What does AEA FCU mean on my credit report?

Learn about AEA FCU, an federal credit union offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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What is AEA FCU?

AEA FCU is shorthand for AEA Federal Credit Union, with the company name being AEA Federal Credit Union

AAEFCU is a non-profit financial co-operative that was founded for serving people helping people. membership drives at AAEFCU since over 79 years have served the residents of Yuma and La Paz counties in Arizona.

AEA FCU is a Federal Credit Union provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with AEA Federal Credit Union.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for AEA Federal Credit Union:


  • 1780 S. 1st Avenue
    Yuma, Arizona 85364





AEA Online Banking and the AEA Mobile App are both safe and easy ways to make payments and access AEA accounts. You can also use these services to view account transactions, transfer money, complete loan applications and payments, reorder checks, and more. There are step-by-step instructions available in English and Spanish to help you register and use these services. Additionally, the AEA Mobile App allows you to deposit checks and locate AEA branches and CO-OP ATMs. It is unclear if AEA offers a monthly payment plan.To get a payment refund with AEA Online Banking, you can login to your account on a desktop computer and register online with your member information. If you’re on-the-go, download the AEA Mobile App to access your account and deposit checks on mobile devices. For extra help, watch the step-by-step instructions available in English and Spanish.AEA Online Banking offers online payments through their online portal, mobile app, and other services such as online bill pay and depositing checks. Additionally, AEA provides step-by-step instructions on how to register and use their services, as well as helpful videos on their YouTube channel.There are no penalties for late or missed payments with AEA Online Banking or AEA Mobile App.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

How to Apply

you can apply for a loan online, over the phone, or in person. You can also apply for a loan using the AEA Mobile App. If you want to apply for a loan with a cosigner, you can do so at AEA Online Banking.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
Can I apply for a loan in person? Yes
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

AEA FCU IdentityIQ Report

Will this affect my credit score?

Whether this account affects your credit score depends on a variety of factors, such as:

  • Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
  • Derogatory Markings: If this account has any derogatory markings such as: Lates, Charge Offs, Collections and others.

However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:

  • Account Age: If your account is quite old, then the age of it will positively impact your credit score
  • Repayment History: If the account has no Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.

Can it be removed from my credit report?

Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.

However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.

What is a Federal Credit Union

A credit union is similar to a bank, however it is owned collectively by the members and does not operate on a for-profit basis. Many credit unions are able to provision credit and issue credit cards, which may report on your credit report. Due to the none-profit nature of federal credit unions they are generally more trusted by the public, as they are less likely to act in a malicious fashion. However, credit unions can still make mistakes with reporting on your credit report therefore being aware of what is being reported, and take action against any unfair reporting. The difference between a credit union and a federal is the fact that federal credit unions are federally insured.

How do I remove AEA FCU from my credit report?

You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.