AFFCU


Overview / Commentary
210-673-5610
1560 Cable Ranch Rd Ste 200
San Antonio, TX 78245

Air Force Federal Credit Union was established in 1952 by Airmen volunteers as Lackland Federal Credit Union. Today, it is headquartered in San Antonio, TX, and its funds are insured by the National Credit Union Administration.

Air Force FCU provides a range of personal deposit accounts to its members, including checking accounts, savings accounts, money market accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs). Customers can securely and conveniently access their funds via online and mobile banking.

The credit union requires a basic savings account for membership, and its checking accounts include a product option for those with poor credit history. Money market accounts yield tiered interest rates, based upon the account balance. CD terms range from 6 months to 7 years, and CD funds may be used as collateral for certain loans. IRA options include Traditional, Roth, and Coverdell ESA products.

In addition to offering payroll and merchant payment processing services to its business clients, Air Force FCU also offers business checking accounts.

Field of Membership Restrictions

AFFCU is open to (1) Active or Retired service members of the Army, Marine Corps, Airforce, Navy, National Guards, (2) DoD and US Government employees (current or retired) (3) Immediate and extended family of either service members or credit union members, (4) anyone affiliated with the following SEGs: Airman Heritage Foundation, San Antonio Food Bank (working in San Antonio, Texas), or those honorably discharged from the National Guard or US Armed Services who reside in Oklahoma, Texas, Louisiana, Mississippi or Arkansas, or any other group (a complete list can be found on the credit union's website).
See current membership details

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Reviews (1)

CD Rate Increase For Extra Services

FYI reference: https://www.magnifymoney.com/blog/reviews/air-force-federal-credit-union/

"The credit union currently pays the same interest rate regardless of the size of your deposit. They do offer a rate bonus if you use other services there. If you have either an AFFCU checking account or loan, they will add an additional 10 basis points to your interest rate; if you have both a checking account and loan they will add 20 basis points".



Health
B+

Health Grade Components

Overall
NCUA #8169
Year Chartered1952
Employees116
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD7.77%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$437.8MM$416.7MM
LoansQ2 2019vs Q2 2018$356.1MM$338.6MM
DepositsQ2 2019vs Q2 2018$394.5MM$383.5MM
Equity CapitalQ2 2019vs Q2 2018$31.1MM$28.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.6MM$1.7MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.6MM$1.2MM
Real Estate OwnedQ2 2019vs Q2 2018$0$139.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not AFFCU; 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.

AFFCU Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%--America Saves Club
0.55%*$90k*-IRA Share Account
OTHER TIERS: 0.30% Up to $25k | 0.45% $25k - $90k
0.55%*$100k*-Coverdell Account
OTHER TIERS: 0.30% Up to $25k | 0.45% $25k - $100k
0.55%*$90k*-HSA Share Draft Checking
OTHER TIERS: 0.30% Up to $25k | 0.45% $25k - $90k
0.10%$5-Regular Share Account
0.10%--Christmas Club Account
0.10%--Secondary Share Account

AFFCU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $2.5k | 0.55% $2.5k - $25k | 0.80% $25k - $50k | 0.90% $50k - $100k

AFFCU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$250k*$500kElite Checking
OTHER TIERS: 0.20% Up to $10k | 0.50% $10k - $25k | 0.65% $25k - $50k | 0.85% $50k - $100k | 1.05% $100k - $250k | 1.08% $500k+
0.05%$500-Advantage Checking
0.05%$750-Plus Checking

AFFCU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.95%*$100k*-7 Year CD
OTHER TIERS: 2.80% $2.5k - $12.5k | 2.85% $12.5k - $25k | 2.90% $25k - $100k
2.65%*$100k*-5 Year CD
OTHER TIERS: 2.50% $2.5k - $12.5k | 2.55% $12.5k - $25k | 2.60% $25k - $100k
2.46%*$100k*-1 Year CD
OTHER TIERS: 2.25% $1k - $2.5k | 2.31% $2.5k - $12.5k | 2.36% $12.5k - $25k | 2.41% $25k - $100k
2.35%*$100k*-3 Year CD
OTHER TIERS: 2.15% $1k - $2.5k | 2.20% $2.5k - $12.5k | 2.25% $12.5k - $25k | 2.30% $25k - $100k
2.30%*$100k*-2 Year CD
OTHER TIERS: 2.10% $1k - $2.5k | 2.15% $2.5k - $12.5k | 2.20% $12.5k - $25k | 2.25% $25k - $100k
2.15%*$100k*-6 Month CD
OTHER TIERS: 1.95% $1k - $2.5k | 2.00% $2.5k - $12.5k | 2.05% $12.5k - $25k | 2.10% $25k - $100k

AFFCU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.95%*$100k*-7 Year IRA
OTHER TIERS: 2.80% $2.5k - $12.5k | 2.85% $12.5k - $25k | 2.90% $25k - $100k
2.65%*$100k*-5 Year IRA
OTHER TIERS: 2.50% $2.5k - $12.5k | 2.55% $12.5k - $25k | 2.60% $25k - $100k
2.46%*$100k*-1 Year IRA
OTHER TIERS: 2.25% $1k - $2.5k | 2.31% $2.5k - $12.5k | 2.36% $12.5k - $25k | 2.41% $25k - $100k
2.35%*$100k*-3 Year IRA
OTHER TIERS: 2.15% $1k - $2.5k | 2.20% $2.5k - $12.5k | 2.25% $12.5k - $25k | 2.30% $25k - $100k
2.30%*$100k*-2 Year IRA
OTHER TIERS: 2.10% $1k - $2.5k | 2.15% $2.5k - $12.5k | 2.20% $12.5k - $25k | 2.25% $25k - $100k
2.15%*$100k*-6 Month IRA
OTHER TIERS: 1.95% $1k - $2.5k | 2.00% $2.5k - $12.5k | 2.05% $12.5k - $25k | 2.10% $25k - $100k
Locations


AFFCU Locations
Branch Office200 Avenue CDel Rio, TX 78840
Branch Office1023 Rittiman Rd Ste 105San Antonio, TX 78218
Branch Office7853 Guilbeau RdSan Antonio, TX 78250
Branch Office151 Valley HI DrSan Antonio, TX 78227
Branch Office3103 Wurzbach RdSan Antonio, TX 78238
Branch Office1560 Cable Ranch Rd Ste 200San Antonio, TX 78245
Branch Office2250 Kenly AveSan Antonio, TX 78236
Branch Office6000 FM 3009 Ste 206Schertz, TX 78154
Branch Office501 W Quincy StSan Antonio, TX 78212-5161

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