Credit union · NCUA insured
AERO Financial
Top CarrotA $360.9M credit union headquartered in Glendale, AZ, with 23,937 members and 7 branches in Arizona. Best rates: CDs 4.50% and savings 1.00% APY.
AERO Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#2 of 60 in Phoenix, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AERO Financial
Chartered in 1957, AERO Financial was formed by aerospace workers as Sperry Phoenix Employees Federal Credit Union in Glendale, Arizona.
The member-owned credit union operates 7 branches in the Phoenix metro area and serves roughly 22,000 members worldwide.
- Headquarters
- 5811 W Talavi Blvd, Glendale, AZ 85306
- NCUA charter
- 12164
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to everyone by joining partner non-profit organization Financial Fitness Association.
Employers and groups
- Employees of the flight and aerospace industry and related sponsors.
Cost to join
- Opening an account requires a $5 minimum deposit to join AERO Financial.
Branches
7 branches in Arizona
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Arizona
7 branches
- Arrowhead Branch18301 N 79th Ave, Bldg A-100, Glendale, AZ 85308Directions
- Beardsley Branch20250 N 59th Ave, Ste B103, Glendale, AZ 85308Directions
- Satellite Office19019 N 59th Ave, Glendale, AZ 85308Directions
- Deer Valley Branch21111 N 19th Ave, Phoenix, AZ 85027Directions
- Engines and Systems Branch3401 E Air Ln, Bldg 122, Phoenix, AZ 85034Directions
- Sky Harbor Branch1944 E Sky Harbor Cir N, Phoenix, AZ 85034Directions
- Tempe Branch9845 S Priest Dr, Ste 101, Tempe, AZ 85284Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.11% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio11.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.11%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of AERO Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.