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

Current rates for Air Academy Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.50%, 24-Month CD: 3.30%, 60-Month CD: 3.25%, Savings: 0.05%

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Air Academy Federal Credit Union

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Air Academy Federal Credit Union Rates & Review September 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: September 21, 2026

Air Academy Federal Credit Union's 12 - 17 Month CDs rates are at 3.50%, 12 - 17 Month IRA CDs rates are at 3.50%, 30 - 35 Month CDs rates are at 3.40%, 30 - 35 Month IRA CDs rates are at 3.40%, 36 - 41 Month CDs rates are at 3.40%. Air Academy Federal Credit Union's savings rates are at 0.05%. 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 3.17%. Rates last updated and verified on 09/21/2026.

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 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

3.17%

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

Air Academy Federal Credit Union CD Rates

Product	Rate	APY	Term
12 - 17 Month Certificates	3.45%	3.50%	12-17 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
12 - 17 Month IRA Certificates	3.45%	3.50%	12-17 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
30 - 35 Month Certificates	3.30%	3.40%	30-35 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
30 - 35 Month IRA Certificates	3.35%	3.40%	30-35 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 - 41 Month Certificates	3.35%	3.40%	36-41 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
36 - 41 Month IRA Certificates	3.35%	3.40%	36-41 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
6 - 11 Month Certificates	3.35%	3.40%	6-11 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 - 29 Month Certificates	3.30%	3.35%	24-29 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
24 - 29 Month IRA Certificates	3.30%	3.35%	24-29 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
42 - 47 Month Certificates	3.30%	3.35%	42-47 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
42 - 47 Month IRA Certificates	3.30%	3.35%	42-47 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 - 53 Month Certificates	3.30%	3.35%	48-53 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
48 - 53 Month IRA Certificates	3.30%	3.35%	48-53 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
18 - 23 Month Certificates	3.25%	3.30%	18-23 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
18 - 23 Month IRA Certificates	3.25%	3.30%	18-23 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
54 - 60 Month Certificates	3.20%	3.25%	54-60 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
54 - 60 Month IRA Certificates	3.20%	3.25%	54-60 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
3 - 5 Month Certificates	2.96%	3.00%	3-5 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Reverse Tier Savings Account	-	1.25%
Min Balance $2,000 Details Balance: $2,000.01 - $5,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Saver Account	0.75%	0.75%
Min Balance $0 Details Balance: $0.00-$50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Reverse Tier Savings Account	-	0.25%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00 or Greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Reverse Tier Savings Account	-	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Saver Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Health Savings Account (HSA)	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
IRA Savings Account	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Reverse Tier Savings Account	-	0.05%
Min Balance $50,000 Details Balance: $50,000.01+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Saver Account	0.05%	0.05%
Min Balance $0 Details Balance: Base Rate Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Savings Account	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Special Savings Account	0.05%	0.05%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Air Academy Federal Credit Union Checking Rates

Product	Rate	APY
IOLTA Checking	2.77%	2.81%
Min Balance $0 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Cash Rewards Checking	1.24%	1.25%
Min Balance $0 Details Balance: $0.00-$15,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Cash Rewards Checking	1.24%	1.25%
Min Balance $0 Details Balance: $0.00-$15,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Cash Rewards Checking	0.15%	0.15%
Min Balance $15,000 Details Balance: $15,000.01 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Cash Rewards Checking	0.05%	0.05%
Min Balance $0 Details Balance: Base Rate Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

Air Academy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30 - 35 Month Certificates	3.35%	-	3.40%	30-35 months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Money Fund	0.50%	-	0.50%
Min Balance $0 Details Balance: $0.00-$49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Money Fund	0.65%	-	0.65%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Money Fund	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Money Fund	1.69%	-	1.70%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Business Money Fund	1.98%	-	2.00%
Min Balance $500,000 Details Balance: $500,000.00 or greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	0.40%	-	0.40%
Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	0.40%	-	0.40%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	0.45%	-	0.45%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	0.60%	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	0.65%	-	0.65%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	0.70%	-	0.70%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%
Money Fund	1.09%	-	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and greater Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.17%

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 stayed near 3.23% in Q2 2023 to 3.17% in Q1 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
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+
June 30, 2023	$909M	3.23%	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 6

Branch Locations 8

ATM Locations 8

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

3.17%

Return on Assets (ROA)

0.0618%

Return on Equity (ROE)

0.7334%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

825,424,187

Total Amount of Shares and Deposits

735,497,257

Total Shares and Deposits < 1 Year

703,973,443

Total Shares and Deposits 1 3 Years

26,261,232

Total Shares and Deposits > 3 Years

5,262,582

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

29,057,520

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

29,057,520

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

706,439,737

Total Interest Expense (Sum of items 6 8)

2,338,001

Share Certificates

2,600

Number of Accounts for Share Drafts

22,904

IRA KEOGH Accounts

694

Number of Accounts for Regular Shares

42,687

All other shares

2,854

Money Market Shares

5,855

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

509,870

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)

64,005,825

Total Liabilities

763,757,067

Source: NCUA — Last Updated 03/31/2026

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 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 — no need to download or upload anything.

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

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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.