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 AAC Credit Union Rates & Review September 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
AAC Credit Union's 13 Month CD Special rates are at 4.05%, CDs of Deposit - 6 Month rates are at 3.80%, CDs of Deposit - 9 Month rates are at 3.75%, CDs of Deposit - 12 Month rates are at 3.70%, CDs of Deposit - 18 Month rates are at 3.60%. AAC Credit Union's savings rates are at 0.10%. AAC Credit Union's money market rates are at 0.40%. AAC Credit Union's Personal Loan Rates are as low as 12.99%. AAC Credit Union's Credit Card Rates are at 9.95%. 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 0.21%. Rates last updated and verified on 09/14/2026. 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 AAC Credit Union by leaving a review below, or read customer reviews before you decide to use AAC Credit Union. 
AAC Credit Union CD Rates
AAC Credit Union Savings Rates
AAC Credit Union Money Market Rates
AAC Credit Union Checking Rates
AAC Credit Union Home Equity & HELOC
AAC Credit Union Auto Loan Rates
AAC Credit Union Credit Card Rates
AAC Credit Union Personal Loan Rates
AAC Credit Union Other Rates
Financial Health HistoryAAC Credit Union’s Texas Ratio fell from 2.14% in Q2 2023 to 0.21% in Q1 2026, so its financial health has improved and is now 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 & Overview
Credit Union Name
AAC Credit Union
Website
https://aaccreditunion.org
Address
177 Wilson Ave NW,
Grand Rapids, MI 49534
Phone
616-288-0288
Fax
616-735-4919
President
Thane Barden
CEO
Timothy Kamphuis
Full-Time Employees
44
Part-Time Employees
5
Branch Locations
8
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.21%
Return on Assets (ROA)
0.3620%
Return on Equity (ROE)
1.5130%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
211,223,251
Total Amount of Shares and Deposits
158,540,029
Total Shares and Deposits < 1 Year
155,026,963
Total Shares and Deposits 1 3 Years
2,168,548
Total Shares and Deposits > 3 Years
1,344,520
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,049,225
Total Uninsured Shares and Deposits > $250K (F+J)
8,049,225
Total Insured Shares and Deposits > $250K (item 17 less item K)
150,490,804
Total Interest Expense (Sum of items 6 8)
747,115
Share Certificates
2,380
Number of Accounts for Share Drafts
7,490
IRA KEOGH Accounts
366
Number of Accounts for Regular Shares
20,236
All other shares
1,376
Non Member Deposits
1
Money Market Shares
711
Net Income (unless the amount is already included in Undivided Earnings)
764,595
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)
15,746,145
Total Liabilities
160,688,941
Source: NCUA — Last Updated 03/31/2026
Customer ReviewsfcOV
December 17, 2025
sGKz
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Frequently Asked Questions About AAC Credit UnionHow many branches does AAC Credit Union operate?AAC 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 AAC Credit Union?Yes, to access services at AAC 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, AAC 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, AAC Credit Union provides members with tools to manage their accounts and build a solid financial history. Does AAC Credit Union offer online and mobile banking?Most modern institutions like AAC 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://aaccreditunion.org. Current AAC Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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