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Goldstar® Membership

Higher savings & lower loan rates

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GoldStar® Rewards

GoldStar® Requirements

Online & Mobile Banking

VISA® Rewards Debit Card

Overdraft Protection Coverages

Member Benefits

Additional Features

GoldStar® Rewards

Extra benefits & better rates

  • Higher Monthly Dividend Rates on Balances $500+
  • Higher Dividend Rates on Savings & Certificate Accounts
  • Loan Rate Discounts on Vehicle & Personal Loans
  • Access to No Cost Identity Theft Protection
  • Free or discounted services & additional rewards
  • No monthly fees if requirements are met
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GoldStar® Requirements

Requirements for GoldStar® checking accounts

  • Option 1: Average Daily Balance of $2,500+
  • Option 2: Five transactions per month (debit, credit, or electronic fund transfer), $300 direct deposit total per month, and one open loan product (includes overdraft line of credit)
  • If member does not meet the the requirements of option 1 or 2, the account will be charged a $10 monthly fee and no longer receives GoldStar® Rewards on additional new products
  • Additionally, if member switches from or closes their GoldStar® checking account the member will be charged a one-time $50 service fee if receiving GoldStar® benefits (such as a loan rate discount) at that time.

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Online & Mobile Banking

Banking wherever, whenever

  • Mobile App
  • E-Statements
  • Automatic Bill Pay
  • Money Desktop Tools
  • Zelle® Payments
Online & Mobile Banking

VISA® Rewards Debit Card

Earn 1 point for every $4 spent

  • VISA® Reward Points Program
  • Smart Cents Roundup Savings
  • Debit Card Design Options
  • Instant Issue Cards Printed In-Branch
  • CardNav® Manager App
  • Unlimited Debit Card Transactions
VISA® Rewards Debit Card

Overdraft Protection Coverages

3 optional coverages to choose from

  • Overdraft Line of Credit
  • Courtesy Pay
  •  Automatic Transfer from savings account
Overdraft Coverages

Member Benefits

Rewards & dividends for you

  • New Member Special Offer
  • Monthly Dividends on balances $500+
  • End-of-Year Member Dividend Rewards
Member RewardsCurrent Offers

Additional Features

Even more that comes standard

  • Free Unlimited Check Writing
  • Same-Day Direct Deposit
  • Free account access at CO-OP Shared Branches & ATMs
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA

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

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Checking Account Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Account TypeDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Monthly Dividends
Primary Checking0.050%0.050% APY$0$500+
GoldStar® Checking10.100%0.100% APY$0$500+
Business Basic Checking0.050%0.050% APY$0$500+
Business Premier Checking0.200%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.

All GoldStar® Rates

Savings Account Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Savings AccountsDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Dividends
Primary Savings0.100%0.100% APY$5$50+
GoldStar® Savings10.125%0.125% APY$5$50+
Business Savings0.125%0.125% APY$5$50+
Youth Savings20.150%0.150% APY$5$50+
Club Savings0.100%0.100% APY$0$25+
Escrow Account0.100%0.100% APY$0$50+
Retirement (IRA) Savings30.499%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).

Certificate Rates (Regular, IRA, & Dedicated Saver)

Rates up to date as of July 3, 2024. Rates subject to change without notice.

Certificate Term1Dividend RateGoldStar® Membership2
Dividend Rate
Minimum Balance3Dedicated Saver4
Minimum Balance
6-month5.032% (5.150% APY)5.128% (5.250% APY) $500+$5+
12-month4.889% (5.000% APY)4.985% (5.100% APY) $500+$5+
18-month4.218% (4.300% APY) 4.314% (4.400% APY) $500+$5+
24-month4.218% (4.300% APY) 4.314% (4.400% APY) $500+$5+
36-month4.025% (4.100% APY)4.121% (4.200% APY) $500+$5+
48-month3.832% (3.900% APY)3.929% (4.000% APY) $500+$5+
60-month3.832% (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 certificate 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 and IRA certificate accounts is $5. Additional deposits are allowed after opening and require automatic transfers of at least $5 per month.

Jumbo Certificate Rates

Rates up to date as of July 3, 2024. Rates subject to change without notice.

Certificate Term1Dividend RateGoldStar® Membership2
Dividend Rate
Minimum Balance3
6-month5.128% (5.250% APY)5.223% (5.350% APY)$100,000+
12-month4.985% (5.100% APY)5.080% (5.200% APY)$100,000+
18-month4.314% (4.400% APY)4.410% (4.500% APY) $100,000+
24-month4.314% (4.400% APY)4.410% (4.500% APY) $100,000+
36-month4.121% (4.200% APY)4.218% (4.300% APY)$100,000+
48-month3.929% (4.000% APY)4.025% (4.100% APY) $100,000+
60-month3.929% (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.

Auto Loan Rates

Rates up to date as of July 3, 2024. Rates subject to change without notice.

By Model Year & Loan Type60-month APR72-month APR84-month APR
2018 & Newer1As low as 5.99%3 As low as 6.24%3 As low as 6.99%3
2017 & Older1As low as 6.99%3 As low as 7.24%3As low as 7.99%3
2018 & Newer (Branded/Rebuilt Title)2As low as 6.49%3As low as 6.99%3
2017 & Older (Branded/Rebuilt Title)2As low as 7.49%3As low as 7.99%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.

RV Loan Rates

Rates up to date as of July 3, 2024. Rates subject to change without notice.

All Recreational Vehicles84-month APR144-month APR
2018 & Newer1As low as 7.49%2As low as 8.49%2
2017 & Older1As low as 8.49%2As low as 9.49%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.

Signature Loan Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Personal Loan Types12-month APR24-month APR36-month APR48-month APR60-month APR
SignatureAs low as 10.24%2As low as 10.49%2As low as 10.74%2As low as 10.99%2As low as 11.24%2
Holiday1As low as 8.74%2As 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.

Youth Savings Rewards

  • We pay $3 for A’s, $2 for B’s, $1 for C’s
  • $10 new youth account referral bonus
  • Earn monthly dividends on balances $50+
  • Financial Literacy Resources for Parents & Youth
  • Option to open checking account with VISA Rewards Debit Card
  • Option to open a Dedicated Youth Certificate with special terms
Youth Savings