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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Alabama Central Credit Union Rates & Review March 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: March 16, 2026
Alabama Central Credit Union's 1 year CDs rates are at 4.35%, 1 year CDs rates are at 4.10%, 2 year CDs rates are at 4.10%, 3 year CDs rates are at 4.00%, 1 year CDs rates are at 3.85%. Alabama Central Credit Union's savings rates are at 0.10%. Alabama Central Credit Union's money market rates are at 0.50%. Alabama Central Credit Union's Personal Loan Rates are at 6.00%. MonitorBankRates evaluates the financial stability of Alabama Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates were last updated on 03/16/2026. Alabama Central 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 Alabama Central Credit Union? Share your experience about Alabama Central Credit Union by leaving a review below, or read customer reviews before you decide to use Alabama Central Credit Union. Alabama Central Credit Union
Main Office 3601 4th Ave S
https://www.alabamacentral.org Birmingham, AL 35222 
Alabama Central Credit Union CD Rates
Alabama Central Credit Union Savings Rates
Alabama Central Credit Union Money Market Rates
Alabama Central Credit Union Checking Rates
Alabama Central Credit Union Mortgage Rates
Alabama Central Credit Union Home Equity & HELOC
Alabama Central Credit Union Auto Loan Rates
Alabama Central Credit Union Credit Card Rates
Alabama Central Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alabama Central 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 Alabama Central 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 Alabama Central Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alabama Central Credit Union
Website
https://www.alabamacentral.org
Address
3601 4th Ave S,
Birmingham, AL 35222
Phone
205-510-1300
Fax
205-595-8078
President
Richard Hardy
CEO
Brad Haddock
Full-Time Employees
52
Part-Time Employees
6
Branch Locations
9
ATM Locations
8
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
0.75%
Return on Assets (ROA)
0.6156%
Return on Equity (ROE)
6.6196%
Non-Performing Loans Ratio (NPL)
0.10%
Total Assets
209,396,282
Total Amount of Shares and Deposits
189,518,232
Total Shares and Deposits < 1 Year
173,462,511
Total Shares and Deposits 1 3 Years
15,588,682
Total Shares and Deposits > 3 Years
467,039
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,055,932
Total Uninsured Shares and Deposits > $250K (F+J)
5,055,932
Total Insured Shares and Deposits > $250K (item 17 less item K)
184,462,300
Total Interest Expense (Sum of items 6 8)
1,709,310
Share Certificates
616
Number of Accounts for Share Drafts
8,846
IRA KEOGH Accounts
538
Number of Accounts for Regular Shares
15,319
Non Member Deposits
6
Money Market Shares
201
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,397,672
Total Liabilities
192,056,478
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Alabama Central Credit UnionIs Alabama Central Credit Union a safe place to deposit money?Yes, Alabama Central Credit Union is considered a safe financial institution. With a Texas Ratio of 0.75206262399416%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Alabama Central Credit Union operate?Alabama Central 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 Alabama Central Credit Union?Yes, to access services at Alabama Central 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, Alabama Central 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, Alabama Central Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alabama Central Credit Union offer online and mobile banking?Most modern institutions like Alabama Central 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://www.alabamacentral.org. Current Alabama Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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