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Alamo City Credit Union Rates & Review April 2026

Alamo City Credit Union's 18 month CDs rates are at 3.32%, 12 month CDs rates are at 3.27%, 24 month CDs rates are at 3.18%, 36 month CDs rates are at 3.09%. Alamo City Credit Union's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Alamo City Credit Union with a 2.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 41.33%. Rates were last updated on 04/18/2026.

Alamo City 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 Alamo City Credit Union? Share your experience about Alamo City Credit Union by leaving a review below, or read customer reviews before you decide to use Alamo City Credit Union.

Overall Health & Safety Grade ?
F
High Risk Health Score: 49/100
MonitorBankRates Rating ?
2.0
Weak Out of 5.0 Stars
Texas Ratio ?
41.33%
Fair Higher than avg
Alamo City Credit Union
Credit Union Office
4801 NW Loop 410 Ste 100
San Antonio, TX 78229
https://alamocitycu.com
Member NCUA

Alamo City Credit Union CD Rates

Product Rate APY Term View More
18 month Certificates 3.28% 3.32% 18 months
Min Balance $5,000
Details $5,000 Minimum Balance
Last Updated 04/18/2026
Institution Ratings
2.8
Star Rating
F
Health Grade
Texas Ratio: 41.33%
12 month Certificates 3.23% 3.27% 12 months
Min Balance $1,000
Details $1,000 Minimum Balance
Last Updated 04/18/2026
Institution Ratings
2.8
Star Rating
F
Health Grade
Texas Ratio: 41.33%
24 month Certificates 3.14% 3.18% 24 months
Min Balance $10,000
Details $10,000 Minimum Balance
Last Updated 04/18/2026
Institution Ratings
2.8
Star Rating
F
Health Grade
Texas Ratio: 41.33%
36 month Certificates 3.05% 3.09% 36 months
Min Balance $10,000
Details $10,000 Minimum Balance
Last Updated 04/18/2026
Institution Ratings
2.8
Star Rating
F
Health Grade
Texas Ratio: 41.33%

Alamo City Credit Union Savings Rates

Product Rate APY View More
Regular shares/special savings 0.25% 0.25%
Min Balance $5,001
Details $5,001- and up Quarterly
Last Updated 04/18/2026
Institution Ratings
2.8
Star Rating
F
Health Grade
Texas Ratio: 41.33%
Regular shares/special savings 0.10% 0.10%
Min Balance $100
Details $100-$5,000 Quarterly
Last Updated 04/18/2026
Institution Ratings
2.8
Star Rating
F
Health Grade
Texas Ratio: 41.33%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Alamo City 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 Alamo City 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 Alamo City Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alamo City Credit Union
Address 4801 NW Loop 410 Ste 100, San Antonio, TX 78229
Phone 210-521-2898
Fax 210-521-3846
President Michael Tapscott
CEO Dennis Villanueva
Full-Time Employees 4
Part-Time Employees 2
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
2.0 / 5.0 ★
Overall Health & Safety Grade
F (49/100)
Texas Ratio
41.33%
Return on Assets (ROA)
-3.6234%
Return on Equity (ROE)
-58.8042%
Non-Performing Loans Ratio (NPL)
3.16%
Total Assets
10,061,357
Total Amount of Shares and Deposits
9,363,913
Total Shares and Deposits < 1 Year
3,354,556
Total Shares and Deposits 1 3 Years
6,005,321
Total Shares and Deposits > 3 Years
4,036
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,893
Total Uninsured Shares and Deposits > $250K (F+J)
16,893
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,347,020
Total Interest Expense (Sum of items 6 8)
191,838
Share Certificates
229
Number of Accounts for Share Drafts
278
IRA KEOGH Accounts
7
Number of Accounts for Regular Shares
1,160
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,319,011
Total Liabilities
9,441,401
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Alamo City Credit Union

Is Alamo City Credit Union a safe place to deposit money?

Yes, Alamo City Credit Union is considered a safe financial institution. With a Texas Ratio of 41.329062062469%, the institution's financial health is rated as stable. 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 Alamo City Credit Union operate?

Alamo City 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 Alamo City Credit Union?

Yes, to access services at Alamo City 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, Alamo City 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, Alamo City Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Alamo City Credit Union offer online and mobile banking?

Most modern institutions like Alamo City 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://alamocitycu.com.

Current Alamo City Credit Union Rates

  • 12-Month CD3.27%
  • 18-Month CD3.32%
  • 24-Month CD3.18%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.