Membership at AACU reaches far beyond military families. Educators, first responders, small-business owners, and residents connected to hundreds of local employer groups all qualify. Family members of current members qualify too. Review the full eligibility list and start your application in minutes from any device. 

Opening an account takes minutes through using our secure online application. You'll need a government ID, Social Security number, and an initial deposit to fund your new Primary Savings Account. Most applicants finish in one sitting. Open your Rewards Checking account now!

AACU offers checking accounts, savings accounts, home loans, auto loans, personal loans, youth accounts, and credit cards under one membership. Each product connects through a single online banking login. New members typically start with a checking account and add products as their needs grow. Compare checking options to find your fit.

Your choice depends on how you use your debit card each month. Frequent debit card users often prefer Cash Back Rewards, while members who keep a higher balance may prefer Cash Rewards' dividend rate. Members who want simplicity choose Basic Checking. Compare all three checking accounts side by side before you apply.

Yes, most personal banking tasks happen entirely online or through the AACU mobile app. Members open accounts, deposit checks, transfer funds, and pay bills without a branch visit. Loan applications and card management also run through the same secure login. Open a checking account online in a few minutes today.

Cash Back Rewards Checking pays 10% cash back on up to $250 in monthly debit card purchases when you meet the account's qualifications. Cash Rewards Checking instead pays 1.25% APY on balances up to $15,000. AACU members pick one based on spending habits versus saved balance. Check your eligibility and open the account that fits.

Cash Back Rewards and Cash Rewards Checking both carry no monthly service fee and no minimum balance requirement. Basic Checking waives its $5 monthly fee once you maintain a $500 daily balance. Every option includes free eStatements and online banking. Review Basic Checking's fee details before choosing.

Yes, AACU lets you open any checking account entirely online through a secure application. You'll need a government ID, Social Security number, and a small opening deposit. Most members finish the process in one sitting from a phone or computer. Check your eligibility and start your online application today. 

Missing a monthly requirement on Cash Back or Cash Rewards Checking simply means you skip that month's reward. Your account stays open with no penalty, and qualifications reset the next billing cycle. AACU designs these accounts so every month brings a fresh chance to earn. Review qualification details before you apply.

Cash Back Rewards and Cash Rewards Checking require no minimum balance to open or maintain. Basic Checking asks for a $500 daily balance only to avoid its monthly fee. Review Cash Rewards Checking, which also requires no minimum.

Cash Back Rewards Checking pays 10% cash back¹ on up to $250 in qualifying debit card purchases each month. That's a maximum of $25 in monthly cash back¹, or roughly $300 a year, for members at AACU. Rewards deposit on the last day of your statement cycle. Check your eligibility and open your account today.

Any debit card purchase counts toward your monthly total, since AACU places no category restrictions on qualifying transactions. Groceries, gas, dining, and online shopping all apply the same way. You'll need at least twelve qualifying purchases each statement cycle to trigger the reward. Compare Cash Back to Cash Rewards Checking before your first statement cycle.

AACU deposits your earned cash back on the last day of each monthly statement cycle, once your direct deposit, debit card purchases, and eStatement enrollment all post and clear. No manual claim or redemption step stands between you and your reward. Missed months simply reset without penalty. Check your eligibility and open an account today.

Cash back caps at $250 in monthly qualifying purchases¹, which limits your reward to $25 per statement cycle. Purchases beyond that amount still count toward your account activity but stop earning cash back for the month. Most everyday spenders reach the cap comfortably. Compare this account to Cash Rewards Checking to see which fits better.

AACU requires twelve or more posted debit card purchases per monthly statement cycle to qualify for cash back rewards. You'll also need one direct deposit or automatic payment and eStatement enrollment during that same cycle. Meeting all three unlocks your reward automatically. Compare Cash Rewards Checking if you'd rather earn on your balance instead.

Cash Rewards Checking earns 1.25% APY¹ on balances up to $15,000 once you meet monthly qualifications² at AACU. Balances above that threshold earn 0.15% APY on the excess amount instead. Falling short of qualifications one month drops your rate to a 0.05% base APY. Check your eligibility and open your account this cycle.

The 1.25% APY¹ tier applies only to balances up to $15,000² in your Cash Rewards Checking account. Any amount above $15,000 shifts to a separate 0.15% APY tier, so larger balances still earn something. Most everyday checking balances stay comfortably within the top tier. Compare account tiers before you open an account.

Yes, one direct deposit or pre-authorized ACH payment counts as one of three monthly qualifications for the 1.25% APY¹ rate. You'll also need twelve debit card purchases and eStatement enrollment during the same cycle. Skipping any requirement drops that month's rate to the base tier. Check your eligibility and set up direct deposit today.

Basic Checking carries a $5 monthly fee only when your daily balance drops below $500. Members who maintain that balance pay no fee at all, alongside free eStatements, online banking, and a Visa® Debit Card. AACU designed this account for straightforward, low-maintenance banking. Compare fee details against AACU's rewards checking options.

Every Basic Checking account includes a free Visa® Debit Card with the same nationwide acceptance as the rewards checking accounts. You also get access to mobile deposit, bill pay, and budgeting tools through online banking at AACU. The only difference is the absence of a rewards structure. Compare all checking accounts before you open yours.

AACU members can hold multiple savings products at once, such as a Primary Savings Account alongside a Money Fund or Certificate. Each account serves a different goal, from everyday emergency funds to longer-term growth. Reverse Tier Savings Accounts are limited to one per social security.

A standard savings account offers steady access with a modest dividend rate, while a Money Fund rewards larger balances with higher returns and the same withdrawal flexibility. AACU members building a bigger cushion often move funds once their balance grows. Check your eligibility and ask about Money Fund options.

AACU calculates and pays dividends on most savings accounts monthly, based on your average daily balance during the statement cycle. Reverse Tier Savings and Certificates follow the same monthly dividend schedule, though rates vary by product and balance tier. Review Primary Savings to see where your membership starts.

A primary savings account at AACU opens with a small initial deposit, since this account represents your membership share rather than a large balance requirement. Most new members fund it alongside a checking account or loan application in the same session. Check your eligibility and open your account online.

Yes, a primary savings account functions as a membership share account, the same product opened automatically for every new member. It establishes your ownership stake in the credit union rather than serving as a standalone savings goal. Additional savings products cover other goals separately. Compare other savings accounts once your membership is active.

Yes, your primary savings balance earns a dividend rate at AACU, calculated on your average daily balance each statement cycle. The rate is modest compared to Reverse Tier Savings or a Money Fund, since this account's main purpose is establishing membership. Review current savings rates for all AACU accounts.

Yes, members may link a savings account to checking so available funds automatically transfer to cover a shortfall before the checking account is overdrawn. Open a checking account, then contact us at 719.593.8600 or visit a branch to link an eligible savings account.

No monthly service fees when you choose to enroll in free eStatements. Check your eligibility and start your membership today.

Reverse Tier Savings flips the usual rate structure, so your first $2,000 earns the highest rate at 6.50% APY¹ instead of requiring a large balance first. A regular savings account pays one flat rate regardless of balance size. AACU built this account for members just getting started. Check your eligibility and open your account today.

Your first $2,000 in a Reverse Tier Savings account earns a top rate of 6.50% APY¹ at AACU. Balances between $2,000.01 and $5,000 earn 1.25% APY¹, with lower tiers applying as your balance grows further. The blended rate combines all applicable tiers on your statement. Compare all AACU savings accounts to see how this rate stacks up.

Yes, many members use Reverse Tier Savings specifically for a starter emergency fund, since the account rewards the first $2,000 saved most heavily. No minimum balance or monthly fee stands in the way of building that cushion. Check your eligibility and start your emergency fund today.

Once your balance passes $2,000, AACU applies a stepped-down rate: 1.25% APY¹ up to $5,000, 0.25% APY¹ up to $10,000, and lower tiers beyond that. Each tier's rate applies only to the portion of your balance within that range. Compare Basic Savings instead if you prefer a flat rate.

Twelve debit card purchases posted and cleared in your linked checking account each monthly cycle keep your Saver account earning 0.75% APY¹ at AACU. Missing that count for a month simply drops your rate until the next cycle. Open a Cash Back Rewards Checking account to start building toward that count.

Saver balances above $50,000 earn 0.15% APY¹ instead of the 0.75% top-tier rate at AACU. Balances up to $50,000² keep earning the higher rate as long as you meet monthly checking qualifications. Compare this to Reverse Tier Savings if you're building a smaller balance instead.

A Saver account at AACU requires an active Cash Rewards or Cash Back Rewards Checking account, since its rate depends entirely on that account's monthly activity. Check your eligibility and pair the two accounts together.

Your school district automatically receives a bonus whenever you open a qualifying account through this program, alongside your own personal bonus. Checking, mortgage, and auto loan products each carry a separate district bonus amount. Check your eligibility before opening an account. 

A Money Fund account at AACU, pays tiered dividend rates that increase as your balance grows, while still allowing deposits and withdrawals anytime. A $1,000 minimum balance is required to start earning dividends. Check your eligibility and open a Money Fund account today.

A Money Fund account at AACU offers the same withdrawal flexibility as a standard savings account, without the multi-month lock-in of a certificate. Members can move funds in or out as their needs change throughout the month. Compare Certificates of Deposit if you'd rather lock in a fixed rate instead.

A Money Fund account at AACU carries the same NCUA federal insurance as every other deposit account, covering at least $250,000 per depositor, per account type. Your balance stays protected the same way a standard savings account would be. Review Basic Savings to compare insured account options.

Members mention promo code PGP100 at the time of application for checking, mortgage, or auto loan products under this program. Existing members must mention the code when opening a new qualifying account or loan. Compare Auto Loans before applying with this code.

Opening a qualifying Rewards Checking account earns you a $250 bonus, while your school district automatically receives a $125 bonus upon your new account opening. Compare Cash Back Rewards Checking to choose your account today. 

A high-deductible health plan is required to open and contribute to an HSA, since the account exists specifically to offset that plan's higher out-of-pocket costs. An HSA pairs with any qualifying plan you already carry. Open an HSA online through Retirement Central once you confirm eligibility.

No the mortgage bonus applies only to a new 30-year first mortgage that closes and funds under this program. Existing 30-year mortgages don't qualify for the bonus. Compare Home Loans for AACU's full mortgage lineup. 

The $300 member bonus and $150 district bonus post automatically once a new or refinanced auto loan closes and funds under this program. No separate claim step is required. Compare Auto Loans to see current rates. 

A Traditional IRA grows tax-deferred, so you pay taxes on withdrawals in retirement, while a Roth IRA uses after-tax contributions for tax-free withdrawals later. Your current versus expected future tax bracket usually guides the choice. 

IRA contribution limits are set annually by the IRS and apply the same way across Traditional and Roth IRAs. A tax advisor or Retirement Central representative can confirm the current year's limit for your situation. Review Certificates of Deposit for another fixed-rate savings option.

An IRA certificate at AACU locks in a fixed dividend rate for terms up to 60 months, layering guaranteed growth on top of your retirement account's tax advantages. A $500 minimum deposit applies, matching standard certificates.

IRA withdrawal rules, including penalty-free ages and required minimum distributions, are set by the IRS and apply regardless of where your account is held. Retirement Central resources can walk you through your specific timeline. 

Members can roll over funds from a previous employer's retirement plan or another IRA into a new IRA through Retirement Central, keeping the tax-deferred or tax-free status intact. Retirement Central handles the transfer process directly.

Your Visa Debit Card adds to Apple Pay™, Google Wallet™, or Samsung Pay™ in a few minutes through your phone's wallet app. Card information stays encrypted and isn't stored directly on the device. Review Cash Back Rewards Checking if you're opening a new account to pair with your card.

AACU offers a 30- year fixed-rate, first-time homebuyer program, adjustable-rate, VA, FHA, jumbo, and reverse mortgage options, plus a Swing Loan for buyers who need to purchase before selling. Each loan type suits a different budget or timeline. Compare VA Loans if you qualify for military benefits.

The AACU mortgage lineup focuses on competitive rates and flexible terms rather than a separate rewards program tied to opening a home loan. Members instead benefit from local loan officers guiding the full process. Check your eligibility before starting a mortgage application.

Open a new Cash Back Rewards or Cash Rewards Checking account with a $200 deposit, then complete one debit card transaction and one qualifying direct deposit within 45 days. Mention the promo code at account opening. Check your eligibility before applying for this offer. 

RMHCS employees mention promo code NEWCHK25 when opening a brand new Rewards Checking account, whether applying online or in person at any AACU branch location. Compare Cash Rewards Checking before you apply for this offer. 

Yes qualifying RMHCS employees can also receive a rate reduction on a first mortgage purchase or refinance, on top of the checking account bonus. Talk to a Mortgage Loan Officer about current rate reduction terms.

Qualifying RMHCS employees can receive twelve full months of interest refunded on a new personal loan, deposited straight into savings after the twelfth on-time monthly payment posts. Compare Personal Loans for current rates and terms. 

The RMHCS bonus applies to new Rewards Checking accounts only, and isn't available to current Rewards Checking holders or members who closed an account within the past 180 days. Compare Basic Checking if you already hold a Rewards Checking account. 

A Swing Loan functions as a bridge loan, using two properties as combined collateral so you can buy before selling. The terms differ by lender, but the core structure matches what's commonly called bridge financing elsewhere. Compare VA Loans if military benefits also apply to your purchase.

VA loan eligibility generally requires qualifying military service, whether active-duty, veteran, or certain surviving spouses, as determined by the Department of Veterans Affairs. The mortgage team can confirm your specific eligibility before you apply. Check your eligibility for AACU membership alongside your VA loan.

Refinancing typically makes sense when current rates sit meaningfully below your existing mortgage rate, or when you need to access home equity for a large expense. The AACU team can run the numbers against your specific loan. Compare Home Equity Loans if you only need to borrow a smaller amount instead.

The First-Time Homebuyer Program offers down payment options of 1%, 2%, or 3% of the purchase price, with no mortgage insurance required regardless of which tier you choose. A qualifying rewards checking account with direct deposit is required. Compare Home Loans for our full mortgage lineup.

Yes. You must be a first-time homebuyer to qualify for this program. Additional eligibility requirements, including credit qualifications and down payment criteria, also apply. An AACU mortgage loan officer can help you review the requirements and determine if this program is right for you. Check your eligibility for AACU membership before applying.

Whether renting or buying makes more financial sense depends on how long you plan to stay, local market conditions, and your monthly budget compared to a mortgage payment. The mortgage calculator and loan officers can help you compare both paths. Talk to a Mortgage Loan Officer to run your specific numbers.

No mortgage insurance applies to the First-Time Homebuyer Program, even at the lowest 1% down payment tier, which sets it apart from many conventional low-down-payment loans. This can meaningfully lower your monthly payment. Compare Home Equity Loans if you already own and want to tap equity instead.

Yes AACU membership is required to enter the Rock On concert ticket giveaway each year. Non-members can open an account first and return afterward to submit a valid entry. Check your eligibility before entering this giveaway.

The Rock On giveaway awards two tickets to a summer concert at Ford Amphitheater to each winning entrant. Entry requires agreeing to the official sweepstakes rules and being 18 or older. Check your eligibility if you're not yet a member.

Alongside the giveaway, AACU highlights Cash Back Rewards Checking, which earns up to $25 monthly on everyday purchases, and a credit card with a 0% introductory APR for the first 12 billing cycles. Compare Cash Back Rewards Checking to open an account.

The 0% introductory APR applies to purchases and balance transfers made within 90 days of account opening and lasts for the first 12 billing cycles. A variable APR applies afterward based on creditworthiness. Compare Personal Credit Cards for full card details. 

AACU publishes official sweepstakes rules as a downloadable PDF document linked directly from the Rock On entry page, covering eligibility, odds, and full prize details. Check your eligibility for AACU membership before reviewing the rules. 

Open a new Cash Back Rewards or Cash Rewards Checking account with a $200 deposit, then complete one debit card transaction and one qualifying direct deposit within 45 days. Mention the promo code at account opening. Check your eligibility before applying for this offer. 

SMFR employees mention promo code NEWCHK25 when opening a brand new Rewards Checking account, whether applying online or in person at any AACU branch. Compare Cash Back Rewards Checking before you apply for this offer. 

Yes qualifying SMFR employees can also receive a 0.25% APY rate boost on any certificate product, applied when you mention the same promo code at account opening. Compare Certificates of Deposit to see current terms available. 

Qualifying SMFR employees can receive twelve full months of interest refunded on a new personal loan, deposited straight into savings after the twelfth on-time monthly payment posts. Compare Personal Loans for current rates and terms.

The SMFR bonus applies to new Rewards Checking accounts only, and isn't available to current Rewards Checking holders or members who closed an account within the past 180 days. Compare Basic Checking if you already hold a Rewards Checking account.

Yes Social Security, pension, and government benefit deposits all count as qualifying direct deposits toward this AACU bonus, alongside standard payroll deposits. Deposits made through a teller, Zelle, or ATM don't qualify. Check your eligibility before opening your account. 

Members mention offer code SSDBONUS when opening a Rewards Checking account online or in person at any AACU branch location. The code confirms eligibility for the $250 bonus. Compare Cash Rewards Checking before you apply. 

AACU requires at least $1,500 in qualifying direct deposits within 90 days of your new account opening, alongside one debit card purchase, to earn the $250 bonus. Compare Cash Back Rewards Checking to choose your account. 

No this bonus applies only to new Rewards Checking accounts, and isn't available to existing Rewards Checking holders or members who closed an account within the past 180 days. Compare Basic Checking if you already hold a Rewards Checking account. 

The bonus credits directly to your new AACU Rewards Checking account within 60 business days after you meet the deposit and purchase requirements. Check your eligibility and open your account to start that clock today.

A HELOC includes a 10-year advance period followed by a 10-year repayment period, during which you pay down both principal and interest. Extra payments during the advance period can reduce your balance faster. Compare Personal Loans if a fixed repayment schedule fits your budget better.

Monthly HELOC payments during the advance period equal the greater of $50 or accrued finance charges, then shift to principal-and-interest payments during the 10-year repayment period. Your specific payment depends on your balance and rate. Compare Home Loans for other AACU financing options.

A promotional HELOC rate requires opening a Cash Rewards or Cash Back Rewards Checking account with a qualifying recurring direct deposit. Without that account, the standard variable rate applies instead. Compare Cash Rewards Checking to see if you qualify for the promotional rate.

Open a new Cash Back Rewards or Cash Rewards Checking account with a $200 deposit, then complete one debit card transaction and one qualifying direct deposit within 45 days. Mention the promo code at account opening. Check your eligibility before applying for this offer. 

Open a new Cash Back Rewards or Cash Rewards Checking account with a $200 deposit, then complete one debit card transaction and one qualifying direct deposit within 45 days. Mention the promo code at account opening. Check your eligibility before applying for this offer. 

Employees mention promo code NEWCHK25 when opening a brand new Rewards Checking account, whether applying online or in person at the Steamboat Springs branch location. Compare Cash Rewards Checking before you apply for this offer.

AACU maintains an active branch presence right in downtown Steamboat Springs to serve Steamboat Ski & Resort Corporation employees and other local members directly. Check your eligibility before visiting a branch to open your new account.

Yes qualifying Steamboat Ski & Resort employees can also receive a rate reduction on a first mortgage purchase or refinance, on top of the checking account bonus. Talk to a Mortgage Loan Officer about current rate reduction terms.

Qualifying employees can receive twelve full months of interest refunded on a new personal loan through AACU, deposited into savings after the twelfth on-time monthly payment posts. Compare Personal Loans for current rates and terms. 

A Smart Solution Loan at AACU, is designed as a smaller, short-term borrowing option separate from standard personal loans and credit cards. It fills a gap for members needing a modest amount quickly. Compare Personal Loans to see how the two options differ.

Open a new Cash Back Rewards or Cash Rewards Checking account with a $200 deposit, then complete one debit card transaction and one qualifying direct deposit within 45 days. Mention the promo code at account opening. Check your eligibility before applying for this offer.

UCHealth employees mention promo code NEWCHK25 when opening a brand new Rewards Checking account, whether applying online or in person at any AACU branch location. Compare Cash Back Rewards Checking before you apply for this offer. 

Yes qualifying UCHealth employees can also receive a 0.25% APY rate boost on any certificate product, applied when you mention the same promo code at account opening. Compare Certificates of Deposit to see current terms.

Qualifying UCHealth employees can receive twelve full months of interest refunded on a new personal loan through AACU, deposited into savings after the twelfth on-time monthly payment posts. Compare Personal Loans for current rates and terms.

Yes qualifying UCHealth employees can also receive a rate reduction on a first mortgage purchase or refinance, on top of the checking account bonus. Talk to a Mortgage Loan Officer about current rate reduction terms.

AACU Skip-A-Pay program lets members skip one monthly payment on an existing consumer loan for a $35 fee, adding that payment to the end of the loan term. Real estate loans, Smart Solution Loans, and credit cards don't qualify. Check your eligibility before applying for a personal loan.

AACU verifies membership tenure and account standing before approving a Smart Solution Loan, protecting both the credit union and members from predatory lending risk. Applications process by phone or in person at any branch. Compare Personal Loans for AACU other borrowing options.

New members typically enroll in online and mobile banking first, then review account opening documents like the Agreements and Disclosures and current Fee Schedule. Review Online & Mobile Banking to get started with digital account access.

AACU provides Agreements and Disclosures, the current Fee Schedule, and the Privacy Policy as downloadable documents for every new member reviewing their full account terms carefully. Check your eligibility if you haven't completed membership yet. 

The AACU mobile app is available through the Apple App Store for iOS devices and the Google Play Store for Android devices, both linked directly from the welcome page. Review Online & Mobile Banking for the full feature list. 

The CO-OP network connects AACU members to thousands of partner credit union branches nationwide, letting you bank as if you were at your home branch while traveling. Check your eligibility before your next trip away.

The AACU Events & Happenings page lists community gatherings and financial workshops open to all members throughout each calendar year, both in-person and virtually. Review AAFCU Foundation for the charitable programs behind many of these events.

Visa® Signature Rewards earns points on purchases and carries no foreign transaction fee, while Visa® Platinum skips rewards for a lower ongoing rate starting at 12.00% APR¹. Both offer 0% intro APR for 12 billing cycles¹. Compare Visa® Signature Rewards in detail before choosing.

Neither the Visa® Signature Rewards nor Visa® Platinum card charges an annual fee at AACU. Compare Visa® Platinum Card details before applying.

Both AACU credit cards offer 0% introductory APR¹ on balance transfers for the first 12 billing cycles¹ when completed within 90 days of account opening. Standard variable rates apply afterward based on creditworthiness. Check your eligibility before applying for either card.

Members who pay their balance monthly and want points on everyday spending typically prefer Visa® Signature Rewards, while those who occasionally carry a balance often prefer Visa® Platinum's lower ongoing rate. Compare Visa® Signature Rewards to see the full points structure.

AACU Visa Signature Rewards Card offers 0% introductory APR for the first 12 billing cycles on both purchases and balance transfers, functioning as its primary new-cardholder incentive. Confirm current promotional terms before applying. Compare Personal Credit Cards to see both AACU options side by side.

The Visa Signature Rewards Card charges no foreign transaction fee, unlike the AACU Visa Platinum Card, which carries a 3% fee on international purchases. This makes Signature Rewards the better fit for frequent travelers. Check your eligibility and apply for this card today.

AACU mortgage lineup includes rewards checking pairing incentives on certain home loan programs, separate from the Visa Signature Rewards Card itself. Ask a mortgage loan officer about current pairing offers. Talk to a Mortgage Loan Officer about available bonuses.

No, the Visa® Platinum Card carries a $0 annual fee, keeping the cost of everyday use straightforward.

Yes, you can add your card to your mobile wallet for contactless, secure purchases anywhere mobile payments are accepted.

The AAFCU Foundation is the charitable giving arm established by AACU back in 2002 to promote financial education and lifelong financial responsibility across the whole community. Review Foundation Scholarship for one of its key programs.

The Foundation operates as a separate charitable entity focused on scholarships, financial education, and community grants, while AACU handles day-to-day banking and lending. Donations support the Foundation's mission specifically. Review Our Story for more on AACU core mission. 

The Foundation funds the Foundation Scholarship program, free financial education classes, and many additional resources through the Financial Wellness Center. 

Applicants must submit a completed application packet by email directly to the Foundation, including all required documents, a personal essay, and proof of enrollment at a qualifying school. Review Foundation Scholarship for full eligibility requirements. 

The Foundation relies on donations made online, by check, or in person at any AACU branch, payable to the Air Academy Federal Credit Union Foundation. Check your eligibility for AACU membership if you'd like to get involved. 

Graduating high school seniors with a minimum 3.0 GPA qualify if a parent is an AACU member, they are an AACU member themselves, or they attend one of AACU qualifying school districts. All intended majors are accepted. Check your eligibility for AACU membership if needed. 

Five $1,000 scholarships are awarded annually on a competitive basis to graduating high school seniors within AACU field of membership. Recipients are chosen based on academic merit, essay, and community involvement. Review AAFCU Foundation for the program behind this scholarship.

Application packets are submitted by email with the subject line AAFCU Scholarship Application, including all required documents. Incomplete submissions won't be considered for the scholarship. Check your eligibility before applying if you're not yet a member.

Awarded scholarship funds are sent directly to the recipient's accredited institution or deposited into an AACU account for qualifying educational expenses like tuition and books. Review Individual Retirement Accounts if you're also planning ahead financially. 

The AAFCU Foundation Committee handles all scholarship questions directly by phone extension or email, and can clarify eligibility or application requirements quickly for any current AACU applicant. Review Scholarships & Awards for AACU broader education programs.

Enrollment happens directly on AACU website or mobile app using your account number and personal details to verify identity. Most members finish enrollment in a few minutes. Check your eligibility for AACU membership before enrolling.

My Credit Manager, built into AACU online and mobile banking, lets members track their credit score, receive change alerts, and simulate how new loans or cards might affect that score. It's free with any account. Compare Personal Loans if you're planning a credit-affecting purchase.

AACU mobile app lets members update saved payment information and manage card controls directly after activating a replacement Visa Debit Card. CardSwap can also help update recurring payments automatically. Review the Visa Debit Card page for activation steps.

Mobile wallets use tokenized data instead of storing your actual card number on the device, so a lost phone doesn't expose your real card details. AACU Visa Debit Card supports this security standard across all major wallet providers. Check your eligibility before opening an account with a new debit card.

No separate download is required, since Zelle® runs directly inside AACU existing online and mobile banking platform. Members select Zelle® from the Transfers & Payments menu to enroll and start sending money. Check your eligibility for AACU membership before enrolling.

AACU charges no fee to send or receive money through Zelle®, though your mobile carrier's standard messaging and data rates may apply. This makes it a free alternative to cash or checks for trusted transfers. Review Online & Mobile Banking for other free digital tools.

Transfers between enrolled Zelle® users typically complete within minutes once both the sender and recipient have active accounts. Recipients not yet enrolled receive a notification to sign up first. Compare Mobile Wallet for another fast digital payment option.

A Zelle® payment can only be canceled if the recipient hasn't yet enrolled, found under your account's activity page by selecting the pending payment. Once a recipient is enrolled, the transfer completes immediately and can't be reversed. Check your eligibility before enrolling in Zelle®.

AACU sets its own send limits and frequency caps for Zelle® transfers, which vary by account type and standing. There's no limit on how much you can receive, though senders may face limits from their own financial institution. Review Online & Mobile Banking for full account details.

Students in kindergarten through 12th grade qualify if they attend a participating school district, are an AACU member, or have a parent who is an AACU member. Check your eligibility for AACU membership if needed before entering. 

The most recent award cycle has already closed, with the next application window not yet open. Check the program page again for updates on when the following year's entries open. Review AAFCU Foundation for the program behind this award.

Students choose one piece of original artwork and submit up to four photos of it for judging by a committee of volunteer local artists in the community. Review Foundation Scholarship for another AAFCU-funded student program. 

AACU has supported the arts in local school districts for over thirty years, awarding hundreds of thousands of dollars total through its Art Scholarship Program before this award's expansion. Check your eligibility for AACU membership to support future rounds.

Winners are notified directly by email using the address provided on their original application, and winning artwork is featured directly on the AACU website afterward. Review AAFCU Foundation for other ways the Foundation supports students.

Early Pay can make direct deposit funds available up to two business days before the scheduled payment date at AACU. Exact timing depends on when the payor sends payment instructions, so early availability isn't guaranteed every cycle. Check your eligibility and set up direct deposit to get started.

No separate enrollment is required, since Early Pay activates automatically once you set up direct deposit into an AACU checking or savings account. Members already using direct deposit are already enrolled. Review Cash Back Checking if you're opening a new account for direct deposit.

Early Pay applies to most ACH credit transactions, including payroll deposits from employers as well as other recurring electronic payments. Availability depends on AACU receiving payment instructions from the payor ahead of the scheduled date. Check your eligibility before setting up direct deposit.

Yes, Early Pay applies to direct deposits made into either a checking or savings account at AACU, not just checking. Members can choose which account receives their early-arriving funds. Review Primary Savings if you'd rather direct deposit into savings.

Yes both Quicken and QuickBooks users need to complete the same two-step reconnection process after AACU online banking URL update. The deactivate-and-reactivate steps apply equally to both platforms. Review Online & Mobile Banking for full account access details.

AACU member service team can help troubleshoot a Quicken or QuickBooks connection that won't sync after completing the standard reconnection steps. Have your account details ready when you call. Review Online & Mobile Banking for AACU support contact options.

The Resource Center links to forms, rates, calculators, account resources, and dedicated hubs for auto, mortgage, retirement, and fraud protection topics, all in one convenient place. Review Account Resources for one of these dedicated sections.

Both Forms and Calculators appear as dedicated sections directly from the AACU Resource Center's own homepage, covering everything from account closures to auto loan payoff estimates quickly. Review Forms to see the current form library.

Yes the Resource Center links directly to current AACU rates for checking, savings, certificates, and every loan type, all updated on a regular basis. Check your eligibility before opening an account at one of these rates. 

Yes the Resource Center links directly to AACU own online appointment scheduling tool, covering financial coaching, mortgage, advisor, and full business consultation appointments too, all in one spot. Review Schedule an Appointment to book a time.

Yes the AACU Resource Center stays fully publicly accessible without ever needing to log in, though some linked tools like online banking itself require member login credentials. Check your eligibility if you're not yet an AACU member. 

The Visa® Signature Rewards Card earns 4 points per dollar on Colorado Living purchases, 3 points on dining and streaming, 2 points on gas and groceries, and 1.5 points on everything else. Points redeem for cash, merchandise, or travel. Compare Visa Platinum Card if you'd rather skip rewards for a lower rate.

The Visa® Signature Rewards Card includes travel and emergency services alongside no foreign transaction fees, making it a strong option for members who travel internationally. Points can also redeem toward travel bookings. Check your eligibility before applying for this card.

AACU Visa® Signature Rewards Card offers 0% introductory APR for the first 12 billing cycles on both purchases and balance transfers made within the first 90 days of account opening. Confirm current promotional terms before applying. Compare Personal Credit Cards to see both AACU options side by side.

AACU mortgage lineup includes rewards checking pairing incentives on certain home loan programs, separate from the Visa Signature Rewards Card itself. Ask a mortgage loan officer about current pairing offers. Talk to a Mortgage Loan Officer about available bonuses.

The Visa® Signature Rewards Card charges no foreign transaction fee, unlike AACU Visa Platinum Card, which carries a 3% fee on international purchases. This makes Signature Rewards the better fit for frequent travelers. Check your eligibility and apply for this card today.

AACU connects members with Investment Services and dedicated Financial Advisors for retirement and long-term planning, alongside Individual Retirement Accounts held directly at the credit union. Insurance and protection products round out the lineup. Review Individual Retirement Accounts to compare AACU IRA options.

AACU partners with dedicated Financial Advisors to guide members through retirement and investment planning conversations. These advisors work alongside AACU IRA and insurance offerings for a fuller financial picture. Check your eligibility before scheduling a consultation.

Members can reach out directly to AACU Investment Services team or a Financial Advisor to schedule a planning conversation. No cost or obligation applies to an initial consultation. Check your eligibility for AACU membership before scheduling.

Investment Services and Financial Advisors focus on growing wealth over time through retirement accounts, while Vehicle & Loan Protection and insurance products guard against unexpected costs or missed payments. Both fall under AACU Plan & Invest umbrella. Compare Vehicle & Loan Protection for coverage details.

Provide AACU with the recipient's full name, account number, financial institution address, and routing number, along with the purpose of the transfer. Domestic wires carry a $25 fee, while international wires carry a $55 fee. Check your eligibility before requesting your first wire transfer. 

Set up a travel alert through online and mobile banking card controls, noting your departure and return dates so your debit card works normally while you're away. Review Online & Mobile Banking for step-by-step setup instructions. 

Card controls and travel alerts are managed directly through online and mobile banking rather than this page itself, though this page links you to those tools. Review Debit & Credit Card Management for full card control options.

All account forms are available in one place through the Forms section linked directly from Account Resources, covering everything from account changes to loan documents you need. Review Forms to search the current form library. 

Share AACU address, routing number, your full name, and your account number with the sending institution. AACU full wire transfer instructions are available as a downloadable document for your reference. Check your eligibility before setting up incoming wires. 

Rates are subject to change and typically reviewed regularly, so the rate you see today may differ from what's available when you actually open an account. Check your eligibility before locking in a current rate. 

Mortgage rates are listed entirely separately from deposit and loan rates, covering fixed mortgages, first-time homebuyer options, adjustable-rate mortgages, and home equity products too. Talk to a Mortgage Loan Officer to discuss current mortgage rates.

Some accounts, like Cash Rewards Checking, require qualifying activity such as regular direct deposit and debit card transactions to earn the top advertised rate tier available. Compare Cash Rewards Checking to see specific qualification requirements.

Certificate rates vary quite a bit based on the term you choose, ranging from short 3-month terms to longer 60-month terms, each with its own dividend rate and APY. Compare Certificates of Deposit to see all current terms.

This page lists auto, motorcycle, recreational vehicle, personal loan, and line of credit rates side by side, making it easier to compare options before applying. Compare Personal Loans if a personal loan fits your needs.

AACU accepts online payments by debit card or bank account, payments by phone, in-person payments at any branch, and payments by mail. Autopay is also available through online and mobile banking. Review Online & Mobile Banking to set up autopay.

Online payments carry a processing fee: $4.95 for an eCheck payment or $9.95 for a debit card payment. Phone and in-person payments don't carry this specific processing fee. Check your eligibility before setting up your preferred payment method.

Online payments by debit card or bank account carry a limit of $5,000 per payment. Larger payments should be made by phone, in person, or by mail instead. Review Payment Assistance if a large payment is creating hardship.

You can pay by phone, in person at any branch during business hours, or by mailing a payment to AACU P.O. Box address. Logging into online banking is only required for autopay setup. Review Debit & Credit Card Management for other account tools.

Mail loan payments to Air Academy Credit Union, P.O. Box 62910, Colorado Springs, CO 80962-2910. Include your account number on the check to ensure proper posting. Check your eligibility before setting up a new loan payment method.

Membership reaches beyond military families to educators, first responders, healthcare workers, small business owners, and employees of hundreds of local employer groups. Family members of current members also qualify. Review Our Story to learn more about AACU membership history.

AACU was chartered in 1955 to serve cadets and officers at the newly established Air Force Academy, and has served the Colorado Springs area for seven decades since. Membership has expanded well beyond that original charter over the years. Review Our Story for AACU full history.

AACU supports local causes through the AAFCU Foundation, scholarship programs, and financial education initiatives for the community. Employees also volunteer directly at community events throughout the year. Review Scholarships & Awards for AACU education-focused giving.

AACU Careers page covers open positions, benefits, and workplace culture, including a dedicated Internship Program for students building financial services experience. The credit union has been recognized as a Best Workplace since 2017. Review Careers for current openings.

The right tool depends on loan type: use the Auto Loan Calculator for a vehicle purchase, the Personal Loan Calculator for a signature loan, or the Mortgage Calculator for a home purchase. Review the Mortgage Calculator if a home purchase is next for you. 

A separate Home Affordability Calculator on the AACU site estimates how much home fits your budget, distinct from the standard Mortgage Calculator used once you already have a specific price in mind. Review the Mortgage Calculator once you're ready to estimate a payment.

AACU calculators use whatever rate you enter yourself rather than pulling a live rate automatically, so results reflect your own estimate, not a guaranteed offer. Review current rates before entering a number into any calculator. 

A separate Rent vs. Buy Calculator on the AACU site compares both paths side by side, distinct from the calculators covered elsewhere in this batch. Review the Home Refinance Calculator if you already own and are considering refinancing instead.

Results display on screen right after you enter your numbers, though whether a save or export feature exists depends on the specific calculator's build. Check your eligibility and talk to a loan officer to discuss your results directly.

AACU offers business checking, business savings, IOLTA trust accounts, business loans, business credit cards, and services like payroll and merchant processing. Every product ties back to one online banking login. Compare Business Checking to start your account.

Business members can call the Business Services Team directly or email to schedule a consultation about checking, savings, loans, or services. A dedicated commercial lending team also handles larger financing conversations. Review Meet The Team to see who you'd work with.

As a not-for-profit, AACU returns value to business members through lower fees and local decision-making rather than distributing profit to shareholders. Business Services and Commercial Lending teams stay based in Colorado. Compare Business Loans for commercial lending options.

A free business checking carries no minimum balance requirement after the $100 opening deposit. The interest-bearing option also requires no minimum balance to earn its 0.25% APY. Compare Business Savings if you're also opening a savings account.

A free business checking carries no transaction fees or limits, keeping costs predictable regardless of activity volume. The interest-bearing option follows the same no-transaction-fee structure alongside its $15 monthly fee. Check your eligibility and open a business checking account online.

AACU offers a one-time Due Date Change of up to 15 days, a Skip-A-Pay option available up to four times over the life of a loan, and a Hardship Modification for significant life changes. Check your eligibility before requesting any assistance option. 

AACU business savings account opens with a $5 minimum balance, making it accessible for businesses of any size. The account includes free online banking and account-to-account transfers. Compare Business Checking to pair with your savings account.

Call AACU directly to request a Due Date Change or Skip-A-Pay, or email the credit union to start a Hardship Modification request, which requires an application and credit review. Review Make A Payment for standard payment options too.

Yes AACU business savings account earns dividends, and businesses with larger reserves can move funds into the tiered Business Money Fund for a higher rate. Both options stay fully liquid. Check your eligibility before opening either account.

AACU business savings and Business Money Fund accounts both allow deposits and withdrawals at any time, without the transaction limits some savings products impose. This keeps reserves accessible when your business needs them. Review Business Services for additional cash management tools.

A Due Date Change or Skip-A-Pay typically doesn't report as a missed payment since the arrangement is made proactively with AACU. A Hardship Modification involves a credit review as part of its application process. Check your eligibility before applying for assistance.

A Hardship Modification provides a one-time, 60-day payment relief option over the life of the loan, with deferred payments added to the end of the loan term. A fee and application are required. Review Make A Payment for standard payment options too.

Most consumer loan holders qualify for Skip-A-Pay, though it doesn't apply to real estate loans, Smart Solution Loans, overdraft repayment loans, lines of credit, or credit cards. A $35 one-time fee applies. Check your eligibility before requesting a skipped payment.

Attorneys and law firms holding client funds in Colorado are generally required to maintain an IOLTA account under state bar rules. An IOLTA account is built specifically to meet that compliance standard. Review Business Checking if you also need a firm operating account.

The center covers Money Basics, credit education, debt management, homeownership, borrowing power, savings strategies, military and veteran resources, fraud awareness, and full retirement planning topics. Review What Is Credit for one of these key topics. 

All Financial Wellness Center guides and resources are completely free to access right now, whether or not you're currently an official AACU member yourself. Check your eligibility if you'd like to become a member too.

A dedicated Managing Debt section helps members assess exactly what they owe, build a fully realistic budget, and explore consolidation options to regain complete full control. Review Borrowing Power for related loan and credit information. 

Business loan applications typically require financial statements, business registration, and details on the specific project or equipment being financed. The Commercial Lending Team can confirm exact requirements for your loan type. Check your eligibility before starting an application.

Yes, the Commercial Lending Team finances acquisition and improvement of commercial real estate as part of its conventional loan lineup. SBA 504 loans also support owner-occupied real estate purchases. Talk to the Commercial Lending Team about real estate financing.

Every guide and resource on this page is available to browse anytime online, though scheduling time with a Financial Coach is also available for personalized guidance. Review Schedule an Appointment to book a coaching session. 

A working capital line of credit is available through the Commercial Lending Team, designed specifically to smooth out cash flow gaps rather than fund a one-time purchase. Terms depend on your business's financial profile. Talk to the Commercial Lending Team about your specific needs.

Approval timelines vary by loan type and complexity, with SBA loans typically taking longer than conventional commercial loans due to additional documentation requirements. Our local decision-making can speed up the process compared to larger national lenders. Check your eligibility before applying.

A dedicated Military and Veteran's section offers fully personalized resources for debt, income issues, and unexpected expenses specific to military families everywhere today. Review Homeownership if a home purchase is part of your next chapter.

Log in and select Transfer & Payments, then Bill Payer, and follow the prompts to add a new payee using their name, account number, and payment address. Once added, you can make one-time or recurring payments. Check your eligibility before enrolling in online banking.

Direct deposit switching typically happens through your employer's payroll system using your new AACU account and routing numbers, rather than inside online banking itself directly. Review Account Resources for your routing number and account details.

Tap Deposit A Check on the home screen, select an account, enter the check amount, then photograph the endorsed front and back of the check before submitting. Mobile deposit is only available through the mobile app. Review Debit & Credit Card Management for other account tools. 

From the Bill Payer screen, tap or click +Payee and enter the payee's name, account number, and payment address, then confirm before making your first payment. The same process works on both desktop and mobile. Check your eligibility before setting up bill pay.

This guide covers most common features step by step, but a quick phone call connects you with a team member for anything not covered here. Review Schedule an Appointment if you'd prefer a scheduled conversation instead.

The Visa® Business Credit Card is designed with expense management in mind, though specific employee card details haven't been finalized publicly yet. Contact the Business Services Team for current information. Review Business Services for other expense management tools available now.

A business credit card is planned to include cashback rewards redeemable at everyday retailers, though the exact earning structure hasn't launched publicly. Check back for updated details as the program rolls out. Compare Personal Credit Cards for additional cred card options.

No annual fee is planned for the business credit card, matching the fee structure of our personal Visa® cards. Introductory interest rates are also expected at launch. Check your eligibility for AACU business membership ahead of launch.

Use the toggle button in Card Controls within online or mobile banking to enable or disable your debit card instantly. The setting stays in place until you change it again. Review Online & Mobile Banking for full Card Controls steps.

AACU offers Individual Retirement Accounts, access to a Financial Advisor for planning topics like 401k rollovers and mutual funds, and free resources through the Financial Wellness Center. Review Individual Retirement Accounts to compare AACU IRA options. 

Card control features through online and mobile banking are planned for our business credit card, similar to personal card management tools already available. Full expense tracking details will be confirmed closer to launch. Review Business Services for current expense management options.

Financial Advisor consultations at AACU are available to members through the credit union's own investment services partnership, covering retirement, mutual funds, business planning, and several other topics too. Review Schedule an Appointment to book a time.

Select Travel Notifications under Card Controls, choose your card, and enter your departure and return dates along with a contact phone number. The alert clears automatically on your return date. Check your eligibility before your next trip requires a new card.

Credit limits for the upcoming business credit cards will depend on the business's financial profile and creditworthiness, following standard underwriting practices. Specific limit ranges haven't been published yet. Talk to the Commercial Lending Team for current business financing options.

It's never too early to open an IRA and start building retirement savings, even in small amounts, since compounding growth rewards an early start the most. Review Individual Retirement Accounts to open an account today. 

Debit card image customization is not available on debit cards. 

The Retirement Center at AACU links directly and clearly to Individual Retirement Account options, alongside financial advisor access for broader long-term retirement and investment planning conversations too. Review Individual Retirement Accounts for current IRA terms. 

Log in through online and mobile banking and navigate to AACU credit card located under the Transfers & Payments drop down. You can find your statements on the right hand navigation bar. Rewards points are tracked separately through the CURewards portal. Check your eligibility before applying for an AACU credit card.

The Financial Wellness Center's retirement resources and educational content are free for members to access, while financial advisor services may involve fees or account minimums depending on the service. Check your eligibility if you're not yet an AACU member. 

Call the 24-hour lost, stolen, or fraud service line immediately to report suspicious activity on a debit card, or the separate Platinum or Signature credit card service number depending on your card type. Review Online & Mobile Banking for all service numbers.

Our merchant processing runs through a NewtekOne® partnership, accepting all major credit cards with 24/7 U.S.-based support and mobile payment options. Setup connects directly to your AACU business accounts. Check your eligibility before setting up merchant processing.

Yes, AACU customizes ACH transaction limits to match each business's specific needs, alongside built-in security features designed to prevent fraud. Limits adjust as your business grows. Talk to the Commercial Lending Team about scaling your account limits.

To apply, email the Business Services Team directly by phone or email to get started. Most services activate quickly once your business account is open. Check your eligibility before applying for business services.

Use the Auto Loan Payoff Calculator with your vehicle's VIN and desired payoff date to get an exact balance for that specific day. Review the Auto Loan Payoff Calculator to run your specific numbers today.

Your loan agreement requires maintaining certain insurance coverage levels, and AACU needs proof on file to confirm you're meeting that obligation. Missing documentation typically triggers a mailed notice requesting updated proof. Check your eligibility before financing your next vehicle.

You may receive a letter requesting updated proof of insurance, which you can submit using the reference ID and control number listed on that notice through AACU verification form. Review Payment Assistance if a related cost is creating hardship.

Auto loan members can pay online, by phone, in person, or by mail, with autopay also available through online and mobile banking at any time. Review Make A Payment to compare all payment methods and fees.

GAP, or Guaranteed Asset Protection, covers the difference between your vehicle's cash value and your remaining loan balance if the car is totaled subject to vehicle loan to value limitations. GAP coverage includes a 60-day refundable free-look period. Check your eligibility before requesting a GAP quote.

AACU offers Due Date Change, Skip-A-Pay, and Hardship Modification options for members facing genuine payment challenges on an existing auto loan right now. Review Payment Assistance to explore which option fits your current situation best.

Mechanical Breakdown Protection can transfer to another vehicle if you sell your car, preserving the coverage you already paid for. GAP coverage typically ties to the original loan instead. Review Auto Loans if you're financing a new vehicle.

 Debt Protection covers major life events including death, disability, and involuntary unemployment, suspending your loan obligation without penalty or added interest. Full qualifications appear in your Debt Protection Program Agreement. Compare Personal Loans if you're considering new financing.

Yes, involuntary unemployment is a covered event under Debt Protection, allowing you to suspend loan payments without penalty during that hardship. Documentation requirements apply per your program agreement. Check your eligibility before adding loan protection.

Claims for Mechanical Breakdown, GAP, or Debt Protection run through a third-party protection partner rather than the credit union directly. Contact information appears in your specific program agreement or product reference card. Check your eligibility before adding any protection plan.

Our mission centers on doing what's right for members rather than what's easiest, treating the credit union as a community partner rather than a distant financial institution. This shows up in product design and local decision-making alike. Review About Us for more on our structure and values.

AACU supports the community through the AAFCU Foundation, scholarship programs for students, and financial education classes offered free to the public. Employees also volunteer directly at local events throughout the year. Review Scholarships & Awards for AACU education-focused giving.

The credit union philosophy of people helping people reflects AACU not-for-profit, member-owned structure, where profits return to members rather than outside shareholders. Local decision-making keeps that philosophy practical rather than just a slogan. Check your eligibility and become part of that structure.

AACU original 1955 charter served cadets, officers, and civilians tied to the Air Force Academy at Lowry Air Force Base, before the Academy itself relocated to Colorado Springs. That military heritage remains part of AACU identity even as membership has broadened. Review About Us for AACU full membership scope today.

Vacation time
AACU offers paid vacation time for all full and part-time employees. This accrues each pay period. The number of hours accrued depends on length of employment.

Sick Leave
AACU offers paid sick leave for all full and part-time employees.

AACU does have paid holidays for all full-time employees. 

AACU has a 401K matching contribution that is one of the best in the industry. For every dollar you contribute up to 6% of your compensation, AACU may contribute one dollar. Two year vesting schedule (must work 1,000 hours minimum per year to count as service year). The plan includes multiple investments and an option for a Roth 401K.

AACU is a continual learning organization that encourages and supports employee self-development and education. AACU offers tuition reimbursement for undergraduate and graduate educational reimbursement to all full-time employees who have completed at least 90 days of service or part-time employees who have worked a minimum of 500 hours and 6 months of service.

Employees may receive up to a maximum of $5,250 per calendar year in tuition reimbursement, (application fees, books, and course fees are excluded) for undergraduate level course work that meets the requirements of the program specifications. Employees may receive educational reimbursement for graduate programs within a related field of study that meets the requirements of the program specifications.  

On-site training offered every Wednesday morning from 8:00-10:00am utilizing E-learning modules and in person training.

AACU offers medical, dental and vision insurance to full-time employees and their dependents. We partner with major carriers to provide our employees the service they deserve.

Arrangements for childcare and medical expense reimbursements (eligible to full-time employees).

Short Term and Long Term Disability: AACU provides options that offer income replacement in the event of a disability that prevents an employee from working for a period of time.

Basic Life Insurance and AD&D
AACU provides full-time employees, at no cost to you, with group life and accidental death and dismemberment (AD&D) insurance.

Voluntary Life
AACU offers full-time employees the opportunity to purchase additional group life insurance for themselves, and their dependents.

Provides supplemental insurance for individuals to help pay benefits major medical insurance doesn't cover.

A Select Employee Group is an employer, school district, or organization whose employees, students, or members qualify for AACU membership through that specific ongoing affiliation. Check your eligibility to see if your employer already participates.

Search the alphabetical directory on this page by employer name to check whether your own workplace is a current Select Employee Group partner right now. Review SEG List for another way to search participating employers.

Family members of an eligible employee typically also qualify for membership too, extending the exact same Select Employee Group eligibility across an entire household right now today. Check your eligibility to confirm family membership options.

Becoming a Select Employee Group carries absolutely no direct cost to the business at all, since AACU handles every single bit of the setup and rollout support entirely. Review SEG Eligibility for full partnership details. 

Hundreds of employers, school districts, and organizations across Colorado already participate as AACU Select Employee Groups today, spanning nearly every letter of the alphabet. Review SEG Eligibility if your organization wants to join that list.

AACU offers in-person, hybrid, and remote online notarization closing options, depending on your loan and what needs to be signed at closing. Talk to a Mortgage Loan Officer to confirm which closing option fits your situation.

Value Check® lets you look up an estimated value for any Colorado home directly through the Mortgage Center, free of charge and with no obligation. Compare Home Equity Loans if you're considering tapping that value.

The First-Time Homebuyer Guide walks through buying readiness, all homebuying costs, understanding your credit basics, and getting fully pre-qualified for a new mortgage loan today. Review the First-Time Homebuyer Guide to start reading right away.

Proof of insurance is required as part of your home loan agreement, and AACU provides a verification form to keep your records current if a notice was mailed to you. Check your eligibility before closing on a new mortgage.

Use AACU appointment scheduling tool to book time with a mortgage loan officer directly, or call to ask questions about the First-Time Homebuyer Guide or your specific situation. Review Schedule an Appointment to book a time.

Joint owners typically retain access to the AACU account, though it will still be reviewed and may require updates to the ownership records on file. Review Account Resources for other account management tools during this process.

A member service representative will review any outstanding loans, and loan protection like credit life insurance may apply if the member had it. Remaining balances become the responsibility of the estate. Review Payment Assistance if the estate needs help managing payments. 

Online access to a deceased AACU member's account is restricted once AACU is notified of a passing, until proper documentation is reviewed and approved by the Administration Support Team. Check your eligibility if you're a beneficiary considering your own membership.

You don't need to visit a branch in person. Documents can be mailed, securely uploaded, or faxed, and a member service representative will work with you remotely throughout the process. Review Members Who Move if you're also managing your own account from out of state. 

Timelines vary based on documentation and estate complexity. Simple cases may settle within a few business days of complete submission, while estates involving probate can take considerably longer.

No. IDCheck does not accept Military IDs. Federal regulations prohibit the photocopying of military identification, so military IDs cannot be used with IDCheck.

Accepted forms of identification include out-of-state driver's licenses, U.S. passports, permanent resident cards, and valid Matricula Consular ID cards. Concealed carry licenses are only accepted at credit unions located in Texas.

Call AACU at 719.593.8600 or 800.223.1983 during regular business hours right away if you receive a suspicious call, text, or email, or have already shared account information. Review Fraud & Security Center for more prevention resources.

Call 866.820.9793 as soon as possible to report fraud specifically on your own AACU Visa® Debit Card, separate entirely from the general fraud reporting line. Review Debit & Credit Card Management for other card protection tools. 

Call AACU immediately even if you've already shared account details with someone, since acting quickly helps limit potential damage and secure your account fast. Review Common Scams to understand how the scam may have started.

This page's contact numbers are the same channel used to report a Zelle® scam, so call right away if you clicked a suspicious link or shared information. Review Common Scams for common Zelle® scam patterns. 

You can report a fraud and receive 24-Hour service by calling 866.820.9793.

The guide covers whether buying is right for you, homebuying costs before and after closing, understanding your credit score, and getting pre-qualified. Review Is Buying a Home Right for You to start with the first section.

The guide is written with first-time buyers in mind, though the fundamentals on credit, costs, and pre-qualification apply to repeat buyers navigating the process again too. Talk to a Mortgage Loan Officer for guidance specific to your situation.

The First-Time Homebuyer Program, which offers down payments as low as 1% and no mortgage insurance for those who apply today. Review the First-Time Homebuyer Program for full program details.

A dedicated section walks through exactly what pre-qualification involves and how a loan officer works closely alongside your own trusted local real estate agent throughout the entire process. Review Getting Pre-Qualified for the full walkthrough.

A phone call connects you directly with a mortgage loan officer who can answer questions specific to your own unique situation beyond what this guide covers. Talk to a Mortgage Loan Officer for one-on-one guidance.

Your credit score is shaped by payment history, credit utilization, length of credit history, types of credit used, and recent credit inquiries. Payment history and utilization typically carry the most weight. Review Debit & Credit Card Management for card-related account tools.

My Credit Manager, available through AACU own online and mobile banking, lets you track your score and review insights without any real impact to your credit. Review Online & Mobile Banking to set up My Credit Manager.

Applying for several credit accounts in a short window can lower your score temporarily, since each hard inquiry is factored into your credit history. Applying strategically helps limit this effect. Compare Personal Credit Cards before applying for a new card.

Lenders like to see a mix of credit types, such as credit cards, auto loans, and mortgages, since it demonstrates your ability to manage different forms of debt responsibly. Compare Auto Loans if you're building credit with your next loan.

Building strong credit takes time and consistency, since length of credit history is one of the factors lenders weigh most heavily. Making on-time payments early and often matters most. Check your eligibility to open your first AACU account.

Value Check® provides an automated estimate based on public property data and recent sales, so treat it as a helpful starting point rather than a formal appraisal. Talk to a Mortgage Loan Officer for a more precise valuation before refinancing.

AACU membership isn't required to look up a home's estimated value using Value Check® — no sign-in at all is needed. Anyone can search any Colorado property directly from the tool. Check your eligibility if you'd like to explore AACU membership too.

Value Check® at AACU is built specifically for Colorado properties, so results for homes outside the state may be limited or entirely unavailable to view. Review the Home Refinance Calculator for refinance planning regardless of location. 

Many AACU members use Value Check® to get a rough equity picture before they start a full refinance conversation with their own dedicated loan officer. Review the Home Refinance Calculator to estimate potential savings next.

Value Check® at AACU is completely free to use for every visitor, with absolutely no cost or obligation tied to searching any home's estimated value online. Check your eligibility and explore AACU mortgage options whenever you're ready.

A hybrid closing lets you sign most documents electronically but still requires an in-person meeting to notarize remaining paperwork. Remote Online Notarization completes the entire signing, including notarization, through a secure video session. Compare Home Loans to see which loan types qualify. 

You'll need a computer, tablet, or smartphone with a working camera and microphone, plus a stable internet connection and a government-issued ID for identity verification. Talk to a Mortgage Loan Officer to confirm your device meets requirements.

Employees gain access to banking products designed to keep more money in their pocket, custom loan solutions, online and mobile banking, and free financial coaching. Students in SEG families also gain scholarship and internship access. Review Our Story to learn more about AACU member-first approach.

In-person closing remains available at AACU for first mortgages, second mortgages, and HELOCs if you'd rather sign everything the traditional way in person. Talk to a Mortgage Loan Officer to schedule your preferred closing type. 

Fully remote closing through Remote Online Notarization is limited to HELOCs only at AACU. First and second mortgages currently offer in-person or hybrid closing options instead. Compare Home Equity Loans if a HELOC fits your situation.

Depending on your loan and state requirements, certain notarized documents may still require an in-person signature even with a hybrid closing. Your closing team will confirm exactly which documents apply. Check your eligibility before starting your mortgage application. 

The Employer Hub outlines what Select Employee Group partnership offers both employees and organizations, along with next steps for getting started. It serves as the main reference point for partner communication. Review SEG Eligibility for full partnership requirements.

Yes, the Employer Hub connects partner organizations to a dedicated Business Development contact for ongoing questions and updates about the SEG partnership. New and existing partners can reach out through the same channel. Check your eligibility if you're a member connected to a partner organization.

HR teams typically distribute SEG partnership materials during onboarding or benefits enrollment, pointing employees toward membership eligibility and account options. AACU provides templates and support to make this rollout simple. Review SEG Perks for benefits HR teams can highlight.

A dedicated Business Development contact maintains ongoing relationships with Select Employee Group partner organizations, serving as the main point of contact for both new and existing partners. Check your eligibility if your employer already partners with AACU.

A consumer loan is money borrowed from AACU that you repay over time, usually with interest, helping cover major expenses, consolidate debt, or make purchases without draining savings. Compare Personal Loans to see current terms.

AACU offers personal loans, auto loans, home loans and home equity loans, Smart Solution Loans for quick cash needs, and business loans for entrepreneurs. Each serves a different borrowing purpose. Compare Auto Loans if a vehicle purchase is next. 

Personal loans typically carry fixed rates and predictable monthly payments, making them well suited to one-time expenses, while credit cards offer ongoing flexibility for recurring everyday purchases. Compare Personal Credit Cards to compare both options.

SEG perks commonly include checking account bonuses, mortgage rate reductions, certificate rate boosts, and personal loan interest refunds, layered on top of AACU standard account benefits. Review SEG List to find perks tied to your employer.

AACU allows members to refinance an existing auto loan to secure a better rate or a lower monthly payment, the same process used when financing a new purchase. Compare Auto Loans to see current refinance rates.

A Smart Solution Loan is a short-term loan designed to provide quick access to cash when unexpected expenses come up, offering an alternative to costlier short-term borrowing options. Check your eligibility before applying for this loan type.

The local offer page also highlights AACU First-Time Homebuyer Program, offering down payments as low as 1% and no mortgage insurance for members who qualify as buyers. Review the First-Time Homebuyer Program for full program details.

Consider how long you plan to stay in the home, what fits your budget, and whether HOA or property taxes apply, since these all affect your true monthly cost. Review Homebuying Costs for a full cost breakdown.

A Swing Loan lets you use the equity in your existing home to help secure your new home purchase, bridging the gap before your current home sells. Talk to a Mortgage Loan Officer to see if this fits your timeline.

Eligible service members, veterans, and military family members can take full advantage of VA loan benefits offered directly through AACU, including no down payment and favorable loan terms. Compare VA Loans for full eligibility details.

HOA or POA fees typically cover shared services like landscaping, snow removal, and amenity maintenance, and can vary widely, so factoring them into your budget matters before you buy. Review the Budget Calculator to plan around these costs.

AACU Mortgage Experts guide members through the full range of loan options available to find the best fit for their own specific homeownership goals. Talk to a Mortgage Loan Officer to start that conversation.

AACU partners closely with KnowBe4 to offer a free interactive Home Internet Security course, covering password tips, safe online banking, and protecting children online at home safely too. Review Best Practices for related safety tips.

Use the course link on the Financial Learning page and enter the password to get started, completing topics at your own pace or skipping to what interests you most. Check your eligibility if you're not yet an AACU member.

Explore some reading material within the resource center which includes real, practical articles on paydown debt strategies, building credit, and prioritizing personal savings, among several other useful financial topics. Review What Is Credit for more on building your score.

The Financial Wellness Center at AACU covers credit basics, homeownership, borrowing power, retirement planning, and fraud awareness, all together in just one convenient central resource hub. Review Retirement Resources for one of its key sections.

Members have full access to a dedicated Financial Advisor for guidance on topics like 401k rollovers, mutual funds, retirement planning, and various other useful business services too. Review Retirement Center to explore related planning tools.

Retirement planning unfolds across pre-retirement saving, early retirement Social Security decisions, mid-retirement income management, and late retirement legacy planning stages. Each stage calls for different priorities. Review Individual Retirement Accounts to support your saving stage.

You can begin Social Security as early as 62, though waiting until full retirement age or later typically results in higher monthly payments. The right timing depends on your full financial picture. Review Retirement Center for broader retirement planning tools.

AACU Individual Retirement Accounts support contribution planning, withdrawal guidance, and long-term retirement goals, with account options suited to many different personal tax situations right now. Review Individual Retirement Accounts to compare current IRA options.

Mid-retirement calls for carefully balancing income from Social Security, pensions, and personal savings, while also closely managing withdrawal strategies, taxes, and steadily rising healthcare costs. Talk to a Financial Advisor for personalized income planning guidance.

Late retirement planning through AACU resources covers estate planning, reviewing wills and trusts carefully, and preparing fully for potential long-term care needs well down the road. Check your eligibility before scheduling a planning conversation.

AACU will never contact you to ask for your account number, online banking ID, password, PIN, secure access code, CVV, or social security number, by phone, text, or email. Review Report Fraud if you've already shared this information.

Call AACU immediately using the official phone number listed here to report suspicious activity right away, rather than directly responding to a suspicious call, text, or email yourself. Review Report Fraud for direct contact numbers.

Scammers often pose as your financial institution through email, text, or phone calls, using pressure tactics to request sensitive information. Legitimate companies won't demand this urgently. Review Common Scams for specific examples to watch for.

AACU points members toward the Better Business Bureau's own Scam Tracker and other helpful resources to stay well informed on evolving scam tactics and protect all personal information. Review Best Practices for practical safety tips.

AACU partners closely with its debit card processor to monitor for unusual activity around the clock, reaching out by text or call when something looks off. Review Best Practices for more on this alert system.

Never share your account number, online banking login, password, social security number, secure access code, or PIN with anyone, since legitimate companies never ask for these directly. Review Fraud & Security Center for more protection resources.

Lock your phone with a unique PIN, use a VPN on public WiFi, enable two-factor authentication, and uninstall apps you no longer use to reduce your exposure. Review Online & Mobile Banking for app-specific security settings.

A strong password combines lowercase and uppercase letters, numbers, and special characters all together, while always avoiding easily guessed details like birthdays or simple repeated sequential numbers. Check your eligibility before enrolling in online banking.

AACU partners with its debit card processor for 24/7 monitoring, reaching out by text or automated call when unusual activity is detected on your card. Review Debit & Credit Card Management for other card protections.

Avoid clicking links in unexpected emails, even ones that look legitimate, and instead contact AACU directly using a phone number or website you already know is valid. Review Common Scams for common email scam patterns.

Watch for an online romance where the other person soon starts asking for money, whether for emergencies, travel expenses, bills, or investment opportunities promising big returns. Review Report Fraud if you suspect a romance scam.

Scammers claim you were overpaid or overcharged for a service, ask you to process a refund, then pressure you to return funds by cash, check, or wire transfer. Review Account Resources to review recent activity if you're unsure.

Be cautious of pressure to invest quickly, guaranteed high returns, or requests for access to your own crypto wallet from an online contact claiming special insider knowledge. Review Report Fraud if you've encountered this pattern.

AACU will never send you a link by text or email asking for your account number, password, secure access code, or PIN related to Zelle transfers. Review Report Fraud if you've clicked a suspicious link.

Government agencies won't call demanding payment in cash or gift cards for alleged charges against you, so treat any such call as a scam and contact AACU directly instead. Review Best Practices for more prevention tips.

test question new

New Page FAQ

Established in 1978, the Foundation is dedicated to advancing the mission of nationally ranked Children’s Hospital Colorado, a nonprofit pediatric health system with 17 locations.

Round Up is a free feature that rounds qualifying debit card purchases to the next whole dollar. The difference is transferred from your enrolled checking account to an eligible savings account you choose or to Children's Hospital Colorado Foundation.

No. There's no participation fee to use Round Up.

You can enroll one eligible checking account in Round Up at a time.

You can choose one eligible savings account or Children's Hospital Colorado Foundation to receive your Round Up transfers.

Yes. Choose Children's Hospital Colorado Foundation as your Round Up destination instead of an eligible savings account.

It depends on how often you make qualifying debit card purchases and the amount of each Round Up. Every qualifying purchase can create another small transfer, giving those amounts the chance to build over time.

Each Round Up amount is transferred from the checking account you enrolled in the feature. 

How do I enroll?

Enrolling in Round Up is just a few steps:

• Sign in to Online Banking.
• Under Transfers and Payments, select Round Up Enrollment
• Choose the checking account connected to the debit card you want to enroll
• Choose where you'd like your Round Up transfer to go: an eligible savings account or Children's Hospital Colorado Foundation.

In online banking, return to your Round Up settings. Leave the "Send round ups to" field blank and submit your changes to remove the enrollment. 

This merger allows both credit unions to combine strengths, expand resources, and continue serving members with the local care and personal service they expect. Together, we'll be able to provide more products, more convenience, and long-term value for members.

At this time, your member experience will remain the same. You can continue using your current accounts, cards, checks, online banking, and branch services. We'll share updates before any changes take place.

Yes. As part of the merger, account information will change in early 2027. 

Members will be notified well in advance of the transition and will receive detailed information about what is changing, important dates, and any actions that may be required.

No member-facing changes are taking place at this time.

PGAFCU members can continue banking as they to today. The majority of account and system changes are expected to occur during the transition in early 2027. Members will receive advance notice and detailed instructions before any changes take effect. 

Yes. PGAFCU members can continue using their current debit cards and checks as they do today. 

New debit cards will be needed as part of the transition in early 2027. We will communicate any important dates and next steps well in advance.

Yes, but not right away. PGAFCU members should continue using their current online and mobile banking services as they do today. No action is needed at this time.

As part of the transition in early 2027, members will begin using AACU online and mobile banking platform. We will communicate any changes well in advance and provide clear guidance throughout the process.

No. There is nothing you need to do at this time.

Current direct deposits, automatic payments, and recurring transactions will continue to work as they do today. As part of the transition in early 2027, we will provide clear instruction before action is needed.

For now, it's business as usual.

PGAFCU members can continue using their accounts, debit cards, checks, direct deposits, automatic payments, online banking, and branch services just as they do today. Most member-facing changes occur during our transition in early 2027, and members will receive regular updates and guidance throughout the process. 

Yes. As part of the merger, AACU members will gain access to two additional branch locations in Pueblo and Florence beginning in early 2027. 

Members will continue to enjoy the products and services they use today, with the added convenience of expanded branch access in southern Colorado. 

If you’re an AACU member, you can sign up for your free ¹ subscription on Greenlight’s website. If you’re new to AACU, and/or a current Greenlight customer, you’ll find instructions on signing up for your free account there, too.

If you already have a Greelight account, log in to AACU online or mobile banking and select Greenlight to get started. During enrollment, select the option to connect an existing account and follow the instructions provided. Depending on your current Greenlight plan or subscription, some features may change when you switch. 

As an AACU member, your Greenlight subscription is free¹.

AACU members receive Greenlight's SELECT plan at no cost. Your SELECT plan includes debit cards for up to five kids, money management tools, chores and allowance features, and financial education.

Update your contact information, verify direct deposits and automatic payments, and contact AACU if you have questions about your accounts and loans.

AACU members have access to surcharge-free ATM networks and Shared Branching locations nationwide, making it easy to access funds and complete everyday transactions wherever life takes them.

In many cases, yes. Product availability may vary based on state regulations and eligibility requirements.

Yes. Mobile deposit allows you to deposit eligible checks through the AACU mobile app.

Yes. Once you're a member, your membership remains active even if you relocate.