AAA Federal Credit Union

Overview / Commentary

www.aaafcu.com

574-232-8021

1112 N Bendix Dr
South Bend, IN 46628-1929

AAA Federal Credit Union is headquartered in South Bend and is the 52^nd largest credit union in the state of Indiana. It is also the 2,106^th largest credit union in the nation. It was established in 1939 and as of December of 2018, it had grown to 24 employees and 6,905 members at 3 locations. AAA Federal Credit Union's CD rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer, or attend school in St. Joseph County, Indiana.
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Health

B+

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. AAA Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	3412
Year Chartered	1939
Employees	24
Primary Regulator

Profit Margin
Return on Assets - YTD	0.2%
Return on Equity - YTD	1.77%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$61.5MM$61.1MM
Loans	Q4 2018vs Q4 2017	$25.7MM$27.3MM
Deposits	Q4 2018vs Q4 2017	$54.0MM$53.9MM
Equity Capital	Q4 2018vs Q4 2017	$7.1MM$7.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$173.00K$191.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$66.00K$98.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
CD

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Always verify rates and promotions with the bank or credit union. We are not AAA Federal Credit Union; 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 Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.08%	$250	-	Regular Share
0.08%	-	-	Christmas Club
0.08%	$250	-	Special Savings

AAA Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Money Markets
OTHER TIERS: 0.10% → $2.5k - $25k

AAA Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.95%	$10k	-	36 Month CD
1.90%^*	$10k^*	-	30 Month CD
OTHER TIERS: 1.80% → $500 - $10k
1.85%^*	$10k^*	-	24 Month CD
OTHER TIERS: 1.75% → $500 - $10k
1.75%^*	$10k^*	-	18 Month CD
OTHER TIERS: 1.65% → $500 - $10k
1.30%^*	$10k^*	-	12 Month CD
OTHER TIERS: 1.20% → $500 - $10k
0.50%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.40% → $500 - $10k
0.25%	$300	-	12 Month Teen Club Accounts
0.20%	$500	-	3 Month CD
0.15%	$300	-	6 Month Teen Club Accounts

Locations

AAA Federal Credit Union Locations
Branch Office	1404 E Ireland Rd	South Bend, IN 46614-3452
Branch Office	3630 Edison Lakes Pkwy	Mishawaka, IN 46545-3445
Branch Office	1112 N Bendix Dr	South Bend, IN 46628-1929

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