AAC Credit Union Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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AAC Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of AAC Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.31%. Rates were last updated on 03/02/2026.
AAC 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 AAC Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . AAC Credit Union Texas RatioAAC Credit Union's Texas Ratio is at 1.31%, which is considered excellent. The Texas Ratio for AAC Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that AAC Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
AAC Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, AAC Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 99/100
AAC Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
AAC Credit Union Checking Rates
AAC Credit Union Home Equity & HELOC
AAC Credit Union Auto Loan Rates
AAC Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for AAC 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 AAC 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 AAC Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: AAC Credit Union
Website: https://aaccreditunion.org
Full Time Employees: 40Part Time Employees: 5 President: Thane Barden CEO: Timothy Kamphuis Branch Locations: 8 ATM Locations: 6 Corporate Office Address:
177 Wilson Ave NW
Grand Rapids, MI 49534 Phone Number: 616-288-0288 Fax Number: 616-735-4919 FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (99/100)
Texas Ratio:
1.31%
Return on Assets (ROA):
1.1956%
Return on Equity (ROE):
5.0943%
Non-Performing Loans Ratio (NPL):
0.51%
Total Assets:
204,608,001
Total Amount of Shares and Deposits:
153,590,801
Total Shares and Deposits < 1 Year:
147,601,411
Total Shares and Deposits 1 3 Years:
5,328,267
Total Shares and Deposits > 3 Years:
661,123
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
6,749,292
Total Uninsured Shares and Deposits > $250K (F+J):
6,749,292
Total Insured Shares and Deposits > $250K (item 17 less item K):
146,841,509
Total Interest Expense (Sum of items 6 8):
2,334,239
Share Certificates:
2,419
Number of Accounts for Share Drafts:
7,484
IRA KEOGH Accounts:
364
Number of Accounts for Regular Shares:
20,399
All other shares:
1,361
Non Member Deposits:
1
Money Market Shares:
715
Net Income (unless the amount is already included in Undivided Earnings):
2,446,369
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
11,950,622
Total Liabilities:
155,493,609
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Source: NCUA Last Updated 09/30/2025
Frequently Asked Questions About AAC Credit UnionIs a member application needed to join AAC Credit Union?Yes, to access services at AAC Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, AAC Credit Union provides a range of mortgage and home equity products. Is AAC Credit Union a safe place to deposit money?Yes, AAC Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does AAC Credit Union offer online and mobile banking?Most modern institutions like AAC Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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