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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: 05-18-2022Low Rate Auto Loans
Loan Type Terms Annual Percentage Rate* New & Used Auto Up to 84 months 3.24%-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: 05-18-2022Low Rate Home Equity Loans
Loan Type Terms Annual Percentage Rate* Home Equity Up to 15 years 4.49% – 11.99% * Home Equity Line of Credit 4.00% – 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. DisclosureRates Effective as of: 05-18-2022Low Rate Boats & RV’s
Loan Type Terms Annual Percentage Rate* Boat & RV (0-3 years) Up to 15 years 4.74% – 11.74% * Boat & RV (over 3 years) Up to 12 years 5.24% – 12.74% * * 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: 05-18-2022Low Rate Motorcycle Loans
Loan Type Terms Annual Percentage Rate* New & Used Motorcycle Up to 84 months 4.49%* – 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: 05-18-2022Low Rate Mobile Home
Loan Type Terms Annual Percentage Rate* New Mobile Home Up to 15 years 15.00%* Used Mobile Home Up to 10 years 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.
Rates Effective as of: 05-18-2022Low Rate Visa Cards
Loan Type Terms Annual Percentage Rate* Visa Platinum Point Rewards Credit Card Revolving 7.92%*-12.84%* Visa Platinum Cash Back Rewards Credit Card Revolving 9.96% *- 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: 05-18-2022Low Rate Personal Loans
Loan Type Terms Annual Percentage Rate* Unsecured Loan Up to 60 months 8.75%* – 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: 05-18-2022Low Rate Line of Credit
Loan Type Terms Annual Percentage Rate* Open-End Line of Credit Revolving 13.90%* * 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: 05-18-2022Low Rate Secured Loans
Loan Type Terms Annual Percentage Rate* Savings Secured Loan Up to 60 months 4.00%* Certificate Secured Loan Not to exceed certificate Certificate 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: 05-18-2022Credit Builder Loans
Loan Type Term Annual Percentage Rate* Credit Builder Loan Up to to 36 months Certificate 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: 05-18-2022Vehicle Products
Loan Type Terms Annual Percentage Rate* MBI Loan Up to 36 months 8.00%* * 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.
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Share Savings & IRA Rates
Savings, IRA & Club Rates
Savings Accounts Rates
Tier Compounding Dividend Rate APY* $5.00 or greater Quarterly 0.03% 0.03% *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
Tier Compounding Dividend APY* $5.00 or Greater Quarterly 0.20% 0.20% *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*
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Money Market & Checking
Money Market & Checking
Money Market
Tier Compounding Dividend APY* $100,000 & Up Monthly 0.40% 0.40% $50,000 to $99,999.99 Monthly 0.30% 0.30% $20,000 to $49,999.99 Monthly 0.15% 0.15% $5,000 to $19,999.99 Monthly 0.10% 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*
Rewards Checking Account Rates
Daily Balances Dividend Rate APY* $5.00 & Up 0.03% 0.03% *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.
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Share Certificates
Share Certificate Rates
Share Certificates Rates
Term Compounding Dividend Rate APY* 3 Month Monthly 0.50% 0.50% 6 Month Monthly 1.00% 1.00% 12 Month Monthly 1.25% 1.26% 24 month Monthly 1.30% 1.31% 36 Month Monthly 1.50% 1.51% 60 Month Monthly 2.00% 2.02% * 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.