Routing Number: 307070021

Home Page

What Our Members Are Saying

  • "It was very easy to speak to a representative and he set up our new account in a timely manner." - August 03, 2020

  • "Anyone who joins AAFCU will be pleased with the programs and services." - August 14, 2020

  • "The AAFCU has provided great loan rates and other great offerings when looking for additional financial needs." - August 18, 2020

  • "I've been with AAFCU for a very long time and I feel secure that my money is safe." - August 21, 2020

  • "Fastest financing I have ever done" - August 26, 2020

Auto Loans

APR* as low as

3.39%

Home Equity

APR* as low as

3.00%

Mortgages

15 Year Fixed Rate*

2.49%

Kasasa Cash®

APY* as high as

1.25%

Personal Loan

APR* as low as

7.89%

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: 72 monthly payments of $15.37 per $1,000.00 borrowed at 3.39% APR on 2017 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 03/16/2020, is 3.25%. 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 3.00%-6.25% 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. 

15 year Mortgage

*APR=Annual Percentage Rate. Rate with approved credit. APR calculation assumes no fees; fees may impact rate and/or term. Terms and rates may change at any time without notice. Rates apply to Conventional 1st mortgages; rates subject to change. Closing costs do not include rate buy-down or escrows. Minimum loan amount is $55,000. Maximum loan-to-value ratio is 80%. Other restrictions and requirements may apply. Membership requirements apply.

The information provided is for a 15 year fixed mortgage and assumes the purpose of the loan is to purchase or refinance a property with a loan amount of $192,000 and an estimated property value of $240,000. The property is an existing single family home which will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 680 or above.

Payment example: APR for this loan type is 2.49%. The monthly payment would be: 180 payments of $1,279.33 at an interest rate of 2.49%. The monthly payment amount displayed includes principal and interest.  The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment.

Contact Air Academy Federal Credit Union at 1.800.223.1983 for more information. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

Kasasa Cash® Checking

*Annual Percentage Yield (APY) effective 04/01/2020.

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 Period Statement Cycle. Periodic Statement Cycle is defined as the first day of the month the Credit Union is open for business to the close of business on the last day of the month. 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 Kasasa Cash account qualifications are met during a Periodic Statement Cycle, the following rewards will be distributed to your account(s) on the first business day of the month. Balances up to $15,000.00 receive a non-compounding APY of 1.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00. If a Kasasa Saver account is available dividends will be posted to that account. ATM fee refunds limited to $4.99 per items and $25.00 per Periodic Statement Cycle. If a Kasasa Cash account is paired with a Kasasa Saver account, earned rewards and refunds will be posted to the Kasasa Saver account. Non-qualified accounts will be paid a dividends at 0.05% APY and are not eligible for ATM fee refunds. 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 $24.34 per $1,000.00 borrowed at 7.89% APR. Restrictions and requirements apply. Membership requirements apply. Subject to approval. Rates and terms are subject to change without notice. Equal opportunity lender.

AAFCU cares

We Care About You!

We're here to serve & support our members during the COVID-19 pandemic.

economic impact payment

Economic Impact Payment

The IRS will not contact you for banking or personal information to receive payment. Only trust information about EIPs on www.irs.gov.

earn 3 percent cash back with kasasa cash back

Kasasa Cash Back

Earn 3.00% cash back with a Kasasa Cash Back free checking account! Value never goes out of style!

Shred day 10-20

Shred Day

Join us for Shred Day on Oct. 17 from 9am- 12pm at the Cordera Branch!

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.

Learn More