Special Hours for Vulnerable Members

At our branch locations, every Wednesday morning from 9:00 am to 10:00 am, is dedicated to serving our vulnerable members, including the elderly, pregnant women, individuals with underlying health issues, or those defined by the Centers for Disease Control and Prevention (CDC) as vulnerable or at-risk. For the protection of our vulnerable members, we will limit the number of individuals in a lobby at one time.

Routing Number: 307070021

Smart Solution

Not sure you can make it until payday? A Smart Solution Loan is exactly what it sounds like - an intelligent solution to payday loans.


No one wants to be in a situation where they need a loan to get them through until payday, but when that happens, you can count on AAFCU to provide you with an easy, flexible, and a smart solution to meet your needs.

Our Smart Solution Loan features a lower interest rate and has longer repayment terms than similar loans at a traditional payday lender. It's quick and convenient, plus there is no credit check!

  • Lower interest rates

  • Longer repayment terms

  • Quick approvals

  • No credit check

  • Local knowledge and decisions

  • Personal service

Visit a branch location to apply for a Smart Solution Loan.

  • 17.99% APR*

  • 60 day repayment term

  • Must have been AAFCU member for at least six months to apply

  • No credit check required, must meet other minimum requirements

  • Visit any of our locations to apply

To apply for a Smart Solution Loan, please visit a local branch or contact us at: 719.593.8600 or 800.223.1983

*APR=Annual Percentage Rate. Must be a member for at least six months. Must meet other requirements. No additional advances made until previous advance paid in full. $300.00 maximum loan amount for first three advances. Monthly payments are computed at approximately $153.38 each, due at 30 and 60 days from the time of loan, based on loan amount of $300.00. Other restrictions & fees apply.

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