VISA ATM/Debit Cards (For Lost Or Stolen Call (866)-820-1945)

AAA Federal Credit Union Visa ATM/Debit cards are convenient, easy to use, and FREE!  AAA FCU Visa ATM/Debit cards allow you access to your money anytime of the day or night wherever you see the Visa logo.  Print an application and return it to any of our three offices to get your AAA FCU Visa ATM/Debit card.

Visa Credit Cards  (For Lost or Stolen Call (855)-508-4790)

AAA Federal Credit Union offers Visa Classic, Visa Gold, and Visa Platinum credit cards at low annual percentage rate.  AAA FCU Visa Platinum credit cards have rates as low as 8.99% (Disclosure), Visa Gold credit cards as low as 10.99% (Disclosure), and Visa Classic credit cards as low as 12.99% (Disclosure).  Contact one of our three offices for more information or to apply for your AAA FCU VISA Credit Card.

Online Banking

AAA Federal Credit Union offers “Its Me 247” Online Banking.  With “Its Me 247” Online Banking you can access your account anytime day or night from anywhere that you have internet access. You can use “Its Me 247” to view account balances,  transfer funds between accounts, view checks that have cleared and much more.  The “Its Me 247” Online Banking website is safe and secure.  To set up your “Its Me 247” Online Banking site contact any of our 3 offices today.

It’s Me 247 Bill Pay

AAA Federal Credit Union offers “It’s Me 247 Bill Pay” via the “Its Me 247”  Online Banking site.  With It’s Me 247 Bill Pay  you can receive and pay your bills online with just the click of a mouse from your AAA Federal Credit Union checking account.  You can pay any bill  including your house payment, your credit card company, your utility company or even your babysitter – at any time, from anywhere, including through Mobile Bill Pay.  For more information or to enroll in It’s Me 247 Bill Pay, log into “Its Me 247” and click on the “Pay and Transfer” icon, or contact any of our 3 offices today.

Alliance One ATM Network

AAA Federal Credit Union is a member of the Alliance One ATM Network.   Alliance One is a cooperative group that allows surcharge free ATM usage and no foreign access charges.  This means that AAA Federal Credit Union members have access to over 50 ATMs in St. Joseph County free-of-charge.  Use of Alliance One ATM’s located outside of St. Joseph County will result in a $2 foreign access charge, however no surcharge fee will be assessed.  For a list of Alliance One ATMs visit Alliance One.

Shared Branching

AAA is a member of the Shared Branching network.  This means that there are over 5,000 credit union locations nationwide that you can go to and access your AAA FCU account.  You can do transactions such as deposits, withdrawals, make loan payments, transfer funds between accounts, and much more.   To see which credit unions participate in this network and where you will be able to perform your transactions, visit  You may also call for the nearest location by dialing 1.800.919.2872.

Prepaid VISA Gift Cards

AAA Federal Credit Union offers the perfect gift for any occasion, VISA Gift Cards.  The minimum amount applied to a VISA gift card is $10. Each card has a cost of $3.00. These cards make great gifts because they can be used anywhere that accepts the VISA logo.  VISA Gift Cards can be purchased at any AAA FCU location.

Drive-Up Savings

AAA Federal Credit Union now offers a Drive-Up Savings.  When you get a new vehicle loan with AAA FCU you can now add a Drive-Up Savings.  A Drive-Up Savings is a Certificate of Deposit that has the same rate (APY) as the rate on your loan (APR).  You can deposit up to 10% of your monthly loan payment into your Drive-Up Savings.  For more information about our Drive-Up Savings contact one of our three offices.

Fresh Start Program  

AAA Federal Credit Union is offering Checking Accounts, Debit/ATM Cards, and Loans to credit challenged members who would not normally qualify for these services.  This Fresh Start Program gives our members an opportunity to re-establish their credit profiles and utilize consumer convenience in the process.  After one year members who maintain their account with a good record of management and oversight will be considered eligible to convert to a regular checking and debit/ATM card with the regular features associated with those accounts.

Checking accounts:

  • Checking Plus with IDProtect
  • Select Checking
  • Go Green Checking

Please click on our Membership tab and then click on Checking Accounts for more information about our exciting checking options!

Direct Deposit

Full Service Lending 

Night Deposit

Payroll Deduction

ACH Origination

Certificates of Deposit

High Yield Money Market Accounts

Roth, Traditional & Educational IRA’s

Courtesy Pay Overdraft Protection

Domestic & International Wires

Western Union

Free Notary Public Service

Mobile Banking

Voice Banking

Fee Schedule



For more information on any of these products or services, please contact any one of our three credit union locations:

Main Office
1112 North Bendix Drive
South Bend, IN 46628

60600 US 31 South
South Bend, IN 46614

3630 Edison Lakes Parkway
Mishawaka, IN 46645