Routing Number: 307070021
Routing Number: 307070021

Rates

Air Academy Federal Credit Union offers competitive rates on both deposit accounts and loans. Take advantage of our great rates today!

Loan Rates

Table data for New and Used Auto Loans
 Effective as of 12-15-2019
Terms APR* Alert Me
Up to 36 months 3.79% - 17.99%** Receive a notification when this rate changes
48 months 3.79% - 17.99%** Receive a notification when this rate changes
72 months 3.79% - 17.99%** Receive a notification when this rate changes
78 months 4.29% - 17.99%** Receive a notification when this rate changes
84 months 4.79% - 17.99%** Receive a notification when this rate changes
*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 $15.55 per $1,000.00 borrowed at 3.79% APR on 2016 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.

Table data for Personal Loans
 Effective as of 12-15-2019
Terms APR* Alert Me
Up to 48 months 7.89%-17.99%** Receive a notification when this rate changes
49-60 months 8.39%-17.99%** Receive a notification when this rate changes
*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.

Table data for New and Used Motorcycle Loans
 Effective as of 12-15-2019
Terms APR* Alert Me
Up to 48 months 6.49% - 17.99%** Receive a notification when this rate changes
49-66 months 6.99% - 17.99%** Receive a notification when this rate changes
67-72 months 7.49% - 17.99%** Receive a notification when this rate changes
*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 $17.29 per $1,000.00 borrowed at 7.49% APR on 2016 or newer motorcycle. Down payment may be required. Refinancing fees may apply to all existing motorcycle loans with AAFCU. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.

Table data for Recreational Vehicles
 Effective as of 12-15-2019
Terms APR* Alert Me
Up to 72 months 6.49% - 17.99%** Receive a notification when this rate changes
73-120 months 6.99% - 17.99%** Receive a notification when this rate changes
121-144 months 7.49% - 17.99%** Receive a notification when this rate changes
*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: 120 monthly payments of $11.61 per $1,000.00 borrowed at 6.99% APR on 2016 or newer recreational vehicles. Down payment is required. Refinancing fees may apply to all existing RV loans with AAFCU. Membership requirements and other restrictions apply. Rates and terms are subject to change without notice.

Table data for Line of Credit
 Effective as of 12-15-2019
APR* Alert Me
Line of Credit 14.00% Receive a notification when this rate changes
*APR= Annual Percentage Rate. APR calculation assumes no fees; fees may impact rate. Minimum monthly payment applies based on outstanding balance and loan terms. Membership requirements and other restrictions apply. Rates subject to change without notice.

Deposit Rates

Table data for Kasasa Cash® Checking
 Effective as of 12-15-2019
Balance DIV** APY* Alert Me
Base Rate 0.050% 0.05% Receive a notification when this rate changes
$0.00-$25,000.00 2.227% 2.25% Receive a notification when this rate changes
$25,000 or greater 0.150% 0.15% Receive a notification when this rate changes
*APY=Annual Percentage Yield **DIV= Dividend Rate Qualifications; Post and clear (a) at least one direct deposit or pre-authorized ACH (b) post and clear eighteen or more purchase transactions using your Debit card and (c) consent to receive your period 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 $25,000.00 receive a non-compounding APY of 2.25%; and balances over $25,000.00 earn 0.15% APY on the portion of balance over $25,000.00. 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. Terms and Conditions subject to change. 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.

Table data for Kasasa Saver®
 Effective as of 12-15-2019
Saver Account Balance DIV** APY* Alert Me
Base Rate 0.050% 0.05% Receive a notification when this rate changes
$0.00-$50,000.00 0.747% 0.75% Receive a notification when this rate changes
$50,000.01 or greater 0.150% 0.15% Receive a notification when this rate changes
*APY=Annual Percentage Yield. **DIV= Dividend Rate Balances up to $50,000.00 receive APY of 0.75%; and balances over $50,000.00 earn 0.15% interest rate on the portion of balance over $50,000.00 if qualifications are met. Qualifications are: Post and clear (a) at least one direct deposit or pre-authorized ACH (b) post and clear eighteen or more purchase transactions using your Debit card and (c) consent to receive your period statements electronically during the Period 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. 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. Terms and conditions subject to change. Rates are variable and may change after account is opened.

Table data for Share Account Rates
 Effective as of 12-15-2019
Dividend Rate APY* Alert Me
Share Accounts 0.050% 0.05% Receive a notification when this rate changes
Share Youth Accounts1 0.050% 0.05% Receive a notification when this rate changes
Special Share Accounts1 0.050% 0.05% Receive a notification when this rate changes
*APY=Annual Percentage Yield. A minimum balance of $5.00 is required to open and earn dividends. Fees may reduce earnings. Rates subject to change. Accurate as of last dividend declaration date.
  • 1No longer offered.↵

Table data for Money Fund Rates
 Effective as of 12-15-2019
Balance Dividend Rate APY* Alert Me
$1,000.00 - $2,499.99 0.050% 0.05% Receive a notification when this rate changes
$2,500.00 - $9,999.99 0.050% 0.05% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.100% 0.10% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.150% 0.15% Receive a notification when this rate changes
$50,000.00 - $99,999.99 0.250% 0.25% Receive a notification when this rate changes
$100,000.00 - $249,999.99 0.300% 0.30% Receive a notification when this rate changes
$250,000.00 - $499,999.99 0.349% 0.35% Receive a notification when this rate changes
$500,000.00 and greater 1.982% 2.00% Receive a notification when this rate changes
*APY=Annual Percentage Yield. A minimum balance of $1,000.00 is required to earn dividends. Fees may reduce earnings. Rates subject to change. Accurate as of last dividend declaration date.

Table data for Business Money Fund
 Effective as of 12-15-2019
Balance Dividend Rate APY* Alert Me
$50,000-$99,999 0.050% 0.05% Receive a notification when this rate changes
$100,000-$249,999 0.100% 0.10% Receive a notification when this rate changes
$250,000+ 1.982% 2.00% Receive a notification when this rate changes
*APY=Annual Percentage Yield. A minimum balance of $50,000.00 is required to earn dividends. Fees may reduce earnings. Rates subject to change. Accurate as of last dividend declaration date. Restrictions and requirements apply

Table data for COLTAF Checking
 Effective as of 12-15-2019
Balance DIV** APY* Alert Me
Base Rate 1.982% 2.00% Receive a notification when this rate changes
*APY=Annual Percentage Yield. Fees may reduce earnings. Rates subject to change. Accurate as of last dividend declaration date. No dividends payable to account owner or authorized user. Dividends paid monthly will be swept from COLTAF trust account and remitted accordingly per COLTAF rules.

Table data for Health Savings Account (HSA)
 Effective as of 12-15-2019
Balance Dividend Rate APY* Alert Me
$0.00 - $999.99 0.050% 0.05% Receive a notification when this rate changes
$1,000.00 - $2,499.99 0.050% 0.05% Receive a notification when this rate changes
$2,500.00 - $9,999.99 0.050% 0.05% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.100% 0.10% Receive a notification when this rate changes
$25,000.00 or Greater 0.150% 0.15% Receive a notification when this rate changes
*APY=Annual Percentage Yield. Rates subject to change. Accurate as of last dividend declaration date.

Table data for IRA Share Account
 Effective as of 12-15-2019
Dividend Rate APY* Alert Me
IRA Share Accounts 0.050% 0.05% Receive a notification when this rate changes
*APY=Annual Percentage Yield. Rates subject to change. Fees may reduce earnings. Accurate as of last dividend declaration date.

Table data for IRA Certificates Under $10,000
 Effective as of 12-15-2019
Term Dividend Rate APY* Alert Me
12 months 1.440% 1.45% Receive a notification when this rate changes
24 months 1.785% 1.80% Receive a notification when this rate changes
36 months 2.129% 2.15% Receive a notification when this rate changes
48 months 2.227% 2.25% Receive a notification when this rate changes
60 months 2.472% 2.50% Receive a notification when this rate changes
*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. A minimum balance of $500.00 is required to open and earn dividends on IRA Certificate Accounts. Early withdrawal penalties may apply. Rates subject to change. Fees may reduce earnings.

Table data for IRA Certificates Over $10,000
 Effective as of 12-15-2019
Term Dividend Rate APY* Alert Me
12 months 1.539% 1.55% Receive a notification when this rate changes
24 months 1.884% 1.90% Receive a notification when this rate changes
36 months 2.227% 2.25% Receive a notification when this rate changes
48 months 2.325% 2.35% Receive a notification when this rate changes
60 months 2.570% 2.60% Receive a notification when this rate changes
*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. A minimum balance of $10,000.01 is required to open and earn dividends on IRA Certificate Accounts. Early withdrawal penalties may apply. Rates subject to change. Fees may reduce earnings.

Table data for Certificates Under $10,000
 Effective as of 12-15-2019
Term Dividend Rate APY* Alert Me
6 months 1.292% 1.30% Receive a notification when this rate changes
12 months 1.440% 1.45% Receive a notification when this rate changes
24 months 1.785% 1.80% Receive a notification when this rate changes
36 months 2.129% 2.15% Receive a notification when this rate changes
48 months 2.227% 2.25% Receive a notification when this rate changes
60 months 2.472% 2.50% Receive a notification when this rate changes
*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts. Early withdrawal penalties may apply. Rates subject to change.

Table data for Certificates Over $10,000
 Effective as of 12-15-2019
Term Dividend Rate APY* Alert Me
6 months 1.391% 1.40% Receive a notification when this rate changes
12 months 1.539% 1.55% Receive a notification when this rate changes
24 months 1.884% 1.90% Receive a notification when this rate changes
36 months 2.227% 2.25% Receive a notification when this rate changes
48 months 2.325% 2.35% Receive a notification when this rate changes
60 months 2.570% 2.60% Receive a notification when this rate changes
*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. A minimum balance of $10,000.01 is required to open and earn dividends on Certificate Accounts. Early withdrawal penalties may apply. Rates subject to change.