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auto loans

AAA Banking and Financial Services — Auto


Auto Loans from 6.24%†

Finance a new or used vehicle for as low as 6.24% APR model years 2018 or newer plus $0 down and $0 in origination fees.

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Save More in Repairs, Deductibles and your rate with Auto Buying

Get a 0.25% rate discount when you finance your Auto Buying purchase through AAA Bank.††

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Know Before You Go

Research tools from CARFAX® put you in the driver's seat.

Have an existing auto loan?   Make Auto Loan Payment

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Introducing the AAA Cashback Visa Signature® Card

Enjoy with up to 4% cash back on qualifying AAA spend, travel and insurance for your first 6 months up to $6,000. After that, you'll earn unlimited cash back in the standard 2% category.

AAA Visa card.

Earn Unlimited Cash Back1

Qualifying Purchases Earn:

3% Everyday Spending. Grocery stores, gas stations and dining.

2% AAA + Travel + Insurance. AAA Membership, travel and insurance.

1% Everything Else. All other qualifying spend.

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Special Intro Offers

4% Cash Back on AAA spend, travel and insurance for your first 6 months up to $6,000. After that, you'll earn unlimited cash back in the standard 2% category.1

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Additional Benefits

No Annual Fee or Foreign Transaction Fees. With this card, you will have no foreign transaction fees when making purchases outside the U.S.

Travel and Emergency Assistance Services.2 Help in coordinating medical, legal and travel services while away from home.

Auto Rental Collison Damage Waiver.2 Coverage and peace of mind for damage due to collision or theft of most rental cars.

Contactless Payments. Use your AAA Cashback Card to pay with a simple tap wherever you see the Contactless Symbol.

Checking, Savings & CDs

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Earn 5.00% APY** on a 6-Month CD

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

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Impressive Returns on Savings and Checking Accounts

Earn 3.05% APY* with a High-Yield Savings account. Easy to open, manage and maintain right from your phone.

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Retrieve a Saved Application

To complete your saved application, follow the link below then click on "Retrieve a Saved Application."

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Make a Cash Deposit

For ease and convenience, you can make cash deposits 24 hours a day, 7 days a week at select Allpoint ATMs.

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manage your wealth

Trust & Investment Services

Today's investment and retirement planning options can be difficult to understand and time consuming to research. We provide solutions tailored to your financial goals.

A Personal Trust Officer can provide valuable guidance on the following financial topics:


Trust Log In      Trust Log In Guide

Unable to access your account? Call your Trust Officer at 888.447.4730, option 1.


AAA Banking and Financial Services — Home

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Low Cost Mortgages

From conventional home loans to Veterans Administration (VA) loans, we offer a broad range of financing options to best fit your needs.

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Manage Your Mortgage Online

Check your balance and escrows, review your APR and payment history – plus make monthly payments – all from the convenience of your laptop, tablet or smart phone.

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Home Insurance

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

Have an existing mortgage?   Make Mortgage Payment

More From AAA

Annual Percentage Rate (APR)

We may change APRs, fees, and other Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1Cash back can be redeemed in the form of a statement credit or ACH deposit ($25 cash back minimum redemption). Cash back is not earned on business related transactions or activities. You may not redeem cash back, and you will immediately lose all of your cash back, if your account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash back 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 are earned. 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. Cash back is earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn cash back, such as Advances, Balance Transfers, and Convenience Checks and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees do not qualify. U.S. Bank cannot control how merchants classify their business or transactions and reserves the right to determine which Purchases will qualify in which category. Earn 2% 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. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 2%. Earn 4% per dollar for qualifying net purchases on AAA purchases, travel and insurance for your first 6 months up to $6,000. After that, earn cash back in the standard 2% category. Foreign Transaction Fee: None.

2 Benefits are subject to terms, conditions, and limitations on the amount of coverage. Travel and Emergency Assistance Services help in coordinating medical, legal and travel services while away from home. Rental Collision Damage Waiver coverage and peace of mind for damage due to collision or theft of most rental cars. Certain terms and conditions apply. Please refer to your Visa Guide to Benefits for details

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

This card is issued by U.S. Bank NA dba ACG Card Services, pursuant to a license from Visa USA Inc. Equal Credit Opportunity Lender

*Annual Percentage Yield (APY) is valid as of 2/15/2023. Personal accounts only. Rates are variable and may change without prior notice. $100 minimum balance to open and avoid fees. Fees may reduce earnings. $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) is accurate as of 6/11/2024. Rates are variable and may change 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. Personal accounts only.

Annual Percentage Rate (APR). Rates and terms effective as of 6/21/2024. APR is accurate as of 6/21/2024. Advertised rates and terms are subject to change without prior notice. Additional terms and restrictions may apply. Other loan rates available. Subject to borrower qualification. Advertised rate includes a 0.25% discount when you set up automatic payments from any checking or savings account. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less new or used, model year 2018 – 2024 with a credit score of 720 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. 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 6.24% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $472. An auto loan with an APR of 6.49% for a $20,000 loan at a term of 48 months, your estimated payment would be $474. Private party sales will not be financed.

††Terms and Conditions apply. Offer valid for loans on vehicles purchased through the AAA Auto Buying Program from a TrueCar, Inc. (TrueCar) Certified Dealer; and approved and funded by Auto Club Trust, FSB. Applicant must submit the Member Price Summary provided by TrueCar during the application process. Must be an active AAA member to receive the additional TrueCar discounted rate. Loans offered by Auto Club Trust, FSB. Equal Opportunity Lender.

Member Savings currently not available in all states. In these states a "Target Price" is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available or in-stock at the Certified Dealer.

TrueCar operates this information website ("Service") featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations.

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

Mortgages originated by Auto Club Trust, FSB. Equal Housing Lender. NMLS# 799629

Member FDIC