AFFCU

Overview / Commentary

www.goaffcu.com

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

AFFCU Nationally Available 24-Month Jumbo CD Has Rate-Leading APY - 5/2/2023

AFFCU (easy membership) is currently offering a rate-leading APY on its nationally available 24-month Jumbo Certificate. Minimum $100k opening deposit.

24 Month Jumbo (100K) 5.35% APY - 5/1/2023

24 mo. Jumbo certificate 5.35%. Rate as of 5/1/23. Competitive for what's out there at the moment.

AFFCU Adds Limited-Time Competitive 7-Month Promo Certificate - 11/17/2022

AFFCU (easy membership) is offering a limited-time 7-month Promo Certificate with a competitive rate. $1k minimum deposit, with new money required.

View all posts from:

2023
2022
2020
Earlier

5/2 - AFFCU Nationally Available 24-Month Jumbo CD Has Rate-Leading APY
5/1 - 24 Month Jumbo (100K) 5.35% APY

11/17 - AFFCU Adds Limited-Time Competitive 7-Month Promo Certificate
9/23 - AFFCU Offers Limited-Time Competitive 13-Month Promo Certificate
7/26 - AFFCU Offers 18-Month CD Promo Rate For One Week
7/25 - Limited Time Offer: 3.18% APY Certificate Account 18 Mo

2/15 - AFFCU 2-Year CD Is A National Rate Leader

5/7/18 - Air Force FCU Has Competitive Nationwide 1- and 2-year CDs
8/30/17 - Air Force FCU Offers Competitive 1- and 2-Year CDs Nationwide
2/17/17 - Veterans Now Eligible For Membership At Air Force FCU
4/9/16 - Air Force FCU (Easy Membership) Offers Competitive 1-Year CD
3/25/16 - 1 Yr Cd 1.35 Apy With Add On Feature
8/29/14 - Air Force FCU Lauded For Superior Customer Service
3/5/13 - Higher 1-Year CD Rates and Top 7-Year CD Rate at Air Force FCU
9/26/12 - Top Long-Term CD Rates at Air Force FCU - Easy Membership
1/19/12 - Competitive Long-Term CD Rates at Air Force FCU - Limited Membership
11/2/10 - Competitive 3-Year & 5-Year CD Rates at Air Force FCU - Limited Membership
7/5/10 - Special 18-Month CD at Air Force FCU and a Membership Eligibility Change
7/4/10 - 2.25% 18-Month CD At Air Force FCU - Limited Membership
1/29/09 - 3.65% 24-Month CD & 3.25% 12-Month CD at Air Force FCU
8/30/08 - 4.50% 13-Month Add-On CD at Air Force Federal Credit Union.
6/19/07 - 5.50% 9-Month Add-On CD at Air Force FCU
5/28/07 - 5.75% 36-Month / 5.55% 12-Month CD at Air Force FCU
12/5/06 - 6.00% 13-Month CD at a Texas CU (Air Force)

Reviews (1)

Write a Review

CD Rate Increase For Extra Services

Posted by: EarthVisitor007 | Jun 20, 2019

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".

Comment

Health

B+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8169
Year Chartered	1952
Employees	110
Primary Regulator

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	12.55%
Annual Interest Income	$22.6MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$636.0MM$557.9MM
Loans	Q4 2022vs Q4 2021	$536.9MM$454.7MM
Deposits	Q4 2022vs Q4 2021	$531.4MM$510.0MM
Equity Capital	Q4 2022vs Q4 2021	$45.3MM$42.8MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$1.6MM$1.4MM
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$3.9MM$1.7MM
Real Estate Owned	Q4 2022vs Q4 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$25k	High Yield Savings
OTHER TIERS: 1.00% → $25k+
0.55%^*	$90k^*	-	Traditional IRA Savings
OTHER TIERS: 0.30% → Up to $25k \| 0.45% → $25k - $90k
0.55%^*	$90k^*	-	Roth IRA Savings
OTHER TIERS: 0.30% → Up to $25k \| 0.45% → $25k - $90k
0.10%	-	-	Christmas Club
0.10%	-	-	Secondary Savings
0.10%	-	-	Youth Savings
0.10%	-	-	Student Savings
0.05%	$5	-	Primary Savings

AFFCU Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.85% → Up to $2.5k \| 0.95% → $2.5k - $25k \| 1.25% → $25k - $50k \| 1.40% → $50k - $100k

AFFCU Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Student Checking
0.01%	-	-	Rewards Checking

AFFCU CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$100k	-	18 Month Jumbo Certificate
4.85%	$100k	-	24 Month Jumbo Certificate
4.80%	$1k	-	18 Month Certificate
4.65%	$1k	-	24 Month Certificate
4.50%	$100k	-	12 Month Jumbo Certificate
4.25%	$1k	-	12 Month Certificate
4.25%	$100k	-	36 Month Jumbo Certificate
4.00%	$1k	-	36 Month Certificate
3.75%	$100k	-	6 Month Jumbo Certificate
3.75%	$100k	-	60 Month Jumbo Certificate
3.50%	$1k	-	6 Month Certificate
3.50%	$1k	-	60 Month Certificate
3.30%	$1k	-	7 Year Certificate
3.30%	$100k	-	7 Year Jumbo Certificate
3.00%	$100k	-	48 Month Jumbo Certificate
2.75%	$1k	-	48 Month Certificate

AFFCU IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.80%	$1k	-	18 Month IRA Certificate
4.65%	$1k	-	2 Year IRA Certificate
4.25%	$1k	-	1 Year IRA Certificate
4.00%	$1k	-	3 Year IRA Certificate
3.50%	$1k	-	5 Year IRA Certificate
3.30%	$1k	-	7 Year IRA Certificate

AFFCU Locations
Branch Office	200 Avenue C	Del Rio, TX 78840
Branch Office	151 Valley HI Dr	San Antonio, TX 78227
Branch Office	1560 Cable Ranch Rd Ste 200	San Antonio, TX 78245
Branch Office	2250 Kenly Ave	San Antonio, TX 78236
Branch Office	6000 FM 3009 Ste 206	Schertz, TX 78154
Branch Office	1908 Highway 45 N Suite A	Columbus, MS 39705
Branch Office	9910 W Loop 1604 N Ste 129	San Antonio, TX 78254