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AAA Banking


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 (5)

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.

Violating FDIC Rules??

Posted by: hamil63 | Jan 22, 2019

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.

THE WORST BANK EVER - STAY AWAY

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: 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
Employees72
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-1.04%
Return on Equity - YTD-9.96%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$535.5MM$523.0MM
LoansQ1 2019vs Q1 2018$329.6MM$335.4MM
DepositsQ1 2019vs Q1 2018$396.0MM$369.9MM
Equity CapitalQ1 2019vs Q1 2018$55.1MM$53.1MM
Loan Loss AllowanceQ1 2019vs Q1 2018$2.5MM$2.3MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.0MM$710.00K
Real Estate OwnedQ1 2019vs Q1 2018$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
1.85%-$500kHigh-Yield Savings
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
1.05%*$100k*-Money Market
OTHER TIERS: 1.00% $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
2.45%$1.5k-18 Month CD
2.45%$1.5k-12 Month CD
2.45%$1.5k-2 Year CD
2.45%$1.5k-30 Month CD
2.45%$1.5k-3 Year CD
2.45%$1.5k-4 Year CD
2.45%$1.5k-5 Year CD
1.25%$1.5k-9 Month CD
1.00%$1.5k-6 Month CD
0.75%$1.5k-3 Month CD

AAA Banking IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.45%$1.5k-12 Month IRA
2.45%$1.5k-18 Month IRA
2.45%$1.5k-2 Year IRA
2.45%$1.5k-30 Month IRA
2.45%$1.5k-3 Year IRA
2.45%$1.5k-4 Year IRA
2.45%$1.5k-5 Year IRA
1.25%$1.5k-9 Month IRA
1.00%$1.5k-6 Month IRA
0.75%$1.5k-3 Month IRA
Locations


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

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