AAA Federal Credit Union is a nonprofit service-operated cooperative financial institution that offers various services to its members. The institution s Christmas Club account offers quarterly dividends on the average daily balance. It provides Scottie Savers account for children up to the age of 12 years. The credit union offers many services to individuals 50-years of age and older through Gold Key Club account. AAA Federal Credit Union is federally insured by the National Credit Union Administration. It offers many types of low-interest loans to members at a fixed rate. The membership in AAA is open to anyone who lives, works or worships in St. Joseph County, Ind.