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Advantage Save

High-Yield Savings

Advantage Save

More growth for your goals.

Earn
up to

3.55% APY*

Whether you're building an emergency fund, saving for your next milestone, or simply putting your money to work, Advantage Save gives you a competitive rate with the convenience of a fully digital savings experience.

Make More of Your Savings

A straightforward savings account designed to help your balance grow while keeping your money easy to access.

Earn More on Every Dollar

Put your balance to work with tiered rates that reward your savings with up to 3.55% APY*.

Grow Your Savings Monthly

Dividends are compounded and credited monthly, helping your savings continue to build over time.

No Minimum Balance

There's no minimum balance required, so every dollar can start earning from day one.

Easy Digital Access

Open and manage your Advantage Save account online with convenient 24/7 access through Digital Banking.

Advantage Save Requirements

Two simple requirements to earn higher dividends.

Digital Banking

Enrollment in AgFed Digital Banking is required to open and maintain your Advantage Save account.

eStatements

Enrollment in eStatements is required to qualify and keeps your account information secure, organized, and paper-free.

Open an Advantage Save Account

Balance Amount	Dividend Rate	Frequency	APY**
$0.01 – $25,000.00	3.50%	Monthly	3.55%
$25,000.01+	0.15%	Monthly	0.15%

The Perfect Pair for Smarter Banking

Combine Advantage Save with Advantage Spend, a high-yield, spend account designed to help you earn more on your everyday balance. With digital access, easy transfers, and no monthly fees, it’s a smarter way to manage your money side by side.

Explore Advantage Spend →

Disclosures

*APY is Annual Percentage Yield. Advertised APYs are effective as of 10/13/2026 and are subject to change at any time. Dividends are compounded and credited monthly, based on the Average Daily Balance. Advantage Save accounts are tiered. The dividend rate is paid on the portion of the Average Daily Balance within each balance tier. This results in a blended yield on your balance.

The following eligibility requirements must be met to open and maintain an Advantage Save account:

Currently enrolled in Digital Banking.
Currently enrolled in eStatements.

Advantage Save will earn dividends as follows:

3.30% APY on the portion of the Average Daily Balance from $0.01 to $25,000.00
0.15% APY on the portion of the Average Daily Balance over $25,000.01

The monthly cycle is defined as the first calendar day of the month through the last calendar day of the month. If eligibility requirements are not met during the cycle, the account will earn a reduced dividend rate. As of 10/13/2026, the reduced rate is 0.02% APY and will apply to the entire balance. The reduced rate is set by the Credit Union and is subject to change at any time.

Fees may reduce earnings on the account. Overdraft and uncollected funds fees may apply. Refer to the Credit Union’s Fee Schedule for details.

There is no minimum balance required to open an account or to earn dividends. Limited to one Advantage Save account per Social Security number. Membership qualifications apply.

Click here to view the Share Rate/Truth in Savings disclosure for more information.

Personal Banking

Your Partner for Life