No monthly service charge or monthly balance requirement to worry about

Only $25 deposit required to open this account

Call 855.999.BANK for assistance
or to open an account

Is a Personal Savings Account right for me?

A Personal Savings Account through AAA includes the convenience of online banking and can tie to your AAA Checking Account for instant overdraft protection. The simplicity of this account also makes it a great “starter account” for young children as a way to introduce them to the concept of saving.

Competitive Rates

  • Open your account with as little as $25.
  • Enjoy zero minimum balance requirements.
Minimum Balance        APY*
$0 - $1,499.99 0.05%
$1,500 - $4,999.99 0.12%
$5,000 - $14,999.99 0.16%
$15,000 - $39,999.99 0.25%
$40,000 and above 0.40%

"Thanks to AAA,
I know my
finances and my
future are

Anne C. | Omaha, NE


  • Deposit your money with direct deposit, online and mobile transfers, postage-paid envelopes or via wire transfers.
  • Use mobile banking to check your balance, deposit checks and transfer funds on the go.
  • Never worry about monthly service charges.
  • Enjoy the convenience of a personalized AAA ATM Card.
  • For ease and convenience, you can make cash deposits 24 hours a day, 7 days a week at select Allpoint ATMs. Locate the nearest Allpoint ATM accepting your cash deposit today.


  • 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.


How much do I need to open this account?
The minimum opening deposit for a Personal Savings Account is $25.

What is the interest rate for this account?
The interest rate is tiered and you can earn up to 0.40% APY*.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at 855.999.BANK (2265).

What kinds of fees are associated with this account?
Find out on the Facts and Fees page for our Personal Savings Account.

Retrieve A Saved Application

To complete your saved application, click here and click on “Retrieve A Saved Application”. Please have the following information ready:

  • Application Number
  • First and Last Name
  • Email Address
  • Date of Birth
  • Social Security Number
  • Primary Phone Number (International: Include + followed by country code)

Not sure how to open an account online? We can walk you through it. Just give us a call (855.999.2265) or email one of our customer service representatives today at

*Annual Percentage Yield (APY) is valid as of 3/1/2022. Personal accounts only. This is a variable rate account. Interest may change at any time without prior notice. APY represents highest tiered interest rate available for account. $25 minimum balance to open. No monthly fees. Other 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. View our interest rate table page for applicable rate tiers by product. Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.