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Grow your savings with trusted Money Market accounts.

Discover flexible money market solutions designed to grow your savings and keep your funds readily access.

Open a Money Market Account

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Money Market Accounts

Great for saving with easy access to your funds

Earn interest with up to 2.50% APY*

Call 855.999.BANK for assistance or to open an account

Open a Money Market Account

What is a Money Market account?

A Money Market Account through AAA is an interest-bearing savings account with limited check-writing privileges. It’s a flexible, safe investment tool for individuals who maintain high account balances, and value the ability to access their funds quickly and easily.

A Money Market Account earns a competitive interest rate. Your rate is based on a graduated scale, with the highest rate being paid on balances of $100,000 or more.
Up to six withdrawals per statement cycle. See the Facts and Fees chart below for details.

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Is a Money Market Account right for me?

Competitive Rates

Explore the rates for our Money Market Account. Open your account with as little as $100.

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.
Pay no monthly service charges if $1,500 minimum balance is maintained.
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.

Money Market Rates

Tiers for Rate	Current Rate	APY*
$0 - $1,499.99	0.00%	0.00%
$1,500 - $99,999.99	2.47%	2.50%
$100,000 and above	2.47%	2.50%

Open a Money Market Account

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Money Market Interest Rates

Explore the rates for our Money Market 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 = 0%

$1,500 - $99,999.99 = 2.50%

$100,000 and above = 2.50%

*Annual Percentage Yield (APY) is valid as of 11/26/2024. 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. $100 minimum balance to open. Minimum daily balance to avoid fees on the account is $1,500. Fees could reduce earnings on the account. $10,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. Auto Club Trust, FSB

Open a Money Market Account

Money Market Facts and Fees

We’re not into keeping any fees hidden from our customers. That’s why we’ve laid them all out for you here. Know what you’re getting when you sign up for a Money Market Account.

Facts	Fee
Monthly service fee If the minimum monthly balance of $1,500 is not maintained, you will be charged a service fee	$5.00
ATM Withdrawal Fee The fee charged when using a non-AAA ATM	$3.50

Account Services	Fee
Cashier’s Check Fee (customers only) A check that’s guaranteed by our bank	$25.00
Rush Order for Debit or ATM Card If you need a new Debit or ATM Card rush ordered	$15.00
Non-AAA ATM Usage	$3.50 per transaction
Foreign Currency Conversion	2%**

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 Money Market 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 learn more	Personal Savings learn more	Money Market	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 month***	Make up to six withdrawals/debits per month***	Make up to six withdrawals/debits per month***	NA
Check Writing	NA	NA		NA

*** 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.

Money Market FAQs

Money Market Account

How much do I need to open this account?

The minimum opening deposit for a Money Market Account is $100.

What is the interest rate for this account?

Our Money Market Account has tiered interest rates, and you can earn up to 2.50% APY* when you maintain a $1,500 balance each month.

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 Money Market 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 Money Market 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 can I order checks?

Make your first check order by calling us at 855.999.2265.

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 Money Market Account

*Represents highest tiered interest rate available for account. Rates are variable and subject to change without notice. View the current interest rate table for our Money Market 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.