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Rates

  • Loans

     

    Loan Rates

    We pride ourselves on providing our members with the lowest loan rates possible. We are member-owned and are here to serve our members with the best loan rates in Arizona. As a top-rated credit union, we consistently beat the loan rates of the big banks putting more money in your pocket

    Rates Effective as of: 09-24-2021

    Low Rate Auto Loans

    Loan TypeTermsAnnual Percentage Rate*
    New & Used AutoUp to 84 months2.79%-18.00%*

    *APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 09-24-2021

    Low Rate Home Equity Loans

    Loan TypeTermsAnnual Percentage Rate*
    Home EquityUp to 15 years4.49% – 11.99% *
    Home Equity Line of Credit4.00% – 16.00% **

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.
    ** Variable rate based on the Prime Rate as published in the Wall Street Journal. Disclosure

    Rates Effective as of: 09-24-2021

    Low Rate Boats & RV’s

    Loan TypeTermsAnnual Percentage Rate*
    Boat & RV (0-3 years)Up to 15 years4.49% – 12.49% *
    Boat & RV (over 3 years)Up to 12 years5.49% – 12.99% *

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 09-24-2021

    Low Rate Motorcycle Loans

    Loan TypeTermsAnnual Percentage Rate*
    New & Used MotorcycleUp to 84 months4.49%* – 11.99%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 09-24-2021

    Low Rate Mobile Home

    Loan TypeTermsAnnual Percentage Rate*
    New Mobile HomeUp to 15 years15.00%*
    Used Mobile HomeUp to 10 years16.00%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 09-24-2021

    Low Rate Visa Cards

    Loan TypeTermsAnnual Percentage Rate*
    Visa Platinum Point Rewards Credit CardRevolving7.92%*-12.84%*
    Visa Platinum Cash Back Rewards Credit CardRevolving9.96% *- 14.88% *

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards. Disclosure

    Rates Effective as of: 09-24-2021

    Low Rate Personal Loans

    Loan TypeTermsAnnual Percentage Rate*
    Unsecured LoanUp to 60 months8.75%* – 18.00%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 09-24-2021

    Low Rate Line of Credit

    Loan TypeTermsAnnual Percentage Rate*
    Open-End Line of CreditRevolving13.90%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 09-24-2021

    Low Rate Secured Loans

    Loan TypeTermsAnnual Percentage Rate*
    Savings Secured LoanUp to 60 months4.00%*
    Certificate Secured LoanNot to exceed certificateCertificate rate rounded up + 3.00%***

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.
    ***Floor Rate is 4.00%

    Rates Effective as of: 09-24-2021

    Credit Builder Loans

    Loan TypeTermAnnual Percentage Rate*
    Credit Builder LoanUp to to 36 monthsCertificate rate rounded up + 4.00%*

    * APR=Annual Percentage Rate rage: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    Rates Effective as of: 09-24-2021

    Vehicle Products

    Loan TypeTermsAnnual Percentage Rate*
    MBI LoanUp to 36 months8.00%*

    * APR=Annual Percentage Rate range: Rates listed are the lowest and highest annual percentage rates available. Actual APRs and terms depend on credit history, type of product and our underwriting standards.

    We have the best rates valley-wide. We serve the greater Phoenix, Glendale, Peoria, Tempe, Mesa, Chandler, Scottsdale, Surprise, and surrounding areas. There are many ways to join the credit union. Join AERO today and see why we are a top-rated credit union in Arizona.

     

  • Share Savings & IRA Rates

     

    Savings, IRA & Club Rates

    Savings Accounts Rates

    TierCompoundingDividend RateAPY*
    $5.00 or greaterQuarterly0.01%0.01%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.

    IRA Rates

    TierCompoundingDividendAPY*
    $5.00 or GreaterQuarterly0.10%0.10%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. Money market Accounts are a tiered variable rate accounts and the rate and APY* are subject to change after account is opened. Must have a balance of $5,000 to open and maintain the account and to obtain the disclosed APY*

  • Money Market & Checking

     

    Money Market & Checking

    Money Market

    TierCompoundingDividendAPY*
    $100,000 & UpMonthly0.20%0.20%
    $50,000 to $99,999.99 Monthly0.15%0.15%
    $20,000 to $49,999.99Monthly0.05%0.05%
    $5,000 to $19,999.99Monthly0.02%0.02%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. Money market Accounts are a tiered variable rate accounts and the rate and APY* are subject to change after account is opened. Must have a balance of $5,000 to open and maintain the account and to obtain the disclosed APY*

    Rewards Checking Account Rates

    Daily BalancesDividend RateAPY*
    $5.00 & Up0.01%0.01%

    *APY = Annual Percentage Yield. For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.

  • Share Certificates

     

    Share Certificate Rates

    Share Certificates Rates

    TermCompoundingDividend RateAPY*
    3 MonthMonthly0.15%0.15%
    6 MonthMonthly0.25%0.25%
    12 MonthMonthly0.35%0.35%
    24 monthMonthly0.45%0.45%
    36 MonthMonthly0.55% 0.55%
    60 MonthMonthly0.70%0.70%

    * APY calculations are based on monthly compounding and crediting of dividends, and assume dividends remain on account until maturity. Withdrawal of dividends prior to maturity will reduce earnings.

    Jumbo Certificates Rates

    Jumbo Certificate rates are .10% higher than a regular certificate. Minimums vary.