More Benefits, Just for Being Connected

Thanks to your organization, you get access to a credit union that shows up when it counts — with real advice, real savings, and zero runaround.

Open a Checking Account Today - Unlock Your Membership Perks

SEG Offer

SEG Perks: Real Banking Done Right

Thanks to your connection, you get more than a place to park your money. You get real help for real life in Colorado — the bills, the curveballs, the cost of just getting by.

No nickel-and-dime fees. Savings that grow like they should. Loans approved locally. Real help to spend smarter, save faster, and move forward.

Get started with the basics — then we’ll help you shape the rest around your goals.

Checking

Checking That Pays You Back.

You’re already spending, paying bills, getting paid. With Cash Back Rewards Checking, that everyday stuff earns you up to $25 a month — or $300 a year ¹ . Just real cash, back in your pocket.

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Savings

Saving Smarter. Access More.

From everyday savings to HSAs, we’ve got ways to grow your money — and keep it flexible when life throws something your way.

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Home Loans

Your Home Journey, Backed By Us.

First-time buyer? You don’t need a mountain of cash — just 1–3% down ² , no mortgage insurance. If you’re moving up, we’ve got swing loans, HELOCs, and flexible-term mortgages that work around you, not the other way around.

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Loans

The Backing You Need, When You Need It.

Buying a car, going back to school, or just need a breather? Our personal and auto loans are built to back your goals — with local approvals and solid rates.

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Credit Cards

Rewards That Don't Cost You.

No annual fee. No surprises. Just cards that earn, skip the foreign fees ³ , and work for whatever’s next — building credit or booking flights.

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Business Accounts & Services

Business Banking Without The Red Tape.

Running a business is enough work — your banking shouldn’t be. No fees. No transaction limits. Just real support from payroll to lending, all handled right here.

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Hear From Our Members!

Great Interest Rates

Efficient Friendly Personnel at a Credit Union with Great Interest Rates!

April 3, 2026
Quick and Easy

The ease of use, the quick response time and receiving funds so fast.

April 3, 2026
Good Communication

Good communicaton and follow up from helpful employees.

April 8, 2026
Knowledgeable Staff

The branch staff is always nice, helpful and the vibe is always pleasant! The fact that I can get a new debit card so easy is great as well as how Quick I get alerts about fraud and account security is above Par!

April 9, 2026
Satisfaction for Years

Satisfaction for 40 plus years.

April 9, 2026

Disclosures

¹ Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll to receive your periodic statements electronically during the monthly periodic 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 monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Back Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. You will receive 10.00% cash back on up to a total of $250.00 debit card purchases that post and clear to the account during the qualifying monthly periodic statement cycle. A maximum of $25.00 cash back may be earned per monthly periodic statement cycle. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change.

² Must be 18 and older to qualify. Down payments are examples only and do not include closing costs, prepaid interest, taxes and homeowners’ insurance. Down payment amount and mortgage loan amount will vary based on purchase price amount, credit score and income. Payment example on a loan amount of $355,410: 360 monthly payments of $2,394.46 at 7.189% APR which includes a down payment of 1%, purchase price $359,000. Estimated closing costs of $5,397.00. Pre-paid interest, taxes and homeowners’ insurance are not included in closing costs or payment example and can vary. An AACU rewards checking account is required with direct deposit to qualify. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender. Air Academy Federal Credit Union: NMLS #454287.

³ The 0% introductory APR applies to purchases and balance transfers and is valid for the first 18 billing cycles if account is approved and opened by January 31, 2025. The 0% introductory APR applies to purchases and balance transfers made within 90 days of account opening and is valid for the first 18 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 14.25% - 17.99% based on your creditworthiness. The variable APR for Cash Advances is 17.99%. Cash Advance fee: 3% of each advance amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $10 minimum. Balance transfers post as cash. Annual fee: $0. Foreign Transaction fee: $0. Subject to approval. We will not process any balance transfer requests that are from any other account or loan that We (Air Academy Federal Credit Union, DBA Air Academy Credit Union) previously issued.