AAA Banking and Financial Services — Auto

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 $3,197

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 2.19%. APR.†† 


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

Online Banking

Enroll in Online Banking
(current Bank Customers)


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


AAA Banking and Financial Services — Home

Low-Cost Mortgages


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

Low-Cost Mortgages


Check your balance and escrows, review your APR and payment history – plus make monthly payments – all from the convenience of your laptop, tablet or smart phone.

Let Your Home's Equity Work for You


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.1

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

  • Earn $100 cash back after spending $1,500 in qualifying net purchases within the first 90 days2
  • Earn 3% cash back on qualifying travel and AAA purchases.1
  • Earn 2% on purchases at gas stations, grocery stores and drug stores.
  • Earn 1% on your other qualifying net everyday purchases.
  • Pay no annual fee.
  • Pay no foreign transaction fees.
Start your journey to earn AAA Dollars by applying today!




Not a cardmember?

Checking, Savings & CDs

Earn 1.95% 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


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

Online Banking

Enroll in Online Banking
(current Bank Customers)

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.

woman driving car in winter

Holiday now, pay later†

No auto loan payments 'til 2022 + rates as low as 2.19% APR.††

Easy Auto Loan Payments

Use AAA's online portal to make one-time payments on auto and consumer loans.

Get Free Identity Theft Protection


Your personal information is at risk daily. Protect it with free Essential coverage from ProtectMyID® (a $49 value), and get credit monitoring, lost wallet protection & more.


Easy Mortgage Payments

Use our new and improved online mortgage services portal to make easy one-time or recurring mortgage payments.

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.

1Cash back can be redeemed in the form of a statement credit or ACH deposit. 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 are earned. Account 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. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees do not qualify. U.S. Bank cannot control how merchants classify their business or transactions and reserves the right to determine which purchases will qualify in which category. AAA Dollars Plus: 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. Effective January 1, 2022, you'll earn 3% per dollar on the first $8,000 you spend on qualifying net travel, insurance, and AAA purchases annually. After that, you'll earn 1% per dollar. 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%.

2You may earn a one-time Spend Bonus of 100 AAA Dollars if you spend at least $1,500 in qualifying Net Purchases on your Card within 90 days after you account is opened. AAA Dollars will be credited to you account 6 to 8 weeks after the 90-day period. The 100 AAA Dollars may be redeemed as a $100 cash deposit to a checking or savings Account or as a statement credit to your AAA Dollars Plus Mastercard.

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.

©2021 ACG Card Services. All rights reserved. Equal Credit Opportunity Lender.

*Annual Percentage Yield (APY) is valid as of /1/. 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 /1/. 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 /15/. 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. Not valid on recreational vehicles or motorcycles. Offer ends 1/31/2022. Criteria to receive the stated APR: Loan term 48 months or less, vehicle model 2016 — 2021 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 2.19% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $436.

Interest charges will accrue from the date of the loan.

‡Between 1/1/20 and 12/31/20, 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 $3,197. 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.

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

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

Roadside Assistance

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Or text HELP to 800-222-1134

For non-towing service requests with
Alexa, say “Alexa, open AAA Road Service” or on
Google Assistant, say “Talk to AAA Road Service”.

Message and data rates may apply.