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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 Credit Union Rates & Review April 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: April 18, 2026
Alabama Credit Union's money market rates are at 0.50%. Alabama Credit Union's 3/1 ARM, First Mortgage rates are at 5.00%, 10 Year Fixed, First Mortgage rates are at 5.25%, 5/1 ARM, First Mortgage rates are at 5.50%, 15 Year Fixed, First Mortgage rates are at 5.50%, 5/5 ARM, First Mortgage rates are at 5.88%. Alabama Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Alabama Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.17%. Rates were last updated on 04/18/2026. Alabama 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 Credit Union? Share your experience about Alabama Credit Union by leaving a review below, or read customer reviews before you decide to use Alabama Credit Union. Alabama Credit Union
Administration Building 909 Anna Ave
https://www.alabamacu.com/ Tuscaloosa, AL 35401 
Alabama Credit Union Money Market Rates
Alabama Credit Union Mortgage Rates
Alabama Credit Union Auto Loan Rates
Alabama Credit Union Credit Card Rates
Alabama Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alabama 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alabama Credit Union
Website
https://www.alabamacu.com/
Address
909 Anna Ave,
Tuscaloosa, AL 35401
Phone
888-817-2002
Fax
205-650-1020
President
Ron Dulek
CEO
June Landrum
Full-Time Employees
381
Part-Time Employees
17
Branch Locations
39
ATM Locations
36
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.17%
Return on Assets (ROA)
0.5338%
Return on Equity (ROE)
5.4988%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
2,059,953,361
Total Amount of Shares and Deposits
1,758,808,964
Total Shares and Deposits < 1 Year
1,604,501,238
Total Shares and Deposits 1 3 Years
145,590,764
Total Shares and Deposits > 3 Years
8,716,962
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
114,356,779
Total Uninsured Shares and Deposits > $250K (F+J)
114,356,785
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,644,452,179
Total Interest Expense (Sum of items 6 8)
35,953,385
Share Certificates
12,520
Number of Accounts for Share Drafts
89,369
IRA KEOGH Accounts
2,311
Number of Accounts for Regular Shares
169,154
All other shares
330
Non Member Deposits
25
Money Market Shares
3,058
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
108,888,185
Total Liabilities
1,924,160,547
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Alabama Credit UnionIs Alabama Credit Union a safe place to deposit money?Yes, Alabama Credit Union is considered a safe financial institution. With a Texas Ratio of 6.1746700487464%, 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 Credit Union operate?Alabama 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 Credit Union?Yes, to access services at Alabama 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alabama Credit Union offer online and mobile banking?Most modern institutions like Alabama 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.alabamacu.com/. Current Alabama Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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