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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.
 AlaTrust 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 25, 2026
AlaTrust Credit Union's IRA CD 1 Year rates are at 3.75%, IRA CD 6 Month rates are at 3.50%, IRA CD 18 Month rates are at 3.25%, IRA CD 5 Year rates are at 3.25%, IRA CD 2 Year rates are at 3.00%. AlaTrust Credit Union's money market rates are at 0.75%. AlaTrust Credit Union's Personal Loan Rates are at 18.00%. MonitorBankRates evaluates the financial stability of AlaTrust Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.33%. Rates were last updated on 03/25/2026. AlaTrust 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 AlaTrust Credit Union? Share your experience about AlaTrust Credit Union by leaving a review below, or read customer reviews before you decide to use AlaTrust Credit Union. 
AlaTrust Credit Union CD Rates
AlaTrust Credit Union Money Market Rates
AlaTrust Credit Union Checking Rates
AlaTrust Credit Union Credit Card Rates
AlaTrust Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for AlaTrust 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 AlaTrust 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 AlaTrust Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
AlaTrust Credit Union
Website
https://www.alatrustcu.com
Address
1810 Merchants Dr,
Hoover, AL 35244 1005
Phone
205-581-8800
Fax
205-581-8816
President
Donald Duck
CEO
Steve Nix
Full-Time Employees
36
Part-Time Employees
2
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.33%
Return on Assets (ROA)
0.7099%
Return on Equity (ROE)
5.0342%
Non-Performing Loans Ratio (NPL)
1.82%
Total Assets
210,735,256
Total Amount of Shares and Deposits
186,164,189
Total Shares and Deposits < 1 Year
180,703,410
Total Shares and Deposits 1 3 Years
4,324,860
Total Shares and Deposits > 3 Years
1,135,920
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,091,677
Total Uninsured Shares and Deposits > $250K (F+J)
14,091,677
Total Insured Shares and Deposits > $250K (item 17 less item K)
172,072,512
Total Interest Expense (Sum of items 6 8)
1,989,736
Share Certificates
1,523
Number of Accounts for Share Drafts
6,535
IRA KEOGH Accounts
363
Number of Accounts for Regular Shares
14,473
All other shares
138
Money Market Shares
367
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,690,550
Total Liabilities
187,458,677
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About AlaTrust Credit UnionIs AlaTrust Credit Union a safe place to deposit money?Yes, AlaTrust Credit Union is considered a safe financial institution. With a Texas Ratio of 7.330467892132%, 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 AlaTrust Credit Union operate?AlaTrust 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 AlaTrust Credit Union?Yes, to access services at AlaTrust 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, AlaTrust 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, AlaTrust Credit Union provides members with tools to manage their accounts and build a solid financial history. Does AlaTrust Credit Union offer online and mobile banking?Most modern institutions like AlaTrust 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.alatrustcu.com. Current AlaTrust Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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