FAQ's (Frequently Asked Quetions)

Frequently Asked Questions (FAQ’s)

Find the Frequently Asked Questions you’ve been wanting to know about our online banking, account fees and services, our mortgages, credit cards, loans, additional products and more. Think we’ve missed something or need to know more, contact us today!

Where can I join?

Thinking about being an AERO Member? Great, we are happy to have you join our family! We have an Online Membership Application that is available to you 24/7, but we also have a direct number you can call at 623.334.4701 to find a location near you.

What are the benefits of joining AERO Federal Credit Union?

AERO Members enjoy tons of benefits including but not limited to Online Banking, Balance Alerts, FREE Checking & Checks*, Overdraft Protection and so much more!  Click here to view all of the benefits you receive when being an AERO Member.

How do I order checks?

When you open your account your first box of standard checks is on us! AERO Members that are 55 years and older receive free standard checks as often as they need them. If you need to order more checks simply click here and we’ll get you there.

How do I set up my Direct Deposit?

Setting up your Direct Deposit is easy and with AERO Checking your paycheck will be deposited directly to your checking account each payday. If you click here we’ll take you to everything you will need to give your employer or direct deposit to a joint owner account.

What if I forgot my password?

If you’ve lost or forgot your Online Banking password, no worries!  With a valid Login ID you can always visit our Forgotten Password area of our website to update your password.  If you have forgotten your password or Login ID than please call us at: 623.334.4701 during normal business hours for additional assistance.

How can I join?

AERO Federal Credit Union members are joined to an elect group of individuals that share the same banking and lending philosophies that you do. Membership to the credit union is opened to specific individuals and businesses as long as you live, work, worship, or go to school in our qualified field of membership. Check for your eligibility here. You may also belong to one of our Select Employer Groups (SEG) and can check for your eligibility here.

We are always interested in expanding our service!

How do I stop payment on a check or transaction?

There is a form that will need to be signed depending on which type of transaction you are trying to stop whether its paper check or electronic funds transfer (eft). Contact your local branch office for the correct form.

How do I call in my Visa Debit / Credit card if it is lost or stolen after hours or on weekends?

24 Hour Hotline Visa Services:
Lost/Stolen Visa Credit Card – 800.325.3678
Fraud/Blocked Visa Credit Card – 800.369.4887
Lost & Stolen/Fraud Visa Debit Card – 800.808.6402
After Hours/Blocked Visa Debit Card – 800.889.5280

How can I update my phone number and address?

To update your phone number or change your address log in to your AERO online account. You can also walk into any of our local branches and change your address in person.

How can I put a fraud alert on my account?

For your protection we recommend visiting one of your local AERO Federal Credit Union branches to put a fraud alert on your account. However we understand if this may not be possible for you. You can also call one of our Operations Officers and they will ask specific details about your member account to put a fraud alert on your account. Their numbers are: 623.776.4713, 623.776.4714 & 623.776.4712

What are the transaction limits on the debit card? Cash withdrawal limit at an ATM?

The transaction limits on your debit card for standard limits are $1,000 for any Point of Sale (POS) items & $500 Cash from the ATM.

What is the credit union Routing Number?

Our Routing Number is 322172904.

What if my AERO Visa credit card is lost or stolen?

If you have discovered fraudulent activity on your Visa Credit Card or if it is lost or stolen, please call the 24 –  hour hotline at 800.325.3678.

Current Rates

Savings Secured

Up to 60 months


Credit Cards

as low as


Home Equity

Fixed Rate


Auto Loans

Up to 72 months



as low as


Personal Loans

as low as


Boats or RVs

as low as


* Interest rate is based on the loan term and credit score.

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