Aaa Services encompass a wide array of offerings designed to provide value and security to its members. This document outlines key terms and conditions associated with several popular AAA services, ensuring clarity and transparency.
AAA Auto Loan Services: Terms and Rates
AAA provides auto loan services with competitive Annual Percentage Rates (APR). As of January 1, 2025, rates and terms are effective and subject to change without notice. The advertised APR is accurate as of the same date but can vary based on borrower qualification and credit score. For example, to receive the stated APR, a credit score of 720 or higher (based on the Vantage scoring model) is required for loans on new or used vehicles, model years 2019–2025, with a loan term of 48 months or less.
The advertised rate may include a 0.25% discount for setting up automatic payments from a checking or savings account. It’s important to note that the rate is variable and applies to personal vehicle loans only. Buyer is responsible for all state or local fees. Auto Club Trust, FSB utilizes a managed credit program, and the final APR depends on your individual credit profile.
For illustrative purposes, an auto loan of $20,000 at a 5.49% APR for 48 months would result in an estimated monthly payment of $465. A slightly higher APR of 5.74% for the same loan amount and term would lead to an estimated monthly payment of $467. Please be aware that private party sales are not eligible for financing through AAA auto loans.
ProtectMyID® Services: Identity Theft Protection
AAA members can access identity theft protection services through ProtectMyID®, powered by Experian®. Eligibility for ProtectMyID® Essential, Deluxe, or Platinum requires being a current AAA member and at least 18 years of age. Enrollment for ProtectMyID Essential necessitates a valid email address and internet access.
These identity protection products are subject to change or termination at any time without prior notification. Specific terms, conditions, and restrictions are applicable, and pricing may be subject to sales tax where required.
AAA Cruise and Vacation Collection Promotion
AAA offers exclusive cruise and vacation deals through its Cruise Collection Promotion and ACG Vacation Collection rates on select sailings. It’s crucial to understand that all advertised ship features, experiences, and itineraries are subject to change without notice. These promotional prices are non-transferable and cannot be combined with standard AAA Member benefits, AAA Vacations® amenities, Royal Caribbean Crown & Anchor discounts, or any other promotions.
Prices listed are per person, in USD, for the cruise only, and apply to specific sailing dates, stateroom types, and categories. Pricing is based on double occupancy and includes any promotional savings. Additional fees may be applied to booking changes or cancellations. These prices are valid for new bookings only, are not applicable to groups, and cannot be held as group blocks. Availability is capacity controlled and prices may change or be withdrawn at any time without notice. AAA The Auto Club Group and Royal Caribbean International retain the right to modify or discontinue any aspect of pricing, fees, or surcharges without prior notice or liability.
AAA Membership Roadside Assistance and Benefits
Upon activation and with proper identification, new AAA members receive regular AAA services and full membership privileges. Roadside benefits commence three days after dues payment. Certain restrictions apply, and roadside assistance is provided by independent facilities contracted by AAA. Coverage excludes taxis, limousines, and ride-sharing services.
For comprehensive details regarding member benefits, including limitations and restrictions, members are encouraged to visit AAA.com/MemberHandbook. Offers, terms, conditions, and policies are subject to change, and savings partners may also change. AAA’s service network includes both club-owned and contracted third-party service vehicles.
