AAA Banking and Financial Services — Auto

Save More on Your Next Vehicle

Save More on Your Next Vehicle

Why spend hours negotiating at the dealership?  The AAA Auto Buying Service has helped our members save an average of $3,123

Designed to Save You More

Designed to Save You More

An auto loan through AAA could save you hundreds of dollars. Finance a new or used vehicle for as low as 2.64%. APR.† 

Know Before You Go

Research tools from CARFAX® put you in the driver's seat.


See how much you could save and learn more about auto insurance through AAA.


AAA Banking and Financial Services — Home

Low-Cost Mortgages

Low-Cost Mortgages

From conventional home loans to Federal Housing Administration (FHA) and Veterans Administration (VA) loans, we offer a broad range of financing options to best fit your needs.

Let Your Home's Equity Work for You

Home Insurance

See how much you could save and learn more about home insurance through AAA.

AAA Credit Cards

Two Exclusive Credit Card Offers for AAA Members

Apply today for the credit card that's right for you

Save on purchases and balance transfers with a low APR with the AAA Dollars® Mastercard®! 1

  • Take advantage of a special introductory APR on purchases and balance transfers.
  • Pay no annual fee.
  • Earn 1% cash back everyday purchases.2

Earn accelerated cash back on everyday purchases with the AAA Dollars® Plus Mastercard®.1

  • Take advantage of a special introductory APR on purchases and balance transfers.
  • Earn 3% cash back on qualifying travel and AAA purchases.2
  • Earn 2% on purchases at gas stations, grocery stores and drug stores.2
  • Earn 1% on your other qualifying net everyday purchases.2
  • Pay no annual fee.
  • Pay no foreign transaction fees.
Start your journey to earn AAA Dollars by applying today!


AAA Dollars® Mastercard®




Not a cardmember?

Checking, Savings & CDs

Earn 1.95% APY*** on a 12-month CD

Earn 0.75% APY** on a 12-month CD

Open with as little as $1,500. Choose from different terms and rates with no monthly maintenance fees to worry about.

Impressive Returns on Savings and Checking Accounts

Impressive Returns on Savings and Checking Accounts

Earn 0.30% APY* with a High-Yield Savings account. Easy to open, manage and maintain right from your phone.

More From AAA


bank remotely with AAA

Enjoy higher rates – plus protect your funds – with a CD from AAA. Start with just $1,500.


The AAA Dollars® Mastercard® earns you valuable cash back on every qualifying purchase.

Low Rates. Fast Approvals.

Get in the driver’s seat before you take a test drive. AAA puts you in control with a low-cost car loan.

New Identity Theft Protection

Help keep your personal information safe with enhanced products to meet today's threats.

Easy Online Payments

Use AAA's online portal to make one-time or recurring payments on auto, mortgage & home equity loans.

We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

1Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Net purchases are purchases minus credits and returns. Qualifying purchases do not include Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. AAA Dollars are not earned on business related transactions or activities. You may not redeem AAA Dollars, and you will immediately lose all of your AAA Dollars, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). AAA Dollars awarded but not redeemed will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they were earned.

2AAA Dollars Mastercard: Earn 1% for every dollar of qualifying net purchases. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Dollars awarded but not redeemed will expire five (5) years from the date on which they were earned. AAA Dollars Plus Mastercard: Earn 3% per dollar for qualifying net purchases made with the card through any participating AAA Club when AAA is the merchant of record, on qualifying net insurance purchases (MCC = 6300) and at eligible retail travel merchants. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 3%. Earn 2% per dollar for qualifying net purchases at gas stations, grocery stores and drug stores. Earn 1% per dollar on qualifying net purchases everywhere else. Purchases qualify for reward categories based on the category code merchants select to classify their business. ACG Card Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. AAA Dollars awarded but not redeemed will expire five (5) years from the date on which they were earned.

The creditor and issuer of the AAA Dollars Mastercard is U.S. Bank NA dba ACG Card Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2020 ACG Card Services. All rights reserved. Equal Credit Opportunity Lender.

*Annual Percentage Yield (APY) is valid as of 9/1/2020. Personal accounts only. Interest rates may change at any time without prior notice. $100 minimum balance to open and avoid fees. Fees could reduce earnings on the account. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.

**Annual Percentage Yield (APY) is accurate as of 9/1/2020. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Personal accounts only.

†Annual Percentage Rate (APR). Rates and terms effective as of 9/1/2020. All AAA loan promotions, rates, terms and conditions are subject to change at any time without notice. Mortgage, home equity, credit card and open-end loans are not eligible for this promotion. Promotion cannot be used to re-finance a current AAA auto loan. Additional terms and restrictions apply. Other loan rates available. Subject to borrower qualification. Advertised rate assumes a 0.25% discount when you set up automatic payments from any checking or savings account. Offer valid on personal vehicle loans only. AAA Membership must be active at time of loan closing. Offer ends 9/30/20. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2019 and 2020 new or used models, with an excellent credit score. Borrower pays any closing costs. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An auto loan with an APR of 2.64% for a $20,000 loan at a term of 48 months, your monthly payment would be $440.00.

‡Between 1/1/19 and 12/31/19, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the AAA Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $3,123. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

Member Savings currently not available in all states. In these states a "Target Price" is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available or in-stock at the Certified Dealer.

TrueCar operates this information website ("Service") featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations.

The Calculator assumes an 80% combined loan-to-value (CLTV) ratio. Actual CLTV eligibility depends on your state, product, lien position, credit and deposit relationship. This interactive calculator is made available to you as a self-help tool for your independent use and is intended for illustrative purposes only. Any results are estimates only. Changes to the account balance or any of the inputs will alter the results. This calculator does not offer any tax, legal, or financial advice.

Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.

Mortgages originated by Auto Club Trust, FSB. Equal Housing Lender. NMLS# 799629

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