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Account Options

AAA Banking Auto Loan
Fast, flexible member-only auto loans to drive your payment down & get you on the road sooner.
- Rates as low as 4.99% APY¹
- New/used auto purchase or refinance
- Flexible repayment terms up to 84 months
- No origination or early payoff fees
- Loan amounts up to $100,000
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Triple Advantage Checking
Secure, modern checking account built to fit your everyday needs.
- Earn up to 1.00% APY² & unlimited 1% cash back³
- Free Visa© AAA Banking rewards debit card
- Fee-free cash withdrawals at 40K+ ATMs nationwide*
- Free ACH & domestic wire transfers⁴
- FDIC insurance up to $250,000
- No overdraft or monthly fees
Open an Account
Triple Advantage Savings
Secure, high-yield savings account to keep your funds safe & always within reach.
- Earn up to 3.40% APY⁵
- Unlimited transfers and fee-free transactions
- Free ACH and domestic wire transfers
- FDIC insurance up to $250,000
- No monthly fees
Open an Account
Triple Advantage CD
Secure, high-yield certificates of deposit designed to deliver predictable earnings for your financial goals.
- Earn up to 4.00% APY⁶
- Terms ranging from 6 to 60 months
- FDIC insurance up to $250,000
- $500 minimum opening deposit
Open an Account

Frequently Asked Questions

Yes! Auto loans are a exclusive benefit for AAA members only. The good news is, becoming a member is quick and easy. And once you’re a member, you can move forward with a loan application right away.

For more information, we encourage you to visit our Auto Loans page.
No. We'd love to help, but the Auto Club Group only provides AAA Banking services in Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, South Carolina, Tennessee and Wisconsin.

If you're located in one of these states, we’re happy to assist you!

Note: You must be a AAA member to apply. For more information, visit our Auto Loans page.
You can check in on your loan application anytime by logging into our secure application hub. We’ll also keep you updated by email, so you’ll always know where things stand.
Yes. AAA Banking services are provided by Grasshopper Bank, N.A. Grasshopper Bank is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are insured up to $250,000.

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1. Annual Percentage Rate (APR) and Loan Terms. APR is accurate as of 10/6/2025. 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. 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 years 2020 – 2026 with a credit score of 740 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. AAA Banking uses a managed credit program, and final APR is dependent on your credit score. An auto loan with an APR of 4.99% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $460. An auto loan with an APR of 5.24% for a $20,000 loan at a term of 48 months, your estimated payment would be $463. Private party sales will not be financed. This auto loan offer is available exclusively for eligible members of AAA – The Auto Club Group (ACG). Auto loans are offered by Grasshopper Bank, N.A. Member FDIC.

2. The Annual Percentage Yield (APY) is accurate as of 4/14/2025. The minimum amount to open an account is $100.00. Triple Advantage Checking Account Holders can earn the following Annual Percentage Yield (APY): 1.00% APY with eligible AAA membership or 0.75% APY without eligible AAA membership.*

3. Cash Back Rewards offer 1.00% cash back on all qualified purchases made by Triple Advantage Checking account holders with an eligible AAA membership.* To qualify for cash back, Triple Advantage Checking account holders must meet all requirements and a transaction must be deemed as a qualified purchase. Customers are required to maintain an average balance of $1,500 or more within the calendar month in their Triple Advantage Checking account and the account must remain open, active, and in good standing to participate in the program, meaning: no NSF (non-sufficient funds) items during the preceding twelve calendar months. AAA Banking reserves the right to modify the description of “good standing” at any time.

Qualified purchases are signature-based purchases made with a AAA Banking debit card from a Triple Advantage Checking Account. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to AAA Banking at the time of processing. AAA Banking reserves the right to determine if a transaction was a qualified purchase, and to establish additional types of qualified purchases that could be made available in a variety of ways. Any goods or services purchased with the debit card that are returned or otherwise credited to the account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, travelers cheques, gift cards, cryptocurrency, casino chips, peer-to-peer payments, prepaid debit cards, account openings, loan payments, or other cash equivalents) made with a debit card are not qualified purchases. Documentation may be required to validate that certain purchases are qualified purchases. If you or AAA Banking closes the account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked debit card during that statement cycle. The AAA Banking Visa® debit card is issued by Grasshopper Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa is accepted.

Important Tax Information
The value of this reward may constitute taxable income and may be reported to the Internal Revenue Service as miscellaneous income to the first signer on the account, in the year received, as required by applicable law. Offer is limited to clients who are citizens of the United States that furnish or have a valid Form W-9 on file and the account must not be subject to backup withholding. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as AAA Banking does not provide tax advice.

4. Triple Advantage Checking account holders with a monthly average balance of $25,000.00 or greater receive free outgoing domestic wire transfers. Triple Advantage Checking account holders with a monthly average balance of $24,999.99 or less will be charged a $10 fee for each domestic outgoing wire transfer.

5. The Annual Percentage Yield (APY) is accurate as of 4/14/2025. The minimum amount to open an account is $100.00. Triple Advantage Savings Account Holders can earn the following Annual Percentage Yield (APY): 3.50% APY with eligible AAA membership or 3.15% APY without eligible AAA membership. Fees may reduce earnings. National average interest rate for a Savings Account is 0.41% APY – source: www.fdic.gov.

6. Triple Advantage Certificate of Deposit (CD) Annual Percentage Yield (APY) is accurate as of 10/06/2025. The minimum deposit to open an account is $500. 4.00% APY applies to a 6, 9, 12-month CD with balances of $500.00 and up. 3.75% APY applies to an 18-month CD with balances of $500.00 and up. 3.70% APY applies to a 24-month CD with balances of $500.00 and up. 3.50% APY applies to a 36, 48, and 60-month CD with balances of $500.00 and up. CDs are opened and interest begins on the day the funding deposit is received. The interest rate and APY are fixed for the term of the CD. The APY assumes interest remains on deposit until maturity. Withdrawal of interest before maturity will reduce earnings. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

*Eligible AAA Membership Definition: you must be a “Basic,” “Plus,” or “Premier” member of AAA – The Auto Club Group (ACG). ACG serves households in Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, North Dakota, South Carolina, Tennessee and Wisconsin. Applicants must be 18+ and a U.S. resident. Other AAA memberships are not eligible.

AAA-Member Verification & Product Eligibility
By applying for a AAA Banking deposit account, you acknowledge and agree that if you select a AAA-Member product, your AAA Membership status with Auto Club Group (ACG) will be validated at the time of account opening and periodically thereafter. If your AAA Membership cannot be validated or your membership status changes, your account may be moved to a non-Member product with different terms, including but not limited to a lower Annual Percentage Yield (APY) and the removal of other AAA Member-only benefits. If this occurs, you will receive a notification regarding the change in the product and applicable terms. If you believe your AAA Membership status was incorrectly validated or that you have been placed in the incorrect product, please contact Client Services to review and correct your status.

AAA Banking Services are provided by Grasshopper Bank, N.A. Member FDIC. For full terms and conditions about our products and services, please refer to the Master Service Agreement.