A A A Federal Credit Union

Information may not be reliable

AAA Federal Credit Union is a community based credit union dedicated to serving those who live, work, worship, attend school or volunteer in St. Joseph County, Indiana.
Originally opened as Bendix Employees Federal Credit Union in 1939, AAA Federal Credit Union now has 3 offices serving over 8,000 members. AAA Federal Credit Union is dedicated to working in the best interest of our members. AAA Federal Credit Union is federally insured to $250,000 by the NCUA.

November 1, 2010 – 4:33 pm

5.9% APR on all VISA Credit Card purchases made November 1 through December 31, 2010

The holiday season is just around the corner. As our gift to you, our loyal AAA Federal Credit Union VISA Credit Card holders, any purchases* that you make with your AAA FCU VISA Credit Card during the months of November and December 2010 will have an interest rate of 5.9% APR. The 5.9% APR interest rate will be good through your June 2011 cycle date. Remaining balances on these purchases will then revert back to the prevailing APR. for more information regarding this promotion or to apply for a AAA Federal Credit Union VISA Credit Card, contact one of our three credit union locations today!
*Cash advances not included in the promotional 5.9% APR.

ATM/Debit Card Changes What you need to know

Recently, Federal Regulators made changes to the way that credit unions handle Courtesy Pay Overdraft Services. Our Courtesy Pay Overdraft Services were designed to help cover those ATM and one-time debit card transactions where funds were not available, saving you embarrassment and hassles associated with a denied transaction. The following is information to help you make an informed decision on whether overdraft services are right for you.

What are the standard Courtesy Pay Overdraft practices that come with my AAA Federal Credit Union account?We DO authorize and pay Courtesy Pay overdrafts for the following types of transactions:
~ Checks and other transactions made using your checking account number
~ Automatic bill payments
We DO NOT authorize and pay Courtesy Pay overdrafts for the following types of transactions unless you ask us to:

~ Everyday debit card transactions
We pay overdrafts at our discretion, which means we DO NOT GUARANTEE that we will always authorize and pay any type of transaction. If we DO NOT authorize and pay a Courtesy Pay overdraft, your transaction will be declined.

What fees will I be charged if AAA Federal Credit Union Courtesy Pay covers my overdraft?Using our standard Courtesy Pay overdraft practices:
~ We will charge a fee up to $25.00 each time we pay a Courtesy Pay overdraft.
~ There is NO LIMIT on the total fees we can charge your for overdrawing your account.

What if I want AAA Federal Credi tUnion Courtesy PAy to authorize and pay overdrafts on my ATM and everyday Debit card transactions?If you also want AAA FCU Courtesy Pay to authorize and pay overdrafts on ATM and everyday Debit card transactions, you will need to complete and Overdraft Consent Form and choose the “Opt In” option. By not completing and Overdraft Consent Form, we are required to assume that you are choosing to “Opt Out.”

Effective date will be July 1, 2010 for accounts opened on or after this date. For accoutns opened prior to July 1, 2010, changes will take effect August 15, 2010. For more information on these changes, or to complete your Overdraft Consent Form, please contact one of our three AAA Federal Credit Union locations.

Save $400 with our

NO FEE* HELOC

A Home Equity Line Of Credit from AAA Federal Credit Union will help you get closer to those little extras that seem out of reach, and save you an average of $400
*Average member fee savings of $400. No Fees charged unless you close your HELOC within 24 months of activation. Other restrictions may apply. Call or come into any of our three AAA Federal Credit Union locations to talk to a loan officerr today!

February 2, 2010 – 11:41 am

Refinance with us and we will put cash in your pocket!

Refinance your auto loan from another financial institution with AAA Federal Credit Union and we will put some cash into your pocket. If you refinance your 2004 or newer auto loan of at least $5,000 with AAA Federal Credit Union we will give you $100 cash. No refinancing of AAA FCU loans. Other restrictions may apply. Call or come into any one of our 3 AAA Federal Credit Union locations to talk to a loan officer today!
Don’t forget to ask your loan officer about GAP Insurance!