Open a CD easily online and start earning interest today
Call 855.999.BANK for assistance or to open an account
Online and mobile convenience makes it easy to manage your account anywhere
Is a Certificate of Deposit right for me?
A CD allows you to choose from different terms and rates, and includes the convenience of online banking.
Competitive Rates
- Open your account with a $1,500 minimum opening deposit.
- Pay zero maintenance fees every month.
Got Questions? Get Answers.
A real live person is here to answer your questions about banking through AAA.
M-F 8 am to 7 pm (EST)
Sat 9 am to 1 pm (EST)
Convenience
- Never worry about monthly maintenance fees.
- Enjoy options for automatic renewal at maturity.
- Check your account anywhere with mobile banking app.
Security
- Funds are insured by the FDIC up to $250,000 per depositor.
- Monitor and protect your credit with ProtectMyID, available for purchase or free with your AAA Membership.
Make AAA your primary bank. Check out our Switch Guide to see how easy it can be to switch.
FAQs
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 annually and at maturity.
 |
National Average** |
||
| Term | Interest Rate | APY* | APY* |
|---|---|---|---|
| 3 Month | 0.35% | 0.35% | 0.10% |
| 6 Month | 0.65% | 0.65% | 0.16% |
| 9 Month | 0.70% | 0.70% | * % |
| 12 Month | 1.25% | 1.25% | 0.27% |
| 18 Month | 1.35% | 1.35% | ** % |
| 18 Month | 1.65% | 1.65% | ** % |
| 2 Year | 1.35% | 1.35% | 0.41% |
| 30 Month | 1.30% | 1.30% | ** % |
| 3 Year | 1.60% | 1.60% | 0.54% |
| 4 Year | 1.50% | 1.50% | 0.65% |
| 5 Year | 2.25% | 2.25% | 0.85% |
| 7 Year | 2.30% | 2.30% | ** % |
| 10 Year | 2.10% | 2.10% | ** % |
More rates available. Call for details.
Great rates, zero hassle, and I can bank anywhere. I love it.
Anne B. | Ames, IA
Not sure how to open an account online? We can walk you through it.
Just give us a call or Chat online with one of our customer service representatives today.
*Annual Percentage Yield (APY) is accurate as of 10/1/2017. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. 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.
** See FDIC Website for National Average. If rate not listed national average is not available. + Rate listed based on $40,000 balance and above. Interest paid based on tiered rate.
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