--- title: "A.a.e.c. Credit Union Rates - Illinois" description: "Current auto loan, heloc, personal loan, credit card, and savings & cd rates from A.a.e.c. Credit Union in Illinois. Updated daily with source verification. See who can join A.a.e.c. Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/aaec" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # A.a.e.c. Credit Union Rates - Illinois ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **8-9 Years ($25k minimum loan)** auto_any_108mo | — APR | 8.000% | 108 mo | Standard | | **10-12 Years ($50K minimum loan)** auto_any_144mo | — APR | 9.000% | 144 mo | Standard | | **13-15 Years ($50k minimum loan)** auto_any_180mo | — APR | 10.000% | 180 mo | Standard | A.a.e.c. Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.500% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.000% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | A.a.e.c. Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 12 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Share-Secured Loan** personal_secured_36mo | — APR | 3.500% | 36 mo | Standard | | **SHARE SECURED LOAN (4-5 Years)** personal_secured_60mo | — APR | 4.500% | 60 mo | Standard | | **SHARE SECURED LOAN (6-7 Years)** personal_secured_84mo | — APR | 5.500% | 84 mo | Standard | | **12-Month Debt Consolidation Loan** personal_unsecured_12mo | — APR | 9.000% | 12 mo | Standard | | **60-Month Debt Consolidation Loan** personal_unsecured_60mo | — APR | 9.500% | 60 mo | Standard | | **24-Month Debt Consolidation Loan** personal_unsecured_24mo | — APR | 9.500% | 24 mo | Standard | | **36-Month Debt Consolidation Loan** personal_unsecured_36mo | — APR | 9.500% | 36 mo | Standard | | **48-Month Debt Consolidation Loan** personal_unsecured_48mo | — APR | 9.500% | 48 mo | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 10.000% | 12 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 12.000% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 13.000% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 14.000% | 60 mo | Standard | A.a.e.c. Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **AAEC VISA CREDIT CARD** credit_card | — APR | 11.900% | — | Standard | A.a.e.c. Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Checking (share draft)** checking | — APY | 0.15% | — | Standard | | **Holiday Club** savings | — APY | 1.00% | — | Specialty offer | | **Savings (share) & Sub Savings** savings | — APY | 1.25% | — | Standard | | **Teen Account (up to $1,000)** savings | — APY | 2.50% | — | Eligibility restricted | | **6-Month Certificate** cd_6mo | — APY | 3.25% | 6 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.50% | 36 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.00% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.05% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.10% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.15% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.20% | 60 mo | Standard | | **Kids' Account (up to $500)** savings | — APY | 5.00% | — | Eligibility restricted | A.a.e.c. Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **20-Year Draw Period & 10-Year Repayment** other | — % | 0.250% | — | Standard | | **EASY MONEY LOAN (6 Months)** other | — % | 18.000% | — | Standard | A.a.e.c. Credit Union other rates as of November 12, 2026 A.a.e.c. Credit Union is a credit union in Illinois. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/aaec) , verified from [A.a.e.c. Credit Union's official website](https://www.aaeccu.com/) Loading branch locator… ## About A.a.e.c. Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.5K Assets $118.6M Founded 1955 Locations reported 1 NCUA charter 60648 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Corporate America Family** Arlington Heights · Arlington Heights · IL · 60004 About 1.3 miles away](https://rateapi.dev/credit-unions/illinois/corporate-america-family) [**Consumers** Arlington Heights · Arlington Heights · IL · 60004 About 3.0 miles away](https://rateapi.dev/credit-unions/illinois/consumers) [**Navy Federal Credit Union** Schaumburg IL · Schaumburg · IL · 60173 About 3.1 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Metro** Main Office · Arlington Heights · IL · 60004-5802 About 3.4 miles away](https://rateapi.dev/credit-unions/illinois/metro) [**Polish & Slavic** Mt. Prospect Branch · Mount Prospect · IL · 60056 About 3.4 miles away](https://rateapi.dev/credit-unions/new-york/polish-slavic) [**Partnership Financial** DES PLAINES OFFICE · DES PLAINES · IL · 60016-2258 About 3.5 miles away](https://rateapi.dev/credit-unions/illinois/partnership-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join A.a.e.c. Credit Union Membership eligibility from A.a.e.c. Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on A.a.e.c. Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College - School school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College Verified from [A.a.e.c. Credit Union's membership page](https://www.aaeccu.com/join-aaec) . Final membership determination is always made by the credit union. ## Membership rules for A.a.e.c. Credit Union Employers · Schools 2 · Family 4 published paths to membership, last verified August 21, 2026, quoted from A.a.e.c. Credit Union’s own published criteria. ### Employers 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of school “Employees, students, or alumni of school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College” > [source ↗](https://www.aaeccu.com/join-aaec) - Employee of school ### Schools 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College (as written on the source page) “Employees, students, or alumni of school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College” > [source ↗](https://www.aaeccu.com/join-aaec) - Student at school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College - Alumni of school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College (as written on the source page) “Employees, students, or alumni of school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College” > [source ↗](https://www.aaeccu.com/join-aaec) - Alumnus of school districts 15, 21, 23, 25, 26, 57, 59, 214, NSSEO, and Harper College ### Family 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Family member of a current AAEC member” > [source ↗](https://www.aaeccu.com/join-aaec) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for A.a.e.c. Credit Union? Yes No ## Work at A.a.e.c. Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where A.a.e.c. Credit Union ranks against Illinois peers. - See which AI assistants fetched A.a.e.c. Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=aaec&state=illinois&code=IL&name=A.a.e.c.%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does A.a.e.c. Credit Union offer? A.a.e.c. Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are A.a.e.c. Credit Union rates updated? RateAPI verifies A.a.e.c. Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get A.a.e.c. Credit Union's rate data? Rate data is collected directly from A.a.e.c. Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join A.a.e.c. Credit Union? A.a.e.c. Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 1 employer and 2 schools for A.a.e.c. Credit Union, each quoted from A.a.e.c. Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare A.a.e.c. Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.aaeccu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track A.a.e.c. Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for A.a.e.c. Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /aaec " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## A.a.e.c. Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/aaec Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp