Overview / Commentary
800-222-6424
One Auto Club Drive
Dearborn, MI 48126

Headquartered in Dearborn, MI, AAA Banking is run by Auto Club Trust, FSB. The bank offers a variety of financial products and services, including the following personal deposit account products: savings accounts, checking accounts, money market accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).

AAA Banking’s personal checking accounts include interest and non-interest-bearing options. Its money market accounts yield tiered interest rates. CD terms range from 3 months to 10 years. AAA’s IRAs include both Traditional and Roth products, available either as CDs or as an IRA savings account.

In addition to these personal deposit account products, AAA Banking offers loans (personal, home, and auto) and lines of credit. The bank also offers its customers quick, easy, and safe access to funds through online and mobile banking options.

Reviews (3)

I Think It Works Fine

I have had the money market savings for a year and the ratings make up for the inconvenience of not having a local branch. Also, because it is safe.
I give it 4 stars.

AAA The Worst

Posted by: MMIANO | Mar 20, 2018

The worst banking experience I ever had was with AAA. It took 2 weeks to receive funds when my CD matured. They will only send a check thru the mail (no electronic deposit.) No return phone calls and no tracking!

Auto Club Trust Stinks!

Posted by: rsfriedm | Jun 13, 2016

absolutely the worst banking experience ever. try to open a deposit account and they will ask for your id and password to your external linked bank account. then they say "trust" us, we won't misuse your id and password. they not only ask for it once, but twice during the opening process. unbelievable! I can't believe this bank has the AAA name on it. It reduces AAA to a joke. a bunch of bungling amateurs at best. if you are smart, you will stay away. this "bank" is as much bizarre as it is awful!



Health
B+

Health Grade Components

Overall
FDIC Certificate #35115
Year Established1999
Employees85
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.46%
Return on Equity - YTD-4.31%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$506.4MM$442.2MM
LoansQ2 2018vs Q2 2017$335.0MM$259.3MM
DepositsQ2 2018vs Q2 2017$365.3MM$333.6MM
Equity CapitalQ2 2018vs Q2 2017$54.2MM$58.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.2MM$2.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$619.00K$522.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not AAA Banking; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

AAA Banking Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$40k*-Personal Savings
OTHER TIERS: 0.05% Up to $1.5k | 0.12% $1.5k - $5k | 0.16% $5k - $15k | 0.25% $15k - $40k
0.40%$25-IRA Savings

AAA Banking Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$100k*-Money Market
OTHER TIERS: 0.90% $1.5k - $100k

AAA Banking Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.85%*-$10kHigh Yield Checking
OTHER TIERS: 0.05% $10k+

AAA Banking CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$1.5k-5 Year CD
2.60%$1.5k-7 Year CD
2.60%$1.5k-10 Year CD
2.55%$1.5k-4 Year CD
2.50%$1.5k-3 Year CD
2.45%$1.5k-25 Month CD
2.24%$1.5k-30 Month CD
2.20%$1.5k-13 Month CD
2.19%$1.5k-2 Year CD
2.00%$1.5k-18 Month CD
1.90%$1.5k-12 Month CD
1.00%$1.5k-9 Month CD
0.75%$1.5k-6 Month CD
0.50%$1.5k-3 Month CD

AAA Banking IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$1.5k-5 Year IRA
2.60%$1.5k-7 Year IRA
2.60%$1.5k-10 Year IRA
2.55%$1.5k-4 Year IRA
2.50%$1.5k-3 Year IRA
2.45%$1.5k-25 Month IRA
2.24%$1.5k-30 Month IRA
2.19%$1.5k-2 Year IRA
2.00%$1.5k-18 Month IRA
1.90%$1.5k-12 Month IRA
1.00%$1.5k-9 Month IRA
0.75%$1.5k-6 Month IRA
0.50%$1.5k-3 Month IRA
Locations


AAA Banking Locations
Auto Club Trust, FSBOne Auto Club DriveDearborn, MI 48126

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