Academic Employees 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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Academic Employees Credit Union's 3 Year CD rates are at 0.40%, 2 Year CD rates are at 0.30%, 1 Year CD rates are at 0.20%, 3 Month CD rates are at 0.10%, 6 Month CD rates are at 0.10%. Academic Employees Credit Union's savings rates are at 0.10%. Academic Employees Credit Union's Personal Loan Rates are at 10.00%.
Academic Employees 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 Academic Employees Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Academic Employees Credit Union Texas RatioAcademic Employees Credit Union's Texas Ratio is at 4.17%, which is considered excellent. The Texas Ratio for Academic Employees 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 Academic Employees 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
Academic Employees 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, Academic Employees 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.
Academic Employees Credit Union
Academic Employees Credit Union 2804 W Ash St
Columbia, MO 65203 4601 
Academic Employees Credit Union CD Rates
Academic Employees Credit Union Savings Rates
Academic Employees Credit Union Auto Loan Rates
Academic Employees Credit Union Credit Card Rates
Academic Employees Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Academic Employees 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 Academic Employees 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 Academic Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Academic Employees Credit Union
Website: https://www.academicecu.com
Full Time Employees: 4Part Time Employees: 0 President: Russ Sackreiter CEO: Kelly Poindexter Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
2804 W Ash St
Columbia, MO 65203 4601 Phone Number: 573-445-1845 Fax Number: 573-445-2068 FinancialsTotal Assets:
16,170,463
Total Amount of Shares and Deposits:
14,991,084
Total Shares and Deposits < 1 Year:
14,991,084
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
42,254
Total Uninsured Shares and Deposits > $250K (F+J):
42,254
Total Insured Shares and Deposits > $250K (item 17 less item K):
14,948,830
Total Interest Expense (Sum of items 6 8):
5,679
Share Certificates:
7
Number of Accounts for Share Drafts:
896
Number of Accounts for Regular Shares:
1,679
Net Income (unless the amount is already included in Undivided Earnings):
179,684
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,944,379
Total Liabilities:
14,973,552
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Academic Employees Credit UnionIs a member application needed to join Academic Employees Credit Union?Yes, to access services at Academic Employees Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Academic Employees Credit Union provides a range of mortgage and home equity products. Is Academic Employees Credit Union a safe place to deposit money?Yes, Academic Employees Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Academic Employees Credit Union offer online and mobile banking?Most modern institutions like Academic Employees Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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