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AA Credit Union is a federally insured credit union offering checking, savings, auto loans, mortgages, and credit cards to members. Headquartered with a 90-year history, it serves individuals and businesses.
Data compiled from public sources
The institution operates as a member-owned cooperative financial institution with ABA/Routing Number 311992904, providing traditional banking and lending services to a membership base. The credit union offers a comprehensive suite of consumer and business banking products. 07% APY).
250% APR). 74% APR). Business members can access business checking, business savings, and business credit cards.
90% APR discount). The institution maintains active fraud prevention awareness, warning members about spoofing scams and emphasizing security practices for online banking. As a traditional credit union, AA Credit Union serves members seeking full-service banking with physical locations and member-owned governance.
However, the website provides limited detail on membership eligibility criteria, fee structures, and specific business services. Deposit rates, while competitive, are in line with current market rates rather than exceptionally high. The credit union's online presence is functional but relatively basic compared to some digital-first financial institutions.
This is state-level context for Credit Unions consumers in Miami, FL. It does not confirm that AA Credit Union or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
AA Credit Union offers 14 services including Priority Checking Accounts (0.40% APY), Flagship Checking Accounts (0.25% APY), Savings Accounts/Share Accounts (up to 1.87% APY), Share Certificates (4.00%-4.05% APY), Ladder Certificates (4.07% APY), and 9 more.
AA Credit Union has profile signals associated with Individuals seeking competitive auto financing with established credit history, Homebuyers comparing mortgage options with multiple term and rate structures, Small business owners needing integrated banking and credit card services, Members prioritizing physical branch access and member-owned credit union governance.
Key strengths: Competitive auto loan rates with 90th anniversary promotion offering up to 0.90% APR discount on new and used vehicles; Full-service credit union with multiple product lines (checking, savings, CDs, auto loans, mortgages, credit cards, business banking); Certificate rates competitive at 4.00%-4.07% APY for share certificates and ladder certificates. Areas to consider: Checking account APYs are very low (0.25%-0.40%), offering minimal interest on balances; Credit card APRs range from 10.50%-18.00%, which are higher than some competitive card issuers.
In the Credit Unions category, comparable providers include Addition Financial Credit Union - Lake Mary, Dade County Federal Credit Union, Jax Fire Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
AA Credit Union is profile signals for individuals and small business owners seeking traditional full-service banking with competitive auto loan rates, mortgage options, and member-owned governance. The main caveat is that checking savings rates are minimal, credit card APRs are at the higher end of the market, and the institution lacks transparency about membership requirements and detailed fee structures on its public website.
Addition Financial Credit Union operates 25+ branches across Central Florida, including Lake Mary, offering members deposit accounts, ATM access, and basic financial services with federal NCUA insurance protection.
Profile signals: Central Florida residents seeking NCUA-insured deposit accounts with extended drive-thru accessibility, Members who travel frequently within the U.S. and need nationwide shared branch access
Dade County Federal Credit Union is a Miami-area member-owned credit union offering checking, savings, auto loans, personal loans, HELOCs, CDs, and business banking.
Profile signals: Miami-Dade County residents who qualify for membership and want competitive auto loan rates, Members shopping for a vehicle who want a car-buying concierge plus discounted financing through D.A.D.
Jax Fire Credit Union is a non-profit credit union established in 1933, exclusively serving firefighters, emergency services personnel, and their families across 8 Florida counties.
Profile signals: Firefighters and fire rescue employees in Duval, Clay, Nassau, St. Johns, Flagler, Columbia, Putnam, or Volusia counties seeking primary banking relationship, Emergency services personnel and first responders who qualify for membership and want listed financial services
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