AAEC Credit Union Rates and Review February 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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AAEC Credit Union's CD 1 Year rates are at 3.75%, CD 2 Years rates are at 3.25%, CD 3 Years rates are at 3.25%, CD 4 Years rates are at 3.25%, CD 5 Years rates are at 3.25%. AAEC Credit Union's Personal Loan Rates are at 10.00%.
AAEC 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 AAEC Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . AAEC Credit Union Texas RatioAAEC Credit Union's Texas Ratio is at 0.17%, which is considered excellent. The Texas Ratio for AAEC 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 AAEC 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
Excellent
Out of 5.0 Stars
AAEC 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, AAEC Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
AAEC Credit Union
AAEC Credit Union Office 1104 S Arlington Heights Rd
Arlington Heights, IL 60005 3141 
AAEC Credit Union CD Rates
AAEC Credit Union Home Equity & HELOC
AAEC Credit Union Credit Card Rates
AAEC Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for AAEC 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 AAEC 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 AAEC Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: AAEC Credit Union
Website: https://www.aaeccu.com
Full Time Employees: 10Part Time Employees: 3 President: Kelley Zerfahs CEO: Rachel Noltner Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
1104 S Arlington Heights Rd
Arlington Heights, IL 60005 3141 Phone Number: 847-392-1922 Fax Number: 847-392-1926 FinancialsTotal Assets:
117,068,634
Total Amount of Shares and Deposits:
101,493,915
Total Shares and Deposits < 1 Year:
101,258,415
Total Shares and Deposits 1 3 Years:
157,000
Total Shares and Deposits > 3 Years:
78,500
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
4,255,000
Total Uninsured Shares and Deposits > $250K (F+J):
4,255,000
Total Insured Shares and Deposits > $250K (item 17 less item K):
97,238,915
Total Interest Expense (Sum of items 6 8):
1,439,051
Share Certificates:
618
Number of Accounts for Share Drafts:
1,610
Number of Accounts for Regular Shares:
5,157
Non Member Deposits:
4
Net Income (unless the amount is already included in Undivided Earnings):
561,742
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
14,471,721
Total Liabilities:
102,232,166
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Source: NCUA Last Updated 09/30/2025
Frequently Asked Questions About AAEC Credit UnionIs a member application needed to join AAEC Credit Union?Yes, to access services at AAEC Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, AAEC Credit Union provides a range of mortgage and home equity products. Is AAEC Credit Union a safe place to deposit money?Yes, AAEC Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does AAEC Credit Union offer online and mobile banking?Most modern institutions like AAEC Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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