Air Force Federal Credit Union

Air Force Federal Credit Union Locations

1560 Cable Ranch Rd Ste 200
San Antonio, TX 78245
210-673-5610
airforcefcu.com

NCUA

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Air Force Federal Credit Union is headquartered in SAN ANTONIO and is the 48^th largest credit union in the state of Texas. It is also the 581^st largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 137 employees and 36,505 members. Air Force Federal Credit Union has a 5-star health rating.

Air Force Federal Credit Union Routing Number: 314085504

Higher 1-Year CD Rates and Top 7-Year CD Rate at Air Force FCU - 3/5/2013

Air Force Federal Credit Union recently increased its 1-year and 2-year CD rates. Also noteworthy is that its 7-year CD rates remain very competitive. The credit union's top-tier 1-year and 2-year CD ...

Top Long-Term CD Rates at Air Force FCU - Easy Membership - 9/26/2012

It has become very difficult finding CD rates over 2.00% in this awful interest rate environment. That's even the case for long-term CDs with terms over 5 years. In the last few months, we have seen s ...

Competitive Long-Term CD Rates at Air Force FCU - Limited Membership - 1/19/2012

Air Force Federal Credit Union did something that's not common these days. It made some large rate increases on its share certificates. Its long-term CDs and IRA CDs are now competitive. The best ones ...

Competitive 3-Year & 5-Year CD Rates at Air Force FCU - Limited Membership - 11/2/2010

Air Force FCU continues to offer competitive 3-year and 5-year CD rates. The best rates require a $100K minimum deposit and include a 3.00% APY 5-year CD and a 2.40% APY 3-year CD. For the 5-year CD, ...

2010

2009

1/29 - 3.65% 24-Month CD & 3.25% 12-Month CD at Air Force FCU

2008

8/20 - 4.50% 13-Month Add-On CD at Air Force Federal Credit Union.

2007

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

Air Force Federal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Simple Checking
0.05%	-	-	First Class Checking

Air Force Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$100k	-	IRA Shares
0.40%	$100k	-	Coverdell ESA Shares
0.40%	$100k	-	Health Savings Account (HSA)
0.40%	$100k	-	Roth IRA Shares
0.10%	-	-	Share Savings
0.10%	-	-	Christmas Club

Air Force Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market Account

Air Force Federal Credit Union CD Rates

Apy	Min	Max	Product
1.90%	$100k	-	7 Year CD
1.55%	$100k	-	5 Year CD
1.15%	$100k	-	3 Year CD
1.00%	$100k	-	2 Year CD
0.95%	$100k	-	3 Year Bump Up CD
0.75%	$100k	-	1 Year CD
0.50%	$100k	-	6 Month CD
0.40%	$100	-	1 Year Booster CD

Air Force Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.90%	$100k	-	7 Year IRA
1.90%	$100k	-	7 Year Roth IRA
1.90%	$100k	-	7 Year CESA
1.55%	$100k	-	5 Year IRA
1.55%	$100k	-	5 Year Roth IRA
1.55%	$100k	-	5 Year CESA
1.15%	$100k	-	3 Year IRA
1.15%	$100k	-	3 Year Roth IRA
1.15%	$100k	-	3 Year CESA
1.00%	$100k	-	2 Year IRA
1.00%	$100k	-	2 Year Roth IRA
1.00%	$100k	-	2 Year CESA
0.75%	$100k	-	1 Year IRA
0.75%	$100k	-	1 Year Roth IRA
0.75%	$100k	-	1 Year CESA
0.50%	$100k	-	6 Month IRA
0.50%	$100k	-	6 Month Roth IRA
0.50%	$100k	-	6 Month CESA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

AIR FORCE
NCUA #	8169
BankRate Report	View
Year Chartered	1952
Employees	137
Primary Regulator
Assets and Liabilities
Assets	$355.18 million
Loans	$203.48 million
Deposits	$316.72 million
Equity Capital	$27.59 million
Loan Loss Allowance	$1.45 million
Unbacked Noncurrent Loans	$1.34 million
Historic Data - December 2011
Assets	$342.42 million
Equity Capital	$27.03 million
Loan Loss Allowance	$1.56 million
Unbacked Noncurrent Loans	$1.82 million
Profit Margin - Quarterly
Net Interest Margin	4.45%
Return on Assets	0%
Return on Equity	0%
Interest Income	$13.46 million
Non-Interest Income	$6.16 million

Institution Health

Overall Score:

5 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 Air Force Federal Credit Union had $1.34 million in non-current loans and owned real-estate with $29.04 million in equity and loan loss allowances on hand to cover it. This gives Air Force Federal Credit Union a Texas Ratio of 4.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Air Force Federal Credit Union decreased slightly from 6.37% as of December 31, 2011 to 4.61% as of December 31, 2012, resulting in a positive change of 27.52%.This indicates that the balance sheet and financial strength for Air Force Federal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Air Force Federal Credit Union has increased its total deposits by $5.05 million, resulting in 1.62% 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 Air Force Federal Credit Union has shown is above 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. Air Force Federal Credit Union has $355.18 million in assets with $29.04 million in equity, resulting in a capitalization level of 8.18%, which is average.