Grow your savings steadily while keeping your funds available for life’s everyday moments and unexpected needs

Save with confidence. Access your money when you need it.

Daily Access Savings gives you a simple way to set money aside without locking it away. It’s steady, flexible, and designed to grow with you.

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Start with just $5

Open your account with a $5 deposit to establish your membership and begin building your savings with confidence.

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No monthly fees

There’s no monthly maintenance fee, so your savings stay simple, predictable, and easy to manage.

Earn dividends on your balance

Your savings earn dividends on your balance, helping your savings grow over time.

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Easy deposits and access

Make deposits anytime and access your money when you need it, giving you flexibility as your life and goals evolve.

How to open your Daily Access Savings account

Whether you're building your first savings cushion or setting aside money for what’s next, getting started takes just a few straightforward steps — and we’ll guide you through each one with clarity and ease.

01
Start your application online

Getting started takes just a few easy steps. Many members can open their account in minutes, and we’ll guide you every step of the way.

02
Set everything up in one place

Enroll in online banking and set up recurring transfers so you can start building savings for the future in a way that fits your life.

03
Start building your savings

Fund your account and begin growing your balance with deposits that fit your schedule and your goals.

Daily Access Savings rates

Balance  Dividend  APY*  
$25,000 or more  0.10%  0.10%  
$10,000 or more  0.10%  0.10%  
$5,000 or more  0.10%  0.10%  
$2,500 or more  0.10%  0.10%  
Up to $2,500  0.10%  0.10%  

*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. 0.30% APY applies to all balance tiers; specific balance requirements are outlined in the rate table. A $5 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. 
Your questions, answered

A Daily Access Savings account is Allegacy Financial’s primary savings account. It allows you to earn dividends on your balance while keeping your money available for everyday needs and unexpected expenses.

You can open a Daily Access Savings account with a $5 opening deposit. This initial deposit establishes your membership with Allegacy Financial.

There is no monthly maintenance fee. A $3 single service fee applies only if the account balance falls below $100, unless the member is age 23 or younger.

Yes. A Daily Access Savings account establishes your membership with Allegacy Financial. Because Allegacy Financial is a member-owned federal credit union, this account represents your ownership share.

Yes. You can access your funds in person at a financial center or through standard savings transfer options in digital banking, subject to applicable account limits.