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.
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Gift Ideas!
Looking for the perfect gift?
We have $2 bills, half dollars,
and dollar coins available at
the office. 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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Remote Deposit
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. For instructions on how to enroll click here.
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Privacy Policy
To access our privacy policy
click here. If you would like
a paper copy, please call
847-392-1922. .
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Skip-a-Pay
Need a month off from loan payments? Click to purchase a Skip-a-Pay coupon.
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All 2022 - 2024 Models
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APR
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TERM
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| 5.5% |
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3 years |
| 6.5% |
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4-5 years |
| 7.5% |
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6-7 years |
| 8.5% |
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8-9 years ($25k min loan) |
| 9.5% |
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10-12 years* ($50k min loan) |
| 10.5% |
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13-15 years* ($50k min loan) |
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Older Vehicles add 100 basis pts (1 percentage point)
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| *Car loans cannot exceed 10 year terms |
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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.
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| TYP |
TERM |
APR |
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Personal
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1 yr
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10% |
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2 yrs
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11% |
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3 yrs
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12% |
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4 yrs
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13% |
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5 yrs |
14% |
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Bill Consolidation
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1 yr
2 yrs
3 yrs
4 yrs
5 yrs
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8.99%
8.99%
8.99%
8.99%
8.99%
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Education (tuition bill required)
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5 yrs
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8.5% |
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| APR |
TERM |
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5.5%
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3 years
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6.5%
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4 - 5 years
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7.5%
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6 - 7 years
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8.5%
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8 - 9 years
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($25k min loan) |
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9.5%
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10 years
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($50k min loan) |
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| TERM |
APR |
FEE |
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6 months
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18% |
$25.00 |
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| TERM |
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APR |
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20 year draw period, 10 year repayment
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8.25% |
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Rate adjusts 2 times a year (March and September) at .25% APR below WSJ prime with a floor of 5%
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| Visa Card |
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Annual Fee
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Annual Percentage Rate |
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Grace Period for Repayment |
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Method of Computing the Balance for Purchases |
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Late Payment Fee
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Over Limit Fee
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| None |
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11.9% |
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25 days |
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Average Daily Balance |
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$25 |
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$0 |
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| Account Type |
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Compound Frequency |
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Rate |
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APR |
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Effective on |
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| Regular Share Account |
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Quarterly |
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1.00% |
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03-31-24 |
| Checking Account |
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Monthly |
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0.15% |
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03-31-24 |
| Holiday Savings |
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Yearly |
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0.50% |
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10-31-23 |
| Vacation Savings |
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Quarterly |
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1.00% |
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03-31-24 |
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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.
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| Term |
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APR |
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Effective on |
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| 1 year (min $1,000) |
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5.00% |
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9-29-23 |
| 2 years (min $1,000) |
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4.00% |
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9-29-23 |
| 3 years (min $1,000) |
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3.75% |
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9-29-23 |
| 5 years (min $1,000) |
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3.25% |
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9-29-23 |
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