If you are having difficulty with the accessibility of this website, please contact AAEC Credit Union by telephone at 866-496-2232 during normal office hours, Monday through Friday from 9am to 5pm. You may also email us at office@aaeccu.com. Thank you.

AAEC Credit Union
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News and Updates

We're Moving!

You'll be thrilled with our expanded conveniences like drive thru lanes, safe deposit boxes, and an on-site ATM, and the new location is under 2 miles from our current home. This will happen in the 1st quarter of of 2019. Watch for details.

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Any check deposited through remote deposit MUST include a restrictive endorsement of "For Remote Deposit Only at AAEC CU" written on the back of the check above the authorized signature. Any item not bearing this endorsement will be rejected.

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Looking for the perfect gift? VISA Gift Cards are available in any amount from $10 - $1000. Members may purchase up to 5 cards a month with no fee! In a hurry - call ahead and we will have them ready for you.

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Need a month off from loan payments? Click to purchase a Skip-a-Pay coupon.



 
Vehicle Rates
All  2016 - 2018 Models
 

APR

 

TERM

 
2.99%   3 years
3.99%   4-5 years
4.99%   6-7 years
5.99%   8-9 years ($25k min loan)
6.99%   10-12 years* ($50k min loan)
7.99%   13-15 years* ($50k min loan)
Older Vehicles add 100 basis pts (1 percentage point)
 
*Car loans cannot exceed 10 year terms  
 


If your dealer offers an interest rate lower than ours, please call us. We'll do everything in our power to keep your business!

Ask about refinancing your current non-AAEC auto loan at these great rates! Terms subject to restrictions based on age and value of the vehicle model. Call AAEC for more information.

Get pre-approved for your next vehicle before you shop by clicking here.


Signature Loans
 
TYP TERM APR
 
Personal
1 yr
6.9%
 
2 yrs
10.5%
 
3 yrs
11.5%
 
4 yrs
12.5%
  5 yrs 13.5%
     
Bill Consolidation
 
1 yr
2 yrs
3 yrs
4 yrs
5 yrs
6.9%
10.0%
11.0%
12.0%
13.0%
Education (tuition bill required)
5yrs
8.5%
 
 
Share Secured
 
APR TERM  
 
2.99%
3 years
 
3.99%
4 - 5 years
 
4.99%
6 - 7 years
 
5.99%
8 - 9 years
($25k min loan)
6.99%
10 years
($50k min loan)
 


Ea$y Money
 
TERM APR FEE
6 months
  18% $25.00
 


Home Equity Line of Credit
 
TERM   APR
 
20 year draw period, 10 year repayment
 
5.0%


 


Rate adjusts 2 times a year (March and September) at .25% APR below WSJ prime with a floor of 5%


Credit Card Rates
 
Visa Card
 
Annual Fee
 
  Annual Percentage Rate   Grace Period for Repayment   Method of Computing the Balance for Purchases   Late Payment Fee
 
  Over Limit Fee
 
 
None   11.9%   25 days   Average Daily Balance   $25   $0
 

Savings Rates
 
Account Type    Compound Frequency   Rate   APR   Effective on
 
Regular Share Account        Quarterly               0.60%       06-30-18
Checking Account    Monthly       0.15%   08-31-18
Holiday Savings    Yearly       0.60%   10-31-17
Vacation Savings    Quarterly       0.60%   06-30-18
 


APR = Annual Percentage Rate

All Share (Savings) Account dividend rates are based on the Credit Union's earnings at the end of the dividend period, and thus cannot be declared in advance.

All dividends are calculated using the average daily balance method.

Any deposits or withdrawals will affect the APY of your account.

Rates subject to change without notice.