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Alaska District Engineers Federal Credit Union

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Alaska District Engineers Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alaska District Engineers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Alaska District Engineers Federal Credit Union's Personal Loan Rates are as low as 11.50%. MonitorBankRates evaluates the financial stability of Alaska District Engineers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates last updated and verified on 09/22/2026.

Alaska District Engineers Federal 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 Alaska District Engineers Federal Credit Union? Share your experience about Alaska District Engineers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Alaska District Engineers Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.27%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Alaska District Engineers Federal Credit Union
Alaska District Engineers FCU

2204 3RD ST STE 10
JBER, AK 99506-1518

https://www.adefcu.org

Alaska District Engineers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New/Used Auto Loan	-	-	5.50%	84 months max
Details 0.25% discount on all loans if you opt for Autopay. 0.25% discount on all loans if you opt for Autopay. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Alaska District Engineers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Snowmobiles, Motorcycles, ATV, etc. Loan	-	6.25%	60 months max
Details Call Branch for details. 0.25% discount on all loans if you opt for Autopay. 0.25% discount on all loans if you opt for Autopay. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Motor Home Loan	-	6.50%	120 months max
Details Call Branch for details. 0.25% discount on all loans if you opt for Autopay. 0.25% discount on all loans if you opt for Autopay. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Boat Loan	-	7.00%	120 months max
Details Call Branch for details. 0.25% discount on all loans if you opt for Autopay. 0.25% discount on all loans if you opt for Autopay. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Alaska District Engineers Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.50%	60 months max
Details Maximum loan amount $15,000 limit. 0.25% discount on all loans if you opt for Autopay. 0.25% discount on all loans if you opt for Autopay. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Alaska District Engineers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Aircrafts Loan	-	-	7.00%	120 months max
Details 80% of loan to value. 0.25% discount on all loans if you opt for Autopay. 0.25% discount on all loans if you opt for Autopay. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Pledge/Share Loan	-	-	2.00%	Call Branch for deta
Details Term: Call Branch for details.; Pledge of Share. Call Branch for details. 0.25% discount on all loans if you opt for Autopay. 0.25% discount on all loans if you opt for Autopay. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Alaska District Engineers Federal Credit Union’s Texas Ratio stayed near 0.66% in Q2 2023 to 0.27% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$14M	0.27%	5.0	A+
December 31, 2025	$14M	0.45%	5.0	A+
September 30, 2025	$13M	0.51%	5.0	A+
June 30, 2025	$13M	0.85%	5.0	A+
March 31, 2025	$13M	0.37%	5.0	A+
December 31, 2024	$13M	0.47%	5.0	A+
September 30, 2024	$13M	3.14%	5.0	A+
June 30, 2024	$13M	1.16%	5.0	A+
March 31, 2024	$14M	0.99%	5.0	A+
December 31, 2023	$14M	0.97%	5.0	A+
September 30, 2023	$14M	0.27%	5.0	A+
June 30, 2023	$14M	0.66%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Alaska District Engineers Federal 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 Alaska District Engineers Federal 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 Alaska District Engineers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alaska District Engineers Federal Credit Union

Website https://www.adefcu.org

Address 2204 3RD ST STE 10, JBER, AK 99506-1518

Phone 907-753-5118

Fax 907-753-6232

President Herschel Deaton

CEO Jutta Staicer

Full-Time Employees 3

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.27%

Return on Assets (ROA)

0.2025%

Return on Equity (ROE)

2.4845%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

14,000,416

Total Amount of Shares and Deposits

12,858,580

Total Shares and Deposits < 1 Year

12,858,580

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

429,944

Total Uninsured Shares and Deposits > $250K (F+J)

429,944

Total Insured Shares and Deposits > $250K (item 17 less item K)

12,428,636

Total Interest Expense (Sum of items 6 8)

3,365

Share Certificates

Number of Accounts for Share Drafts

278

IRA KEOGH Accounts

Number of Accounts for Regular Shares

510

All other shares

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)

1,811,347

Total Liabilities

12,859,319

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Alaska District Engineers Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Alaska District Engineers Federal Credit Union

How many branches does Alaska District Engineers Federal Credit Union operate?

Alaska District Engineers Federal 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 Alaska District Engineers Federal Credit Union?

Yes, to access services at Alaska District Engineers Federal 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, Alaska District Engineers Federal 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, Alaska District Engineers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Alaska District Engineers Federal Credit Union offer online and mobile banking?

Most modern institutions like Alaska District Engineers Federal 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.adefcu.org.