This institution is no longer active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

Is this bank safe?

AUTO CLUB TRUST, FSB holds a Satisfactory CRA rating (2022).

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

Year	Applications	Orig. Rate	Denial Rate
2023	93	26.88%	46.24%
2022	455	35.38%	28.57%
2021	1,208	50.25%	14.74%
2020	699	41.34%	16.17%
2019	89	64.04%	10.11%
2018	234	62.39%	8.12%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2022	Satisfactory	Intermediate Small Bank
Mar 2019	Satisfactory	Intermediate Small Bank
Mar 2015	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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