AEA Federal Credit Union

1780 S FIRST AVE
Yuma, AZ 85364
928.783.8881
www.aeafcu.org

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AEA Federal Credit Union is headquartered in YUMA and is the 13^st largest credit union in the state of Arizona. It is also the 808^th largest credit union in the nation. It was established in 1942 and as of December of 2012, it had grown to 103 employees and 41,082 members. AEA Federal Credit Union has a 4-star health rating.

2.00% 12-Month CD Special at AEA Federal Credit Union in AZ - Local Only - 2/16/2010

AEA Federal Credit Union is offering a special 2.00% APY 12-month CD. Minimum deposit is $10,000. It's called the CEO special, and it's listed in the credit union's rates page as of 2/16/2010. Member ...

4.33% 2-Year CD at AEA Federal Credit Union in Arizona - 1/20/2009

Update 2/12/09: CD rates have fallen. Please check the credit union's website for the latest rates.AEA Federal Credit Union is offering some competitive certificate rates. The most competitive is a special two year certificate with a 4.33% APY. Minimum...

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See Rates for: Checking | Savings | Money Market | CD | IRA

AEA Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.30%	$5k	-	Good Life Checking Club - Gold Membership
0.25%	$150k	-	Business Checking
0.20%	$5k	-	Good Life Checking Club - Silver Membership

AEA Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	-	-	Health Savings Account
0.30%	-	-	Share IRA
0.25%	$10k	-	Share Savings
0.10%	-	-	Vacation Club
0.10%	-	-	Christmas Club

AEA Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.45%	$150k	-	Money Market Access Account

AEA Federal Credit Union CD Rates

Apy	Min	Max	Product
1.51%	$100k	-	60 Month CD
1.41%	$100k	-	48 - 59 Month CD
1.21%	$100k	-	36 - 47 Month CD
1.00%	$100k	-	24 - 35 Month CD
0.95%	$100k	-	18 - 23 Month CD
0.75%	$10k	-	12 - 17 Month CD
0.75%	$500	-	Growth Certificate
0.65%	$10k	-	9 - 11 Month CD
0.50%	$100	-	Student Certificate
0.50%	$100	-	Youth Savings Certificate
0.50%	$100	-	College Savings Certificate
0.45%	$10k	-	6 - 8 Month CD
0.25%	$10k	-	3 - 5 Month CD
0.20%	$50	-	Summer Saver Certificate Special CD

AEA Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.16%	$50k	-	36 Month IRA
0.95%	$50k	-	24 - 35 Month IRA
0.71%	$500	$50k	12 Month IRA

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

A. E. A.
NCUA #	4915
BankRate Report	View
Year Chartered	1942
Employees	103
Primary Regulator
Assets and Liabilities
Assets	$231.29 million
Loans	$178.19 million
Deposits	$217.90 million
Equity Capital	($10,654,000)
Loan Loss Allowance	$4.56 million
Unbacked Noncurrent Loans	$1.15 million
Real Estate Owned	$6.00 million
Historic Data - December 2011
Assets	$230.58 million
Equity Capital	($13,831,000)
Loan Loss Allowance	$8.08 million
Unbacked Noncurrent Loans	$12.79 million
Real Estate Owned	$1.75 million
Profit Margin - Quarterly
Net Interest Margin	5.77%
Return on Assets	1.36%
Return on Equity	0%
Interest Income	$11.84 million
Non-Interest Income	$5.40 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 AEA Federal Credit Union had $7.14 million in non-current loans and owned real-estate with -$6.09 million in equity and loan loss allowances on hand to cover it. This gives AEA Federal Credit Union a Texas Ratio of (infinite)% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, AEA Federal Credit Union has decreased its total deposits by $-376,000, resulting in -0.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AEA Federal Credit Union has shown is average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AEA Federal Credit Union has $231.29 million in assets with -$6.09 million in equity, resulting in a capitalization level of -2.63%, which is poor.