847-392-1922NEW & USED VEHICLE LOANS
We finance 
up to 100% of vehicle purchase including taxes, title/registration fees, warranty, GAP insurance, and additional add-ons:
- Cars, trucks, motorcycles, boats/water-craft, RVs/campers, & ATVs
- Borrow up to $120,000
- Competitive rates – let us know if a dealer offers you a lower rate
- Same day approval when possible
- No fees/prepayment penalties
- Life & Disability insurance
- Auto Warranty & GAP insurance
Car buying help
PERSONAL LOAN
Finance an unexpected medical bill, home appliance, vacation, and more:
- Borrow up to $30,000
- Competitive rates
- Same day approval when possible
- No fees/prepayment penalties
- Life & Disability insurance
BILL CONSOLIDATION LOAN
Pay off high-interest credit cards, medical, school, payday/personal loans:
- Borrow up to $30,000
- Competitive rates
- Same day approval when possible
- No fees/prepayment penalties
- Life & Disability insurance
EA$Y MONEY LOAN
A fast & inexpensive way to borrow $500 with no credit check:
- $20 one-time fee
- 6-month repayment term / $91.26 monthly payment
- Must be AAEC member for a minimum of 6 months and in good standing
- No prepayment penalties
- Loan repayment must be via direct deposit or school payroll deduction
- To Apply – bring your driver’s license/State ID, 2 current paystubs and ask for the Easy money loan application
SHARE SECURED LOAN
Share secured loans help build credit or make a purchase without dipping into your savings:
- Fully secured by shares in your AAEC account
- Shares can be pledged by you, family, or friends
- As the loan is paid, shares become available
- Shares earn dividends during the loan term
- Same as auto loan rates
- No fees/prepayment penalties
AAEC VISA CREDIT CARD
AAEC VISA offers an 11.9% APR* for all purchases & cash advances, plus:
- No annual or monthly fee
- 24×7 fraud protection
- Online access to your account at ezcardinfo.com
- AAEC VISA application – Submit with a copy of your ID, 2 recent paystubs, and W2
- VISA credit card agreement & disclosures
- Balance transfer form
MORTGAGE LOANS
Purchase or refinance your home with AAEC. We offer a wide range of programs designed to fit your needs.
HOME EQUITY LINE OF CREDIT - VARIABLE RATE
Take advantage of the equity in your home:
- Competitive variable rate that adjusts semi-annually (March/September)
- No annual fee
- AAEC pays all closing costs
- Must be your primary residence
- Min. line is $10,000/Max. line is $150,000
- Borrow up to 80% of the current appraised value of your home
- Revolving line of credit can be drawn upon for 20 years
- 10-year payback period renews with each advance
- Min. initial advance is $10,000 & subsequent advances must be a min. of $500
- Often offers tax-deductible benefits, consult your tax advisor for details
To apply – Gather documents listed on checklist, complete the HELOC application, then call us for an appointment.
HOME EQUITY LOAN - FIXED RATE OPTIONS
Take advantage of the equity in your home:
- Offering 5, 10, and 15 year terms
- Min. line is $10,000/Max. line is $150,000
- Borrow up to 80% of the current appraised value of your home
- Often offers tax-deductible benefits, consult your tax advisor for details
ONLINE BANKING ACCESS
