F A A Federal Credit Union

Headquarters

3920 Whitebrook Dr
Memphis, TN 38118
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Notable Rates	APY	Vs.Others
Savings	0.04%	4.60% →
1-Year CD	0.43%	4.59% →
2-Year CD	0.53%	4.00% →
5-Year CD	0.80%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

F A A is an NCUA insured institution located in Memphis, TN. It was founded in 1954 and has approximately $127.03 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 9639
Date Established	1954
Assets	$127.03 million
Loans	$46.09 million
Deposits	$105.55 million
Capital	$22.22 million

Field of Membership Restrictions

Must be an employee of Federal Aviation Administration or several other companies.

Deposit Rates - December 15, 2025

Your Current Location: Connecticut, CT 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.04%	$5	-	Learn More Reviews
Money Market	0.10%	$2,500	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.35%	$500	$49,999	Learn More Reviews
6 Mo CD	0.38%	$50,000	-	Learn More Reviews
12 Mo CD	0.40%	$500	$49,999	Learn More Reviews
12 Mo CD	0.43%	$50,000	-	Learn More Reviews
18 Mo CD	0.45%	$500	$49,999	Learn More Reviews
18 Mo CD	0.48%	$50,000	-	Learn More Reviews
24 Mo CD	0.50%	$500	$49,999	Learn More Reviews
24 Mo CD	0.53%	$50,000	-	Learn More Reviews
30 Mo CD	0.55%	$500	$49,999	Learn More Reviews
30 Mo CD	0.58%	$50,000	-	Learn More Reviews
36 Mo CD	0.60%	$500	$49,999	Learn More Reviews
36 Mo CD	0.65%	$50,000	-	Learn More Reviews
48 Mo CD	0.70%	$500	$49,999	Learn More Reviews
48 Mo CD	0.75%	$50,000	-	Learn More Reviews
60 Mo CD	0.75%	$500	$49,999	Learn More Reviews
60 Mo CD	0.80%	$50,000	-	Learn More Reviews

Loan Rates - December 15, 2025

Your Current Location: Connecticut, CT 10007

There are currently no loan rates available for F A A

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.872%	5.750%	0.75	$4,277	$1,868	Learn More
NMLS ID: 757416	5.961%	5.875%	0.88	$2,970	$1,893	Learn More
NMLS ID: 2059741	5.986%	5.875%	0.63	$3,859	$1,893	Learn More

See More Mortgage Rates →

Featured - Connecticut Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Quicken Loans See Table	0.000 %	$0	Learn More More Info
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender Homeowners best kept secret for cash No second mortgage needed Keep the low rate you already have It costs $0 to check your options with lenders
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Eastern Bank See Table	Intro APR 6.750 % After Intro: 6.750 %	$25,000	Learn More More Info
The Annual Percentage Rate (APR) is variable and based on the Prime Rate (Prime) published in the Wall Street Journal (7.00% APR on 12/1/2025) minus 0.25% APR adjusted after each billing cycle. To qualify for the lowest rate, a minimum draw of $25,000 is required at closing with automatic payments from an Eastern Checking Account. Minimum APR is 3.99%. Maximum APR is 18%. Minimum line amount is $10,000 and maximum line amount is $2,000,000. Must be for first or second lien, secured by your 1-4 family primary or secondary residence located in MA, NH, RI and CT. Investment properties are not eligible to be used to secure the line. Combined loan to value limits apply. Property insurance is required. Flood insurance may be required. Subject to credit application and approval. Rates are subject to change without notice. Appraisal fees range from $490 for single family homes to $610 for multifamily properties but could be higher. Title Search is paid by Eastern Bank as is Title Insurance unless the amount borrowed is greater than $750,000 then customer may incur a title Insurance fee, the fee varies by loan amount and state (CT, MA, NH & RI). Certain fees could apply depending on your situation. Customer is responsible for trust and power of attorney review ($100 each), recording fees for power of attorney and for properties held in trust ($105- $123). A list of fees is available upon request. A $350 early cancellation fee applies if the line is closed or rewritten within the first 24 months. Subject to a $50 annual participation fee. Simple online applications means you can apply anywhere. Ability to convert your variable rate into as many as five fixed-rate loans.
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today

See More Home Equity Rates →

Note to F A A
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Branches

Below are F A A branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Danielson,Connecticut

F A A Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Cooper Tire Branch	1034.90	A	View Lobby Hours
Wolfchase Branch	1053.64	B	View Lobby Hours
Centennial Branch	1058.33	C	View Lobby Hours
Main Office-Whitebrook Dr	1064.24	D	View Lobby Hours
Whitebrook Drive	1064.24	E	View Lobby Hours
Memphis Service Center	1065.19	F	View Lobby Hours
Houston Branch	1488.21	G	View Lobby Hours

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Climate Policy and Initiatives

F A A is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

F A A Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of F A A. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

F A A	U.S. Average
2.16%	5.63

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2025, F A A had $493,244 in non-current loans and $5,000 in owned assets. To cover these potential losses it had $22,216,115 in net worth and $800,611 in loans loss reserves. That gives it a Texas Ratio of 2.16%.

Net Worth

F A A	U.S. Average
17.49%	14.29%

F A A FCU has a net worth of 17.49% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for F A A

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