Elite Checking and Savings Club | IAA Credit Union
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Online Banking

Welcome to the Elite Club!

We want to help you set the stage for a smart, secure, and empowered financial future by providing resources in the world of money management and financial education.  

  • Savings and Checking Account
  • Exclusive to young adults 18-23 – only young individuals qualify
  • No monthly/annual fees
  • Over 30,000 Free ATMs nationwide & Free ATM Fee reimbursements** – Easy access to your funds
  • Start building credit with the low interest rate for a car loan
  • Exclusive investment opportunities start as low as $500
  • Access to Secure VISA credit card
  • Deposit checks from anywhere at any time with free unlimited Remote Deposit Capture
  • Free Billpay, Transfers^
  • Free Debit Card – 24/7 access to your funds

**Up to $25 a month. You must submit the form during the month that you had ATM fees. Once accepted, your reimbursement will be deposited in your checking account on the 1st day of the next month.

^Overnight or rush fees may apply to funds transfers.

 

IAACU Blog

  • Excited young adult woman sitting at table with open laptop holding credit card.

    Ways to Build Credit With No Credit History

    Mar 19, 2026
    Starting a credit history takes time, but there are practical steps you can take to build it responsibly. By using a starter or secured credit card wisely, keeping balances low, paying on time, and even becoming an authorized user, you can establish a strong credit foundation. Regularly checking your credit report and score helps ensure you stay on track and catch issues early.
    Read More about Ways to Build Credit With No Credit History
  • Man in suit pointing at glowing percentage signs.

    March Market Rate Update

    Mar 10, 2026
    Treasury yields remained steady through February, creating a stable and supportive rate environment for commercial real estate financing as we prepare to move into early Q2. With borrowing costs still attractive and lender competition strong, businesses continue to benefit from favorable pricing, flexible loan structures, and solid opportunities for acquisitions, refinances, and portfolio adjustments.
    Read More about March Market Rate Update

This is not an application for mortgage.  Mortgage prequalification helps to determine if you meet the minimum requirements for a loan and how much home you can afford.  If the qualifications are met for the purchase price and loan terms you have listed you will be presented a pre-approval letter.  If you’re confident in your finances and are ready to apply now, you should complete a full application instead.

Continue to Pre-Qualify Now