What are the current interest rates at Air Academy Federal Credit Union?

Current rates for Air Academy Federal Credit Union include: 12-Month CD: 3.66%, 18-Month CD: 3.76%, 24-Month CD: 3.56%, 60-Month CD: 3.51%, Savings: 6.50%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Air Academy Federal Credit Union

iAdvertiser Disclosure

Air Academy Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Air Academy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Air Academy Federal Credit Union's top rates as of October 12, 2026 are 3.76% APY on its 12 - 17 Month CDs CD, 6.50% APY on savings, and 1.25% APY on checking, according to rates verified by MonitorBankRates. Other Air Academy Federal Credit Union CD rates include 12 - 17 Month IRA CDs at 3.76%, 30 - 35 Month CDs at 3.66%, and 30 - 35 Month IRA CDs at 3.66%. MonitorBankRates evaluates the financial stability of Air Academy Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.50%. Rates last updated and verified on 10/12/2026.

Air Academy Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Air Academy Federal Credit Union? Share your experience about Air Academy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Air Academy Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Air Academy Federal Credit Union
Cordera

9810 N Union Blvd
Colorado Springs, CO 80924-5002

https://www.aafcu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Air Academy Federal Credit Union CD Rates

Product	Rate	APY	Term
12 - 17 Month Certificates	3.695%	3.76%	12-17 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50% Oct 4, 20263.76%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
12 - 17 Month IRA Certificates	3.695%	3.76%	12-17 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.76% ▲ 0.26 pts · high 3.76% / low 3.50% Oct 4, 20263.76%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30 - 35 Month Certificates	3.598%	3.66%	30-35 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 4, 20263.66%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
30 - 35 Month IRA Certificates	3.598%	3.66%	30-35 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 4, 20263.66%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36 - 41 Month Certificates	3.598%	3.66%	36-41 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 4, 20263.66%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
36 - 41 Month IRA Certificates	3.598%	3.66%	36-41 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 4, 20263.66%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
6 - 11 Month Certificates	3.598%	3.66%	6-11 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 4, 20263.66%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24 - 29 Month Certificates	3.55%	3.61%	24-29 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 4, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
24 - 29 Month IRA Certificates	3.55%	3.61%	24-29 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 4, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
42 - 47 Month Certificates	3.55%	3.61%	42-47 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 4, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
42 - 47 Month IRA Certificates	3.55%	3.61%	42-47 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 4, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48 - 53 Month Certificates	3.55%	3.61%	48-53 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 4, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
48 - 53 Month IRA Certificates	3.55%	3.61%	48-53 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.61% ▲ 0.26 pts · high 3.61% / low 3.35% Oct 4, 20263.61%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18 - 23 Month Certificates	3.501%	3.56%	18-23 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30% Oct 4, 20263.56%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
18 - 23 Month IRA Certificates	3.501%	3.56%	18-23 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30% Oct 4, 20263.56%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
54 - 60 Month Certificates	3.453%	3.51%	54-60 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25% Oct 4, 20263.51%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
54 - 60 Month IRA Certificates	3.453%	3.51%	54-60 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.51% ▲ 0.26 pts · high 3.51% / low 3.25% Oct 4, 20263.51%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
3 - 5 Month Certificates	3.21%	3.26%	3-5 months
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.26% ▲ 0.26 pts · high 3.26% / low 3.00% Oct 4, 20263.26%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

Air Academy Federal Credit Union Savings Rates

Product	Rate	APY
Reverse Tier Savings Account	-	6.50%
Min Balance $0 Details Balance: $0.00 - $2,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Reverse Tier Savings Account	-	1.25%
Min Balance $2,000 Details Balance: $2,000.01 - $5,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Saver Account	0.747%	0.75%
Min Balance $0 Details Balance: $0.00-$50,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Reverse Tier Savings Account	-	0.25%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00 or Greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Reverse Tier Savings Account	-	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Saver Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.01 or greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Health Savings Account (HSA)	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Savings Account	0.05%	0.05%
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Reverse Tier Savings Account	-	0.05%
Min Balance $50,000 Details Balance: $50,000.01+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Saver Account	0.05%	0.05%
Details Base Rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Savings Account	0.05%	0.05%
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Special Savings Account	0.05%	0.05%
Details Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

Air Academy Federal Credit Union Checking Rates

Product	Rate	APY	View More
Cash Rewards Checking	1.243%	1.25%
Min Balance $0 Details Balance: $0.00-$15,000.00; Qualifying balance up to $15,000.00; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 1.25% → 1.25% ▼ 0.00 pts · high 1.25% / low 0.05% Oct 12, 20261.25%▲ from 0.05% Sep 21, 20260.05%▼ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

Air Academy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Business Money Fund	0.995%	-	1.00%
Min Balance $0 Details Balance: $0.00-$49,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50% Oct 12, 20261.00%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Money Fund	1.243%	-	1.25%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 1.25% ▲ 0.60 pts · high 1.25% / low 0.65% Oct 4, 20261.25%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Money Fund	1.49%	-	1.50%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00% Oct 4, 20261.50%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Money Fund	1.834%	-	1.85%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.70% → 1.85% ▲ 0.15 pts · high 1.85% / low 1.70% Oct 4, 20261.85%▲ from 1.70% Sep 14, 20261.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Business Money Fund	2.227%	-	2.25%
Min Balance $500,000 Details Balance: $500,000.00 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 4, 20262.25%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 12-17 months	3.695%	-	3.76%	12-17 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 18-23 months	3.501%	-	3.56%	18-23 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 24-29 months	3.55%	-	3.61%	24-29 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 30-35 months	3.598%	-	3.66%	30-35 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 36-41 months	3.598%	-	3.66%	36-41 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 42-47 months	3.55%	-	3.61%	42-47 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 48-53 months	3.55%	-	3.61%	48-53 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
IRA Certificates - 54-60 months	3.453%	-	3.51%	54-60 months
Details Dividend Rate; Effective as of 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	0.399%	-	0.40%
Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	0.399%	-	0.40%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	0.449%	-	0.45%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	0.499%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	0.598%	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	0.648%	-	0.65%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	0.698%	-	0.70%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%
Money Fund	1.094%	-	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.50%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Air Academy Federal Credit Union’s Texas Ratio fell from 4.20% in Q3 2023 to 3.50% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$810M	3.50%	5.0	A+
March 31, 2026	$825M	3.17%	5.0	A+
December 31, 2025	$813M	2.96%	5.0	A+
September 30, 2025	$817M	4.35%	5.0	A+
June 30, 2025	$831M	3.28%	5.0	A+
March 31, 2025	$839M	2.95%	5.0	A+
December 31, 2024	$818M	4.64%	5.0	A+
September 30, 2024	$851M	5.38%	5.0	A+
June 30, 2024	$888M	4.30%	5.0	A+
March 31, 2024	$916M	4.49%	5.0	A+
December 31, 2023	$908M	4.58%	5.0	A+
September 30, 2023	$915M	4.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Air Academy Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Air Academy Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Air Academy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Air Academy Federal Credit Union

Website https://www.aafcu.com

Address 9810 N Union Blvd, Colorado Springs, CO 80924-5002

Phone 719-593-8600

Fax

President Donald Bird

CEO Glenn Strebe

Full-Time Employees 144

Part-Time Employees 1

Branch Locations 10

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.50%

Return on Assets (ROA)

0.1815%

Return on Equity (ROE)

2.1375%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

810,442,107

Total Amount of Shares and Deposits

719,981,116

Total Shares and Deposits < 1 Year

687,913,352

Total Shares and Deposits 1 3 Years

27,911,869

Total Shares and Deposits > 3 Years

4,155,895

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

28,004,697

Total Uninsured Shares and Deposits > $250K (F+J)

28,004,697

Total Insured Shares and Deposits > $250K (item 17 less item K)

691,976,419

Total Interest Expense (Sum of items 6 8)

4,675,347

Share Certificates

2,559

Number of Accounts for Share Drafts

23,056

IRA KEOGH Accounts

678

Number of Accounts for Regular Shares

42,555

All other shares

2,861

Money Market Shares

5,837

Net Income (unless the amount is already included in Undivided Earnings)

1,471,327

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

49,789,120

Total Liabilities

747,746,886

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Air Academy Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/air-academy-federal-credit-union-rates-review-10600">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Air Academy Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Air Academy Federal Credit Union

Frequently Asked Questions About Air Academy Federal Credit Union

How many branches does Air Academy Federal Credit Union operate?

Air Academy Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Air Academy Federal Credit Union?

Yes, to access services at Air Academy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Air Academy Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Air Academy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Air Academy Federal Credit Union offer online and mobile banking?

Most modern institutions like Air Academy Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aafcu.com.