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Savings

YOUR PATH TO A BETTER TOMORROW

SAVINGS & SHARE ACCOUNTS

Savings or share accounts are the same thing. In the credit union world, we refer to them as share accounts because when you open a share account, you are now a member and get to “share” in all of the benefits Auburn University Credit Union offers.

Click here to view current rates for all share accounts.

Prime

Prime Share

Start here and become a member with us. All it takes is a $5 opening deposit and watch as your dividends accrue daily and are paid out quarterly. There’s no fee for active accounts, and you get convenient remote access.

Open an Account
Sub

SUB SHARES

Are you saving up toward specific goals? A Sub Share Account allows you to save for something specific or separate your finances into separate sub-shares on the same account.

Adding a sub-account is easy. You may do this through your online banking account or visit us at one of our branches. Or if you prefer, contact our member services department at memberservices@myaucu.org, or by phone at 334.844.4120.

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GROW YOUR MONEY FASTER

You really may be closer to meeting your goals than you realize. Our certificate dividend rates are often higher than the national average.
Short

SHORT TERM SHARE CERTIFICATE

Start here and become a member with us. All it takes is a $5 opening deposit and watch as your dividends accrue daily and are paid out quarterly. There’s no fee for active accounts, and you get convenient remote access.
Open an Account Check Current Rates
Long

LONG TERM SHARE CERTIFICATE

Terms from 12 to 60 months require more discipline and reward you with higher rates. Dividends accrue daily and are paid quarterly. If you need to make an early withdrawal, the penalty is as follows:

  • For less than 18 months: forfeiture of all dividends on the amount withdrawn for 90 days.
  • For greater than 18 months: forfeiture of all dividends on the amount withdrawn for 180 days.
Open an Account Check Current Rates

IRA SHARES & CERTIFICATES

A tried and true way of saving for retirement. This may provide significant immediate tax savings, and by deferring all taxes on earnings, the power of compound earnings is strengthened. We offer IRA savings as well as certificates.

CHECK OUR CURRENT IRA RATES


IRA SAVINGS

If you earn compensation and will not reach 70½ by the end of the year, you may contribute to a traditional IRA. The ability to defer taxes on the earnings, and to withdraw in a year when you may be in a lower tax bracket, can mean more after-tax dollars for your retirement.

ASK ABOUT AN IRA SAVINGS

IRA LONG TERM CERTIFICATES

For more conservative investors, this option offers guarantees and predictability. See exactly how much you’ll earn over the term, allowing you to plan your retirement date without worrying about the market.

  • Terms from 12-60 months.
  • There is a 180 day dividend penalty for early withdrawal.
ASK ABOUT AN IRA CERTIFICATE

ROTH IRA SAVINGS

Unlike traditional IRAs, these contributions are never tax-deductible, but the money invested can be withdrawn tax-free anytime. And if you qualify, you can withdraw the earnings tax-free, too.

ASK ABOUT AN IRA CERTIFICATE

ROTH IRA LONG TERM CERTIFICATES

A conservative approach to retirement that grows tax-free.

  • Terms from 12-60 months.
  • There is a 180 day dividend penalty for early withdrawal.
ASK ABOUT AN IRA CERTIFICATE