Routing Number: 307070021

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Auto Loans

APR* as low as

5.99%

Home Equity

APR* as low as

6.75%

Adjustable-Rate Mortgage

APR* as low as

5.64%

Cash Rewards Checking

APY* as high as

1.25%

Personal Loan

APR* as low as

9.99%

Auto Loans

*APR= Annual Percentage Rate. Rates may vary depending on applicant's creditworthiness and year of collateral. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 60 monthly payments of $19.33 per $1,000.00 borrowed at 5.99% APR on 2019 or newer vehicles. Down payment may be required. Refinancing fees may apply to all existing auto loans with AAFCU. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.

Home Equity Line of Credit

*APR=Annual Percentage Rate. APR is determined by adding a Margin to the Index. The Index is the Prime Rate as published in the “Money Rates” table in The Wall Street Journal. The Margin is calculated based on individual credit history and loan-to-value ratio. Rates subject to change without notice. Rates may vary after account is opened. Rates are adjusted on the first day of the quarter following a rate change in Prime Rate, as published in the Wall Street Journal. The Prime Rate in effect on 11/03/2022, is 7.00%. At no time, will the rate exceed 17.99% APR. Minimum loan amount is $10,000. Maximum loan amount is $250,000. During the Advance Period, the minimum monthly payment is the greater of $50.00 or the finance charges that have accrued during the billing cycle. During the Repayment Period, the minimum monthly payment is the greater of $50.00 or the minimum monthly principal and interest payment due based on a 120 month amortization schedule calculated by the outstanding balance at the end of the Advance Period, plus finance charges that have accrued on the outstanding balance during the billing cycle. There is no limit on the amount by which the rate can change during any one-year period aside from the rate cap of 17.99%. Floor rate range is 6.75%-9.25% APR. Under no circumstance will the APR go below the initial start APR for an individual plan. The maximum APR of 17.99% could be reached the first month of the draw period. Closing cost range is $400-$900 only if an appraisal is required. Late fees may apply. For current index value, margins, and APR, call 800.223.1983. Restrictions and requirements may apply. Ask a mortgage loan officer for details. Membership requirements apply. Equal Housing Lender. 

Adjustable-Rate Mortgage

*APR=Annual Percentage Rate is effective 11/27/2022 and includes an origination fee of $1199. Rates are subject to change. A example of a 5/6 payment for $320,000 loan with a 5.375% rate and 5.642% APR, the first 60 payments are $1791.91 followed by 300 payments that could range from $1364.00 to $2753.00 based on a minimum rate of 2.75% and a maximum rate of 10.375%. A example of a 7/6 payment for $320,000 loan with a 5.625% rate and 5.723% APR, the first 84 payments are $1842.00, followed by 276 payments that could range from $1394.00 to $2765.00, based on a minimum rate of 2.75% and a maximum rate of 10.625%. Examples assume a property value of $400,000 and a loan to value of 80%. Above payment examples don’t include taxes and insurance. Actual payments may be higher. Closing costs don’t include buy downs, escrows or subordination fees (if applicable). The values are published by the Federal Reserve Bank of New York.

Membership Requirements Apply. Restrictions and requirements apply. Subject to approval. Rates and terms are subject to change without notice. Equal Opportunity Lender.

Cash Rewards Checking

*Annual Percentage Yield (APY) effective 11/27/2022.

Qualifications: Post and clear (a) at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) consent to receive your periodic statements electronically during the Periodic Statement Cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the Periodic Statement Cycle in order to qualify for the account’s rewards. When your Cash Rewards Checking account qualifications are met during a Periodic Statement Cycle, the following rewards will be distributed to your account on the first business day of the month. Balances up to $15,000.00 earn an APY of 1.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00. ATM fee refunds limited to $4.99 per item and $25.00 per Periodic Statement Cycle. Terms and conditions subject to change. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings

Personal Loan

*APR=Annual Percentage Rate. Rates may vary depending on applicant’s creditworthiness and term of loan. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 48 monthly payments of $25.36 per $1,000.00 borrowed at 9.99% APR. Restrictions and requirements apply. Membership requirements apply. Subject to approval. Rates and terms are subject to change without notice. Equal opportunity lender.

Help Kids in Need!

Donate new, unopened toys to help provide a happy holiday for low-income children!

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Toy drive near colorado springs

Current Events and Happenings

We strive to uphold our core value of community.

We host, sponsor and participate in events and programs to give back to the community in which we serve. Here is a list of current events and programs:

Enter for Your Chance to Win $500!

Simple add your AAFCU debit card to your favorite mobile wallet during the promotion period to be entered!

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Why "Bank" With Our Credit Union? 

We’re here to help you maximize your money and achieve your goals! Our customizable products allow our members the freedom to choose the financial solutions that are not only flexible but are personal by design. We offer competitive, innovative products to our members, and we’re committed to offering financial solutions that work for you. 

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    Air Academy Federal Credit Union (AAFCU) is passionate about providing world-class member service, while holding ourselves accountable to do what is right, not what is easy. While the world revolves around money, but your world revolves around much more.  

    We offer flexibility and convenience to our credit union members. Our branches are conveniently located in Colorado Springs, Monument and the South Denver Metro area including Parker, Castle Rock, Highlands Ranch/Littleton. Search for a credit union near me and to find your closest location to visit to see how we can partner with you to achieve your goals.

    AAFCU is a full-service financial institution. Our credit unions allow you to do business on your terms. In addition to a full suite of traditional “banking” products, we are committed to promoting life-long financial responsibility for people of all ages that goes beyond the walls of our credit unions. We provide free financial education classes and resources through our Financial Wellness Center and MoneyEDU. We support educators and community programs through seminars and by awarding grants and scholarships.

    So come to Monument or one of the four Colorado Springs locations if you live in the area. If you live in the Littleton or the Highlands Ranch area, we have a credit union to serve you there as well. If you are in Parker or Castle Rock, we have a location near you too!

    Your money is safe with us!

    Deposits at all federal credit unions are covered by National Credit Union Share Insurance Fund (NCUSIF) protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

    As a federally insured credit union, AAFCU is a safe place for you to save your money. Deposits are insured up to at least $250,000 per individual depositor and are backed by the full faith and credit of the United States government.

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