Save More on Your Next Vehicle

Why spend hours negotiating at the dealership? The AAA Auto Buying Service has helped our members save an average of $3,383††.

Designed to Save You More

An auto loan through AAA could save you hundreds of dollars. Finance a new or used vehicle for as low as 3.14%. APR.†

Know Before You Go

The Protection You Need

See how much you could save and learn more about auto insurance through AAA.

Low-Cost Mortgages

From conventional home loans to Federal Housing Administration (FHA) and Veterans Administration (VA) loans and loans secured by the equity in your home, we offer a broad range of financing options to best fit your needs.

Home Insurance

See how much you could save and learn more about home insurance through AAA.

Exclusive Offers for AAA Members

Save money with a low APR and earn rewards! Learn More

  • Enjoy the power to choose your rewards.

You could save money while earning rewards with the AAA Dollars® Mastercard®! 1

  • Take advantage of a special introductory APR on purchases and balance transfers.
  • Pay no annual fee.
  • Earn 1% in AAA Dollars on all qualifying net purchases.2

Enjoy accelerated earning with the AAA Dollars® Plus Mastercard®.1

  • Take advantage of a special introductory APR on purchases and balance transfers.
  • Earn 3% in AAA Dollars on qualifying net travel purchases, including airlines, hotels, cruises, rental cars and more.2
  • Earn 3% on qualifying net AAA purchases, including AAA Membership dues, insurance premiums, theme park tickets and more.2
  • Earn 2% on qualifying net purchases at gas stations, grocery stores and drug stores.2
  • Earn 1% on your other qualifying net everyday purchases.2
  • Pay no annual fee. And there’s no cap on the amount of rewards you can earn.
  • Pay no foreign transaction fees.
Start your journey to earn AAA Dollars by applying today!

We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Earn 1.95% APY*** on a 12-month CD

Open with as little as $1,500. Choose from different terms and rates with no monthly maintenance fees to worry about.

Learn about Savings and CDs

Impressive Returns on Savings and Checking Accounts

Earn 1.70% APY* with a High-Yield Savings account or 1.70% APY** with a High-Yield Checking account. Easy to open, manage and maintain right from your phone.

Learn about Checking

AAA Dollars® Mastercard®


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Expect More From AAA

1 Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Net purchases are purchases minus credits and returns. Qualifying purchases do not include Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. AAA Dollars are not earned on business related transactions or activities. You may not redeem AAA Dollars, and you will immediately lose all of your AAA Dollars, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). AAA Dollars awarded but not redeemed will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they were earned.

2 AAA Dollars Mastercard: Earn 1% for every dollar of qualifying net purchases. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Dollars awarded but not redeemed will expire five (5) years from the date on which they were earned. AAA Dollars Plus Mastercard: Earn 3% per dollar for qualifying net purchases made with the card through any participating AAA Club when AAA is the merchant of record, on qualifying net insurance purchases (MCC = 6300) and at eligible retail travel merchants. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 3%. Earn 2% per dollar for qualifying net purchases at gas stations, grocery stores and drug stores. Earn 1% per dollar on qualifying net purchases everywhere else. Purchases qualify for reward categories based on the category code merchants select to classify their business. ACG Card Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. AAA Dollars awarded but not redeemed will expire five (5) years from the date on which they were earned.

The creditor and issuer of the AAA Dollars Mastercard is U.S. Bank NA dba ACG Card Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2018 ACG Card Services. All rights reserved. Equal Credit Opportunity Lender.

*Annual Percentage Yield (APY) is valid as of 9/1/2019. Personal accounts only. Interest rates may change at any time without prior notice. $100 minimum balance to open and avoid fees. Fees could reduce earnings on the account. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.

**Annual Percentage Yield (APY) accurate as of 9/1/2019. Rate tiers are as follows: 1.70% APY applies to balances of $0.01-$10,000 and .05% APY applies to balances over $10,000 as long as qualifications are met each qualification cycle: .05% APY applies to all balances if qualifications are not met. Rates are variable and may change without prior notice. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Auto Club Trust, FSB

***Annual Percentage Yield (APY) is accurate as of 9/1/2019. Interest rates may change at any time without prior notice. Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Personal accounts only.

†Annual Percentage Rate (APR). Rates and terms effective as of 9/1/2019. Advertised rates and terms are subject to change without notice. Additional terms and restrictions apply. Other loan rates available. Subject to borrower qualification. Advertised rate assumes a 0.25% discount when you set up automatic payments from any checking or savings account. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less and vehicle model 2018 and 2019 new or used models. Borrower pays any closing costs. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An auto loan with an APR of 3.14% for a $35,000 loan at a term of 48 months, your monthly payment would be $776.87. Private party sales will not be financed. Products are offered by Auto Club Trust, FSB. Equal Credit Opportunity Lender.

††Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor Auto Club Trust, FSB, sells or leases motor vehicles.

‡Discounted closing costs are for third-party fees associated with underwriting and closing your loan such as appraisal fees, title work and closing fees. The discount does not apply to government-imposed fees, including recording fees and other taxes. Program offers, rates, terms and conditions are subject to change at any time without notice. Final rates and eligibility subject to credit approval, verification, collateral evaluation and originated by Auto Club Trust, FSB. Equal Credit Opportunity Lender. NMLS# 799629

The Calculator assumes an 80% combined loan-to-value (CLTV) ratio. Actual CLTV eligibility depends on your state, product, lien position, credit and deposit relationship. This interactive calculator is made available to you as a self-help tool for your independent use and is intended for illustrative purposes only. Any results are estimates only. Changes to the account balance or any of the inputs will alter the results. This calculator does not offer any tax, legal, or financial advice.

Products are offered by Auto Club Trust, FSB, Equal Credit Opportunity Lender.

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