American United really cares about their members. If you are in the market for a vehicle or signature loan, make sure to take advantage of the loan rate discounts. The .25% loan rate discount and .25% savings rate bump are the reason why I'm a GoldStar® member. Fortunately, I've never had to pay the monthly account fee because I've always met the active requirements.
American United FCU Member
Open An AccountChecking Account Rates
Rates up to date as of July 28, 2026. Rates subject to change without notice.
| Account Type | Dividend Rate | APY | Minimum Balance | Balance to Earn Monthly Dividends |
|---|---|---|---|---|
| Primary Checking | 0.050% | 0.050% APY | $0 | $500+ |
| GoldStar® Checking1 | 0.100% | 0.100% APY | $0 | $500+ |
| Business Basic Checking | 0.050% | 0.050% APY | $0 | $500+ |
| Business Premier Checking | 0.200% | 0.200% APY | $0 | $500+ |
| ATM Checking2 | — | — | $0 | — |
| Fresh Start Checking2 | — | — | $100 | — |
| Empowered Checking3 | — | — | $ 0 | — |
APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
All GoldStar® Rates
Savings Account Rates
Rates up to date as of July 28, 2026. Rates subject to change without notice.
| Savings Accounts | Dividend Rate | APY | Minimum Balance | Balance to Earn Monthly Dividends |
|---|---|---|---|---|
| Primary Savings | 0.100% | 0.100% APY | $5 | $50+ |
| GoldStar® Savings1 | 0.125% | 0.125% APY | $5 | $50+ |
| Business Savings | 0.125% | 0.125% APY | $5 | $50+ |
| Youth Savings2 | 0.150% | 0.150% APY | $5 | $50+ |
| Club Savings | 0.100% | 0.100% APY | $0 | $25+ |
| Escrow Account | 0.100% | 0.100% APY | $0 | $50+ |
| Retirement (IRA) Savings3 | 0.499% | 0.500% APY | $0 | $1+ |
APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Must be younger than 18 years of age to open a Youth Savings account.
3. Subject to early withdrawal penalty before the age of 59.5 (Traditional before-tax or Roth after-tax IRAs).
For more information visit Terms & Conditions, Current Rates, and Fee Details.
Certificate Rates (Regular, IRA, & Dedicated Saver)
Rates up to date as of April 1, 2026. Rates subject to change without notice.
| Certificate Term1 | Dividend Rate & APY | GoldStar® Membership2 Dividend Rate & APY | Regular & IRA Minimum Balance3 | Dedicated Saver4 Minimum Balance |
|---|---|---|---|---|
| 6-month | 3.832% (3.900% APY) | 3.929% (4.000% APY) | $500+ | $5+ |
| 12-month | 3.832% (3.900% APY) | 3.929% (4.000% APY) | $500+ | $5+ |
| 18-month | 3.832% (3.900% APY) | 3.929% (4.000% APY) | $500+ | $5+ |
| 24-month | 3.832% (3.900% APY) | 3.929% (4.000% APY) | $500+ | $5+ |
| 36-month | 3.832% (3.900% APY) | 3.929% (4.000% APY) | $500+ | $5+ |
| 48-month | 3.832% (3.900% APY) | 3.929% (4.000% APY) | $500+ | $5+ |
| 60-month | 3.832% (3.900% APY) | 3.929% (4.000% APY) | $500+ | $5+ |
APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
2. Additional requirements apply for GoldStar® membership.
3. Minimum balance to open and earn the APY for Regular and IRA certificate accounts is $500. Additional deposits are not allowed after opening.
4. Minimum balance to open and earn the APY for Dedicated Saver certificate accounts is $5. Additional deposits are allowed after opening and require automatic transfers of at least $5 per month.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
Jumbo Certificate Rates
Rates up to date as of September 10, 2025. Rates subject to change without notice.
| Certificate Term1 | Dividend Rate & APY | GoldStar® Membership2 Dividend Rate & APY | Minimum Balance3 |
|---|---|---|---|
| 6-month | 4.218% (4.300% APY) | 4.314% (4.400% APY) | $100,000+ |
| 12-month | 4.314% (4.400% APY) | 4.410% (4.500% APY) | $100,000+ |
| 18-month | 4.073% (4.150% APY) | 4.169% (4.250% APY) | $100,000+ |
| 24-month | 4.073% (4.150% APY) | 4.169% (4.250% APY) | $100,000+ |
| 36-month | 3.929% (4.000% APY) | 4.025% (4.100% APY) | $100,000+ |
| 48-month | 3.929% (4.000% APY) | 4.025% (4.100% APY) | $100,000+ |
| 60-month | 3.929% (4.000% APY) | 4.025% (4.100% APY) | $100,000+ |
APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
2. Additional requirements apply for GoldStar® membership.
3. Minimum balance to open and earn the APY for Jumbo certificate & Jumbo IRA certificate accounts is $100,000. Additional deposits are not allowed after opened.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
Auto Loan Rates
Rates up to date as of July 28, 2026. Rates subject to change without notice.
| By Model Year & Loan Type | 60-month APR | 72-month APR | 84-month APR |
|---|---|---|---|
| 2020 & Newer1 | As low as 4.99%3 | As low as 5.24%3 | As low as 5.99%3 |
| 2019 & Older1 | As low as 5.99%3 | As low as 6.24%3 | As low as 6.99%3 |
| 2020 & Newer (Branded/Rebuilt Title)2 | As low as 5.49%3 | As low as 5.99%3 | — |
| 2019 & Older (Branded/Rebuilt Title)2 | As low as 6.49%3 | As low as 6.99%3 | — |
APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan terms can be extended up to 6 months for adding Debt Protection, Guaranteed Asset Protection (GAP), or Mechanical Breakdown coverages.
2. Not eligible for Guaranteed Asset Protection (GAP) coverage. Unable to extend loan terms for adding Debt Protection or Mechanical Breakdown coverages.
3. GoldStar® Membership required, otherwise rate is 0.25% APR higher.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
RV Loan Rates
Rates up to date as of July 28, 2026. Rates subject to change without notice.
| Recreational Vehicles3 | 84-month APR | 144-month APR |
|---|---|---|
| 2020 & Newer1 | As low as 7.24%2 | As low as 8.24%2 |
| 2019 & Older1 | As low as 8.24%2 | As low as 9.24%2 |
APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan terms can be extended up to 6 months for adding Debt Protection or Guaranteed Asset Protection (GAP) coverages.
2. GoldStar® Membership required, otherwise rate is 0.25% APR higher.
3. Includes all motor homes, campers, small watercraft, and small utility trailers.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
Signature Loan Rates
Rates up to date as of July 28, 2026. Rates subject to change without notice.
| Personal Loan Types | 12-month APR | 24-month APR | 36-month APR | 48-month APR | 60-month APR |
|---|---|---|---|---|---|
| Signature | As low as 10.99%2 | As low as 11.24%2 | As low as 11.49%2 | As low as 11.74%2 | As low as 11.99%2 |
| Holiday1 | As low as 8.74%2 | As low as 8.99%2 | — | — | — |
APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Holiday loans are only available during the months of November, December, and January.
2. GoldStar® Membership required, otherwise rate is 0.25% APR higher.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
Tribal Prime Membership Program
- Up to 1.5% loan rate discounts
- GoldStar Membership is required
- Earn discounts for direct deposit, VISA credit cards, active checking, and savings balances
- For enrolled members of any federally recognized tribe
- Loan types include vehicle and most personal loans