Banking

Certificates of Deposit

*Annual Percentage Yield (APY) is accurate as of 9/27/2024. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. 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.

Online and mobile convenience makes it
easy to manage your account anywhere

Open a CD easily online and start earning interest today

Call 855.999.BANK for assistance
or to open an account

Is a Certificate of Deposit right for me?

For customers looking for a safe, long-term investment option, a CD is perfect for saving funds for future purchases. When you bank with AAA, you can choose from a variety of CD terms and rates – generally the longer the term, the higher the rate.

A CD is a safe investment.** Rest assured knowing your money is safe – funds are insured by the Federal Deposit Insurance Corporation up to $250,000 per depositor.
With a CD, you’ll enjoy greater earnings than with a conventional checking or savings account. Earn higher interest, allowing you to accumulate funds for a future home or car purchase, college tuition costs and much more.

Competitive Rates

Open your account with a $1,500 minimum opening deposit.
Pay zero maintenance fees every month.

"Great rates,
zero hassle,
and I can bank
anywhere.
I love it."

Anne B. | Ames, IA

Term	Interest Rate	APY*

6 MONTH	4.40%	4.50%
9 MONTH	4.26%	4.35%
12 MONTH	4.11%	4.20%
18 MONTH	3.92%	4.00%
24 MONTH	3.68%	3.75%
36 MONTH	2.86%	2.90%
48 MONTH	2.86%	2.90%
60 MONTH	2.86%	2.90%

More rates available. Call for details.

Convenience

Enjoy options for automatic renewal at maturity.
Check your account anywhere when you visit AAABanking.com from your mobile device or download AAA Mobile app.

Security

Funds are FDIC insured for your protection (up to applicable limits).
Monitor and protect your credit with ProtectMyID, available for purchase or included with your AAA Membership.

FAQs

How much do I need to open a CD?
The minimum opening deposit for a CD is $1,500.

What is the interest rate for this account?
Our interest rates are variable and do change periodically. View our interest rate chart or if you’d like to confirm rates before opening an account, call us at 855.999.BANK (2265).

How is interest calculated on my CD?
The interest for our CD’s is earned daily and credited to your account monthly or at maturity.

SEE ALL CD FAQS

*Annual Percentage Yield (APY) is accurate as of 11/04/2024. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. 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.

** See FDIC Website for National Average. If rate not listed national average is not available.