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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 One Credit Union Rates & Review November 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 and Verified: October 30, 2026
Alabama One Credit Union's CDs of Deposit Accounts - 6 Month rates are at 4.15%, CDs of Deposit Accounts - 60 Month rates are at 4.15%, CDs of Deposit Accounts - 12 Month rates are at 4.10%, CDs of Deposit Accounts - 48 Month rates are at 4.10%, CDs of Deposit Accounts - 18 Month rates are at 4.05%. Alabama One Credit Union's savings rates are at 1.00%. Alabama One Credit Union's money market rates are at 2.78%. Alabama One Credit Union's checking rates are as high as 2.78%. Alabama One Credit Union's 1st Mortgage - 10 year Fixed rates are at 6.25%, 1st Mortgage - 15 year Fixed rates are at 6.62%, 1st Mortgage - 20 year Fixed rates are at 7.00%, 1st Mortgage - 30 year Fixed rates are at 7.38%. Alabama One Credit Union's Auto Loan Rates are as low as 3.99%. Alabama One Credit Union's Credit Card Rates are at 12.24%. Alabama One Credit Union's CD rates are 42% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Alabama One Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.53%. Rates last updated and verified on 10/30/2026. Alabama One 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 One Credit Union? Share your experience about Alabama One Credit Union by leaving a review below, or read customer reviews before you decide to use Alabama One Credit Union. Alabama One Credit Union
Main Office 1215 Veterans Memorial Pkwy
https://www.alabamaone.org Tuscaloosa, AL 35404-5842  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Alabama One Credit Union CD Rates
Alabama One Credit Union Savings Rates
Alabama One Credit Union Money Market Rates
Alabama One Credit Union Checking Rates
Alabama One Credit Union Mortgage Rates
Alabama One Credit Union Home Equity & HELOC
Alabama One Credit Union Auto Loan Rates
Alabama One Credit Union Credit Card Rates
Alabama One Credit Union Other Rates
Financial Health HistoryAlabama One Credit Union’s Texas Ratio stayed near 6.20% in Q3 2023 to 6.53% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alabama One 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 One 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 One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alabama One Credit Union
Website
https://www.alabamaone.org
Address
1215 Veterans Memorial Pkwy,
Tuscaloosa, AL 35404-5842
Phone
205-759-1595
Fax
205-342-0111
President
Loo Whitfield
CEO
William Oswalt
Full-Time Employees
338
Part-Time Employees
8
Branch Locations
32
ATM Locations
26
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
6.53%
Return on Assets (ROA)
0.2939%
Return on Equity (ROE)
3.2374%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
1,520,960,142
Total Amount of Shares and Deposits
1,362,566,155
Total Shares and Deposits < 1 Year
1,222,014,478
Total Shares and Deposits 1 3 Years
86,016,897
Total Shares and Deposits > 3 Years
54,534,780
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
161,601,099
Total Uninsured Shares and Deposits > $250K (F+J)
161,601,099
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,200,965,056
Total Interest Expense (Sum of items 6 8)
14,913,242
Share Certificates
8,317
Number of Accounts for Share Drafts
58,873
IRA KEOGH Accounts
2,299
Number of Accounts for Regular Shares
108,564
Non Member Deposits
1
Money Market Shares
5,235
Net Income (unless the amount is already included in Undivided Earnings)
4,469,731
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
159,493,726
Total Liabilities
1,418,236,760
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Alabama One Credit Union
Frequently Asked Questions About Alabama One Credit UnionDoes Alabama One Credit Union offer CDs?Yes. Alabama One Credit Union current CD rates include its CDs of Deposit Accounts - 6 Month at 4.15% APY, its CDs of Deposit Accounts - 60 Month at 4.15% APY and its CDs of Deposit Accounts - 12 Month at 4.10% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Alabama One Credit Union NCUA insured?Yes. Alabama One Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Alabama One Credit Union?The highest Alabama One Credit Union CD rate is its CD IRA (Traditional & Roth) - 6 Month at 4.36% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Alabama One Credit Union offer?Alabama One Credit Union CD rates are 4.15% APY for a 6 month CD, 4.10% APY for a 12 month CD, 4.05% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.10% APY for a 4 year CD and 4.15% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Alabama One Credit Union for its full lineup. What is the highest savings rate at Alabama One Credit Union?The highest Alabama One Credit Union savings rate is its Little ONE Membership Savings at 1.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Alabama One Credit Union?The highest Alabama One Credit Union money market rate is its IRA Money Market (Traditional & Roth) at 2.78% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Alabama One Credit Union?The highest Alabama One Credit Union checking rate is its Ascend Checking at 2.78% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Alabama One Credit Union?The lowest Alabama One Credit Union 30 year fixed mortgage rate is its 1st Mortgage - 30 year Fixed at 7.375%, verified by MonitorBankRates as of October 30, 2026. Alabama One Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.625% for a 15 year mortgage and 6.25% for a 10 year mortgage. What is the lowest auto loan rate at Alabama One Credit Union?The lowest Alabama One Credit Union auto loan rate is its Auto Loan at 3.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Alabama One Credit Union?The lowest Alabama One Credit Union credit card APR is its Credit Card at 12.24% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Alabama One Credit Union operate?Alabama One 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 One Credit Union?Yes, to access services at Alabama One 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 One 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 One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alabama One Credit Union offer online and mobile banking?Most modern institutions like Alabama One 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.alabamaone.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Alabama One Credit Union rates compare?Alabama One Credit Union's CD rates are 42% higher than the MonitorBankRates national average, and it has an A health rating. Alabama One Credit Union's top rates are its CD IRA (Traditional & Roth) - 6 Month at 4.36% APY, its Little ONE Membership Savings at 1.00% APY, its IRA Money Market (Traditional & Roth) at 2.78% APY, its Ascend Checking at 2.78% APY, its 1st Mortgage - 10 year Fixed at 6.25%, its Auto Loan at 3.99% APR and its Credit Card at 12.24% APR, verified by MonitorBankRates on October 30, 2026. Current Alabama One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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