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This institution is no longer active

Operations ceased on April 1, 2025. CRA examination history below reflects the period it was active.

AUTO CLUB TRUST, FSB

DEARBORN, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1999FDIC #35,115
Satisfactory Same

Current rating · Exam: March 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

1 Auto Club Dr, DEARBORN, MI

County

Wayne County

Established

November 30, 1999

Total Assets

$466M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 28, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20239326.88%46.24%
202245535.38%28.57%
20211,20850.25%14.74%
202069941.34%16.17%
20198964.04%10.11%
201823462.39%8.12%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2015

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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