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triple advantage savings

Earn up to 3.50% APY1

Keep your funds always within reach and watch your savings grow with a high-yield account—no limits, no monthly fees, just financial freedom.

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more than just miles

Savings that moves with you

With high-yield growth, unlimited transfers, and no monthly fees, Triple Advantage Savings gives you the freedom to explore without limits—whether you're planning your next adventure or building toward the future.

  • Easy Digital Account Opening

    Open an account in as little as 5 minutes from any device - no lines, no hassle.

  • High-Yield Savings Account

    Unlock unlimited earning potential with 3.50% APY for AAA members and 3.15% APY for non-members.1

  • Unlimited Transfers

    Enjoy total flexibility with unlimited transfers and fee-free transactions. Plus, free ACH and domestic wires.2

  • 24/7 Online & Mobile Banking

    Wherever you are, your bank is right there with you—accessible around the clock online and on mobile.

  • No Hidden Fees

    Experience simple, worry-free banking the way it should be with transparent pricing and no surprise fees.

Start Saving

Bigger rates. Greater possibilities.

Earn more than 8.5X the national average savings rate when you open a Triple Advantage Savings account with an eligible AAA membership. 1

Open an Account
triple advantage checking

Earn up to 1.00% APY

Secure, modern checking account built to fit your everyday needs with a free Visa© rewards debit card that earns 1% cash back, unlimited fee-free transactions, and no overdraft or monthly fees.

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certificates of deposit

Earn up to 4.00% APY

Secure, high-yield certificates of deposit with flexible terms designed to deliver predictable earnings tailored to your financial goals.

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individual retirement accounts

Earn up to 4.20% APY

Secure, tax-advantaged retirement accounts and CDs designed to grow your savings with flexibility and stability.

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auto loans

Rates as low as 4.99% APR

Fast, flexible auto loans designed to drive your payment down and get you on the road sooner with $0 down and no origination fees.

Learn MoreBecome a Member
triple advantage

Why choose AAA Banking?

Banking should be more than just a place to store your money—it should help you make the most of it. From high-yield checking and savings accounts to auto loans, IRAs and CDs, every product is designed to help you grow your savings, reach your goals, and enjoy the moments that matter most.

  • Easier Banking. Fewer Hassles.

    Whether you're making everyday purchases, transferring funds, or saving for the future, our user-friendly digital banking platform puts you in control—no hassle, no surprises, just straightforward banking.

  • Your Security. Our Priority.

    Protection is part of who we are. That's why we use bank-level encryption and strict security protocols—so you can bank with confidence, knowing your information and finances are always safe and secure.

  • More Benefits. More Value.

    Experience a smarter, more rewarding way to spend, save and grow—while unlocking exclusive AAA membership perks that you can't get anywhere else.

Get more for your money.

Join AAA

Are you a AAA member?

Your membership status helps us direct you to the correct application for your needs.

Confirm your AAA membership

To proceed with your application, please verify your membership using one of the options below.

OR

Join AAA or Continue Without a Membership

AAA membership comes with valuable benefits and exclusive offers, such as 3.50% APY—but you can still apply even if you’re not a member. Select the option that’s right for you.

Become a Member Proceed as Non-Member

We couldn’t verify your AAA membership

It looks like we were unable to find an active membership with the information provided. Since we couldn’t verify your membership, you can either proceed with a non-member application or become a member to access exclusive benefits. If you believe this is an error, or need help signing up or renewing your membership, you can contact the AAA Member support team for assistance at 1-800-222-1134.

Become a Member Proceed as Non-Member

© 2025 AAA Banking   |   All rights reserved

1. Triple Advantage Savings 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 and 3.15% APY without eligible AAA membership.* Deposit products are offered by Grasshopper Bank, N.A. Member FDIC. Fees may reduce earnings. National average interest rate for a savings account is 0.41% APY – source: www.fdic.gov.

2. Triple Advantage Savings account holders with a monthly average balance of $25,000.00 or greater receive free outgoing domestic wire transfers. Triple Advantage Savings 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.

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.

*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 us to review and correct your status.

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

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