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Grow Your Savings with Confidence with a High-Yield Savings Account

Our High-Yield Savings Accounts offer flexible options with competitive rates, tailored to meet your financial goals.

Open a High-Yield Savings Account

High-Yield Savings Account

You can grow your savings faster without sacrificing easy access to your funds. A High-Yield Savings Account through AAA is the perfect “nest egg” account. It earns a higher rate of return than our Personal Savings Account and grows steadily as long as you maintain a minimum daily balance of only $100.

Earn an impressive 2.50% APY*

Earn more than conventional savings accounts offered elsewhere. AAA consistently offers competitive rates on all its savings programs.

A High-Yield Savings Account provides easy access to your cash. Perform transactions and check balances online, via mobile app, by phone or ATM.

Open a High-Yield Savings Account

*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.

Is a High-Yield Savings account right for me?

Competitive Rates

Open your account with as little as $100.
No Monthly Service Fee if minimum daily balance is maintained.

Convenience

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.
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.

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.

Woman checking her high-yield accounts on a tablet

High-Yield Savings Interest Rates

Explore the rates for our High-Yield Savings Account. Rates are variable and subject to change without notice. These rates are up to date as of 11/26/2024. If you’d like to confirm rates before opening this account, call us toll-free at 855.999.BANK (2265).

Minimum Balance for APY**

$0 - $1,499.99 = 2.50%

$1,500 - $4,999.99 = 2.50%

$5,000 - $14,999.99 = 2.50%

$15,000 - $39,999.99 = 2.50%

$40,000 and above = 2.50%

**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.

Open a High-Yield Savings Account

High-Yield Savings Facts and Fees

Know all there is to know about our High-Yield Savings Account—we’ve laid out all the facts and fees associated with it so you know exactly what you’re getting when you sign up.

Facts	Fee
Monthly Service Fee	$5.00
ATM Withdrawal Fee The fee charged when using a non-AAA ATM	$3.50

Account Services	Fee
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 High-Yield Savings Account

***We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States, or an internet purchase from a foreign merchant. This fee applies regardless of whether the transaction occurs in U.S. Dollars.

Compare AAA Savings and CDs

Features	High-Yield Savings	Personal Savings learn more	Money Market learn more	Certificates of Deposit learn more
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 month¹	Make up to six withdrawals/debits per month¹	Make up to six withdrawals/debits per month¹	NA
Check Writing	NA	NA		NA

¹ 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 regulation. For further information, please refer to the account terms and conditions provided at account opening.

High-Yield Savings FAQs

High-Yield Savings Account

How much do I need to open this account?

The minimum opening deposit for a High-Yield Savings Account is $100.

What is the interest rate for this account?

You can earn up to 2.50% APY² with a High-Yield Savings Account.

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 do I need to open this account online?

It’s good to have a few things handy so you can open your High-Yield Savings Account 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

How do I add money to my account?

You can add money a few ways:

Transfer money between your different AAA accounts
Transfer money between your AAA account and your non-AAA banking accounts
Use our mobile app to deposit checks
Set up direct deposit for your paychecks
Add money via wire transfer

What’s the routing number?

Our routing number is 072471968.

ATM Cards

Does this account include an ATM card?

Yes. You’ll get a AAA ATM card when you open a High-Yield Savings Account.

How can I use my AAA ATM card?

You can use the AAA ATM card a few different ways:

Make cash withdrawals from your checking or savings account from ATMs.
Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Is there a daily ATM withdrawal limit for the AAA ATM card?

Yes. The daily limit for ATM withdrawals is $800.

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 800.222.6424.

Open a High-Yield Savings Account

²Annual 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.