AAA Banking

Overview / Commentary
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 (6)

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.

Avoid, Cannot Access My Funds For Over 2 Weeks.

Posted by: |

Horrible, avoid. Multiple calls still no access to my funds. 2 weeks of trying to get them to correct the problem. Told I have to wait till next week. Absolutely crazy

Violating FDIC Rules??

Posted by: |

My 2-Yr CD matured, I submitted the request to non-renew the CD and transfer the value into my AAA Checking account. 2 weeks later I'm still waiting for my money. I believe this violates FDIC rules and I plan to file a complaint.


I opened my accounts at a branch in Omaha, then they closed all of their branches. I have banked with Bank of America all online, so thought it would be ok. Wrong! Their customer service is horrible. They don't answer their phones. When I went to close my account they would not transfer the funds to another account and mailed the check which I never received for over 2 weeks. I had a car loan with them and they lost my car title! I have been told AAA is an insurance company that has tried to be a bank. Well, they need to get out of banking. Their auto and life insurance products are not good either! Their trips are good - stick with just travel, AAA.

AAA The Worst

Posted by: |

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: |

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!

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. AAA Banking has a negative return on equity.

Health Grade Components

FDIC Certificate #35115
Year Established1999
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-1.49%
Return on Equity - YTD-13.99%
Annual Interest Income$7.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$567.7MM$563.2MM
LoansQ2 2020vs Q2 2019$288.0MM$318.4MM
DepositsQ2 2020vs Q2 2019$373.4MM$401.8MM
Equity CapitalQ2 2020vs Q2 2019$62.4MM$58.5MM
Loan Loss AllowanceQ2 2020vs Q2 2019$2.4MM$2.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.1MM$1.4MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

AAA Banking Savings Account Rates

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
0.30%-$500kHigh-Yield Savings

AAA Banking Money Market Rates

0.75%*$100k*-Money Market
OTHER TIERS: 0.60% $1.5k - $100k

AAA Banking CD Rates

0.90%$1.5k-5 Year CD
0.85%$1.5k-4 Year CD
0.80%$1.5k-3 Year CD
0.75%$1.5k-18 Month CD
0.75%$1.5k-12 Month CD
0.75%$1.5k-2 Year CD
0.50%$1.5k-9 Month CD
0.45%$1.5k-6 Month CD
0.30%$1.5k-3 Month CD

AAA Banking IRA Rates

0.90%$1.5k-5 Year IRA
0.85%$1.5k-4 Year IRA
0.80%$1.5k-3 Year IRA
0.75%$1.5k-12 Month IRA
0.75%$1.5k-18 Month IRA
0.75%$1.5k-2 Year IRA
0.50%$1.5k-9 Month IRA
0.45%$1.5k-6 Month IRA
0.30%$1.5k-3 Month IRA

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

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