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?

For customers looking for a safe, long-term investment option, a CD is perfect for saving funds for future purchases. When you bank with AAA, you can choose from a variety of CD terms and rates – generally the longer the term, the higher the rate.

  • A CD is a safe investment.** Rest assured knowing your money is safe – funds are insured by the Federal Deposit Insurance Corporation up to $250,000 per depositor.
  • With a CD, you’ll enjoy greater earnings than with a conventional checking or savings account. Earn higher interest, allowing you to accumulate funds for a future home or car purchase, college tuition costs and much more.

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)


Great rates, zero hassle, and I can bank anywhere.
I love it.

Anne B. | Ames, IA
TermInterest RateAPY*APY*
3 Month0.50%0.50%0.13%
6 Month0.75%0.75%0.21%
9 Month1.00%1.00% *%
12 Month1.75%1.75%0.37%
13 Month1.85%1.85% ** %
18 Month1.85%1.85% ** %
2 Year2.04%2.04%0.53%
25 Month2.09%2.09% ** %
30 Month2.09%2.09% ** %
3 Year2.15%2.15%0.69%
4 Year2.25%2.25%.81%
5 Year2.41%2.41%1.01%
7 Year2.41%2.41% ** %
10 Year2.41%2.41% ** %

More rates available. Call for details.


  • Enjoy options for automatic renewal at maturity.
  • Check your account anywhere with the mobile banking app.


  • 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.

Make AAA your primary bank. Check out our Switch Guide to see how easy it can be to switch.


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 this account?
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.

See All CD FAQs

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 5/7/2018. 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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