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Certificates of Deposit

Maximize your returns with flexible terms and guaranteed rates, tailored to meet your financial goals.

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Certificates of Deposit

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

Open a CD

What is a Certificate of Deposit account?

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.

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

Is a Certificate of Deposit right for me?

Competitive Rates

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

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.

CD Rates

Term	Interest Rate	APY**
6 Month	3.92%	4.00%
9 Month	3.92%	4.00%
12 Month	3.92%	4.00%
18 Month	3.68%	3.75%
24 Month	3.44%	3.50%
36 Month	2.86%	2.90%
48 Month	2.86%	2.90%
60 Month	2.86%	2.90%

More rates available. Call for details.

Open a CD

**Annual Percentage Yield (APY) is accurate as of 1/31/2025. 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.

Certificates of Deposit Facts and Fees

Don’t get taken by surprise—explore the facts and fees associated with our CDs.

Facts Early Withdrawal Penalties: If you cash the CD out earlier than the term limit you agreed to, you’ll incur a penalty fee	Fee
CD Term Less than 12 months (3 month CD, 6 month CD, 9 month CD)	90 days simple interest on the amount withdrawn
CD Term 13 - 35 months (13 month CD, 24 month CD, 30 month CD)	180 days simple interest on the amount withdrawn
CD Term 36- 48 months (36 month CD, 48 month CD)	180 days simple interest on the amount withdrawn
CD Term 49 - 83 months (60 month CD)	180 days simple interest on the amount withdrawn
CD Term 84 months or greater (84 month CD, 120 month CD)	180 days simple interest on the amount withdrawn

Account Services	Fee
Cashier’s Check Fee (customers only) A check that’s guaranteed by our bank	$25.00
Dormant Fee	$5.00
Escheatment Fee	$50.00

Wire Transfers Another way to send money from one account to another	Fee
Wire Transfer Fee (incoming, domestic)	$0.00
Wire Transfer Fee (outgoing, domestic)	$25.00
Wire Transfer Fee (incoming, international)	$0.00
Wire Transfer Fee (outgoing, international)	$35.00

Open a CD

Compare AAA Savings and CDs

Features	High-Yield Savings learn more	Personal Savings learn more	Money Market learn more	Certificates of Deposit
Minimum to Open	$100	$25	$100	$1,500
No Monthly Service Charge	$5/month if minimum balance is not maintained		$5/month if minimum balance is not maintained
No Minimum Balance	$100		$1,500
AAA ATM Card				NA
Mobile Banking
Online Access
Bill Pay	NA	NA	NA	NA
Quarterly Statements			(monthly)	(with other accounts)
Transactions	Make up to six withdrawals/debits per month***	Make up to six withdrawals/debits per month***	Make up to six withdrawals/debits per month***	NA
Check Writing	NA	NA		NA

Still unsure which account is right for you?

Call one of our Customer Service Representatives (Toll Free): 855.999-BANK (2265) or email AAABanking@acg.aaa.com

***You may make up to six withdrawals/debits from your savings account per month at no charge. Withdrawals in excess of six per month could result in a change in account type or closure of the account as required by regulations. For further information, please refer to the account terms and conditions provided at account opening.

Certificates of Deposit FAQs

Certificates of Deposit

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 each CD?

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.

What do I need to open this account online?

It’s good to have a few things handy so you can open your CD easily and quickly.

Your Social Security Number or Individual Tax Identification Number (ITIN)
A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
A U.S. checking or savings account to fund your new account
An active email address

Other

How secure is my online account?

By banking through AAA, your account is safe—it’s our top priority. We use state-of-the-art technology to ensure the safety of your account information 24/7.

Is your bank FDIC insured?

Yes. Our bank is FDIC insured under our legal name, Auto Club Trust, FSB.

Do I have to be a AAA member to open an account?

Being a AAA member is not required to open an account with us. If you are not a AAA member but would like to become one, please call 800.AAA.6424.

Open a CD