Tiered Services

AAA Federal Credit Union has a Tiered Service Point System for all AAA FCU accounts.  Achieve a placement in a higher tier and get more benefits by enrolling in more services with us.

Platinum Members (226+ points)
Free Home Banking
Free Cashier Checks and Money Orders
Free History
Free CU*Easy Pay (Bill Pay)

Gold Members (151-225 points)
Free Home Banking
Free History

Silver Members (75-150 points)
Free Home Banking

Basic Members (0-74 points)
Free Home Banking
Basic Members will incur a $3.00 per check fee when cashing checks.

How can you increase your points?


$51.00 – $1,000.00
25 points
$1,001.00 – $5,000.00
50 points
$5,001.00 +
75 points

Loan Balances

$1,001 – $5,000.00
25 points
$5,001.00 – $15,000.00
75 points
$15,001.00 – $30,000.00
100 points
$30,001.00 +
150 points

Additional Services

Checking 50 points
Special Savings 20 points
CD or IRA 20 points
Active ATM card 20 points
Active Debit card 50 points
Visa Credit Card 25 points
Active Audio Response 20 points
Active Home Banking 25 points
Payroll (min $600 month) 50 points
ACH dep. (min $600/mo) 50 points
Loan payments AFT 25 points
Mortgage Loan 50 points
Home Equity Loan 50 points
Other loans 25 points
Money Market 20 points
E-Statements 25 points
For more information about our Tiered Service Point System contact any of our three locations.  Click here for a printable version of the Tiered Service Point System.
* Savings accounts earn a rate of 0.5%. Minimum of $250 to earn a dividend average daily balance paid quarterly.