% to 0.35% APY depending on the account’s average daily balance. When your linked Kasasa Cash, Kasasa Cash Back or Kasasa Eats account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns an APY of 0.02%. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $100,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Meeting qualifying transactions for Kasasa Cash Back, Kasasa Cash, or Kasasa Eats checking accounts are a condition of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of one account per personal tax identification number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash, Kasasa Cash Back or Kasasa Eats account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Member MSIC. Trademarks: Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Frequently asked questions
APY stands for annual percentage yield. It shows how much an account may earn over one year, including the effect of compounding, based on the stated rate and account terms.
Yes. Many members use multiple savings accounts to separate goals such as emergencies, vacations, vehicles, holidays, or education.
Minimum balance requirements vary depending on the type of account you want or have. Some accounts may require a minimum balance to maintain the account. Please refer to the account details or contact us to find the option that best fits your needs.
To open a new membership, you’ll need a valid form of identification, such as a driver’s license or state-issued ID, or a passport, along with your Social Security number, DOB and current address. You will also be asked to provide your occupation, employer information, and your mother’s maiden name.
Of course! Online account opening can be done in just a few minutes. Visit our website and click on the “Become a Member” box on the top right of the page. Or click this link to get started.
Yes. Automatic transfers can help you build savings consistently by moving money from another account on a schedule you choose.
Let’s grow from here.
Get started by opening an Alltrust Credit Union savings account today.