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AllSouth Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 29, 2026
AllSouth Federal Credit Union's 12 Month CD rates are at 4.23%, 6 Month CD rates are at 3.66%, 24 Month CD rates are at 3.56%, 36 Month CD rates are at 3.04%, 60 Month CD rates are at 3.04%. AllSouth Federal Credit Union's savings rates are at 0.20%. AllSouth Federal Credit Union's money market rates are at 1.51%. AllSouth Federal Credit Union's checking rates are as high as 4.59%. AllSouth Federal Credit Union's 15 Year Fixed rates are at 6.25%, 10/1 ARM rates are at 6.25%, 5/5 ARM rates are at 6.00%, 30 Year Fixed rates are at 7.25%. AllSouth Federal Credit Union's Personal Loan Rates are as low as 10.90%. AllSouth Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of AllSouth Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.08%. Rates last updated and verified on 10/29/2026.
AllSouth 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 AllSouth Federal Credit Union? Share your experience about AllSouth Federal Credit Union by leaving a review below, or read customer reviews before you decide to use AllSouth Federal Credit Union.
AllSouth Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
AllSouth Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.08%
ExcellentLower than avg
AllSouth Federal Credit Union Texas Ratio
AllSouth Federal Credit Union's Texas Ratio is 1.08%, which is considered excellent and is lower than the national average of 6.13%.
AllSouth Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.29% to 1.08% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
AllSouth Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Certificate
4.15%
4.23%
12 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
Oct 23, 20264.23%▲ from 3.92%
Sep 14, 20263.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month IRA Certificate
4.15%
4.23%
12 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
Oct 23, 20264.23%▲ from 3.92%
Sep 14, 20263.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month Certificate
4.10%
4.18%
12 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
Oct 23, 20264.18%▲ from 3.87%
Sep 21, 20263.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month Certificate
4.10%
4.18%
12 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
Oct 23, 20264.18%▲ from 3.87%
Sep 21, 20263.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month IRA Certificate
4.10%
4.18%
12 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
Oct 23, 20264.18%▲ from 3.87%
Sep 21, 20263.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month IRA Certificate
4.10%
4.18%
12 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
Oct 23, 20264.18%▲ from 3.87%
Sep 21, 20263.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month Certificate
4.05%
4.13%
12 months
Min Balance$1,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
Oct 23, 20264.13%▲ from 3.82%
Sep 21, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month Certificate
4.05%
4.13%
12 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
Oct 23, 20264.13%▲ from 3.82%
Sep 21, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month Certificate
4.05%
4.13%
12 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
Oct 23, 20264.13%▲ from 3.82%
Sep 21, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month IRA Certificate
4.05%
4.13%
12 months
Min Balance$500
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
Oct 23, 20264.13%▲ from 3.82%
Sep 21, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month IRA Certificate
4.05%
4.13%
12 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
Oct 23, 20264.13%▲ from 3.82%
Sep 21, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month IRA Certificate
4.05%
4.13%
12 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
1 change since Sep 21, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
Oct 23, 20264.13%▲ from 3.82%
Sep 21, 20263.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
18 Month IRA Certificate
3.65%
3.71%
18 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
18 Month IRA Certificate
3.60%
3.66%
18 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.66% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
18 Month IRA Certificate
3.60%
3.66%
18 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.66% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
6 Month Certificate
3.60%
3.66%
6 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
18 Month IRA Certificate
3.55%
3.61%
18 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
18 Month IRA Certificate
3.55%
3.61%
18 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
18 Month IRA Certificate
3.55%
3.61%
18 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
6 Month Certificate
3.55%
3.61%
6 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
6 Month Certificate
3.55%
3.61%
6 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.61% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
24 Month Certificate
3.50%
3.56%
24 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
6 Month Certificate
3.50%
3.56%
6 months
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
6 Month Certificate
3.50%
3.56%
6 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
6 Month Certificate
3.50%
3.56%
6 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
24 Month Certificate
3.45%
3.51%
24 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
24 Month Certificate
3.45%
3.51%
24 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
24 Month Certificate
3.40%
3.45%
24 months
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
24 Month Certificate
3.40%
3.45%
24 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
24 Month Certificate
3.40%
3.45%
24 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
30 Month IRA Certificate
3.25%
3.30%
30 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
30 Month IRA Certificate
3.20%
3.25%
30 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
30 Month IRA Certificate
3.20%
3.25%
30 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
30 Month IRA Certificate
3.15%
3.20%
30 months
Min Balance$500
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
30 Month IRA Certificate
3.15%
3.20%
30 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
30 Month IRA Certificate
3.15%
3.20%
30 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 3.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
36 Month Certificate
3.00%
3.04%
36 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
60 Month Certificate
3.00%
3.04%
60 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
36 Month Certificate
2.95%
2.99%
36 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.99% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
36 Month Certificate
2.95%
2.99%
36 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.99% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
60 Month Certificate
2.95%
2.99%
60 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.99% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
60 Month Certificate
2.95%
2.99%
60 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.99% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
36 Month Certificate
2.90%
2.94%
36 months
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.94% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
36 Month Certificate
2.90%
2.94%
36 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.94% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
36 Month Certificate
2.90%
2.94%
36 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.94% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
60 Month Certificate
2.90%
2.94%
60 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.94% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
60 Month Certificate
2.90%
2.94%
60 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.94% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
60 Month Certificate
2.90%
2.94%
60 months
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 2.94% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month Add-On Certificate
2.00%
2.02%
12 months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
12 Month Add-On IRA Certificate
2.00%
2.02%
12 months
Min Deposit$100
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
3 Month Certificate
1.00%
1.00%
3 months
Min Balance$100,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
3 Month Certificate
0.95%
0.95%
3 months
Min Balance$75,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
3 Month Certificate
0.90%
0.90%
3 months
Min Balance$50,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
3 Month Certificate
0.85%
0.85%
3 months
Min Balance$25,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
3 Month Certificate
0.80%
0.80%
3 months
Min Balance$10,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
3 Month Certificate
0.75%
0.75%
3 months
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
0.20%
0.20%
Min Balance$25
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Membership Savings
0.20%
0.20%
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Savings (Secondary) Account
0.20%
0.20%
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Super Saver
0.20%
0.20%
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Christmas Club
0.10%
0.10%
Min Balance$0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Cookie Jar Club
0.10%
0.10%
Min Balance$0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.20%
0.20%
Min Balance$100
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
1.50%
1.51%
Min Balance$100,000
DetailsBalance tier from $100,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Money Market
1.40%
1.41%
Min Balance$75,000
DetailsBalance tier from $75,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Money Market
1.30%
1.31%
Min Balance$50,000
DetailsBalance tier from $50,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Money Market
1.20%
1.21%
Min Balance$25,000
DetailsBalance tier from $25,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.21% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Money Market
1.10%
1.11%
Min Balance$10,000
DetailsBalance tier from $10,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Money Market
1.00%
1.00%
Min Balance$1,000
DetailsBalance tier from $1,000.00
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Checking Rates
Product
Rate
APY
View More
Premium Checking
4.50%
4.59%
Min Balance$0
DetailsQualifications Required; Balance: $0.00 - $10,000.00; premium rate on balances up to $10,000.00; 0.10% APY on balances over $10,000.00 or if qualifications not met
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.59% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Premium Checking
-
4.59%
Min Deposit$25
Min Balance$0
DetailsQualifications Required; Qualifying balance up to $10,000.00; 0.10% APY on funds exceeding $10,000.00 and applies to entire balance if qualifications not met; in-branch opening requires no minimum deposit; must be 18 or older; one account per tax identification number
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 4.59% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Interest Checking
0.10%
0.10%
Min Balance$1,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Fixed
6.25%
-
6.37%
15 years
DetailsAs Low As; Interest rate as low as 6.250%; rates effective October 26, 2026
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 5.75% → 6.37% ▲ 0.62 pts · high 6.37% / low 5.75%
Oct 15, 20266.37%▲ from 6.00%
Oct 13, 20266.00%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
10/1 ARM
6.25%
-
6.66%
DetailsAs Low As; Interest rate as low as 6.250%; rates effective October 26, 2026
Last Updated10/29/2026
Rate History
4 changes since Sep 14, 2026 · 6.21% → 6.66% ▲ 0.45 pts · high 6.66% / low 6.17%
Oct 15, 20266.66%▲ from 6.50%
Oct 2, 20266.50%▲ from 6.37%
Sep 25, 20266.37%▲ from 6.17%
Sep 21, 20266.17%▼ from 6.21%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
5/5 ARM
6.00%
-
6.97%
DetailsAs Low As; Interest rate as low as 6.000%; rates effective October 26, 2026
Last Updated10/29/2026
Rate History
6 changes since Sep 14, 2026 · 6.62% → 6.97% ▲ 0.35 pts · high 7.11% / low 6.48%
Oct 29, 20266.97%▼ from 7.11%
Oct 15, 20267.11%▲ from 7.01%
Oct 9, 20267.01%▲ from 6.94%
Oct 2, 20266.94%▲ from 6.89%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
30 Year Fixed
7.25%
-
7.68%
30 years
DetailsAs Low As; Interest rate as low as 7.250%; rates effective October 26, 2026
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.19% → 7.68% ▲ 0.49 pts · high 7.68% / low 7.19%
Oct 29, 20267.68%▲ from 7.55%
Oct 15, 20267.55%▼ from 7.68%
Oct 13, 20267.68%▲ from 7.19%
Sep 14, 20267.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
6.00%
-
6.00%
DetailsAs Low As; Interest rate as low as 6.000%; APR is variable (Prime plus margin of -1.00% to 2.50%), APR range 4.00% to 18.00%; minimum loan amount $10,000; rates effective October 26, 2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
Sep 17, 20266.00%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans
-
-
4.74%
DetailsAs Low As; Rates starting as low as 4.74% APR
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 9 times
No change since Sep 14, 2026 · 5.14% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat and RV Loans
-
7.50%
60 months
DetailsAs Low As; Recreational loan
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Boat and RV Loans
-
7.75%
72 months
DetailsAs Low As; Recreational loan
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Boat and RV Loans
-
8.25%
84 months
DetailsAs Low As; Recreational loan
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Motorcycle Loans
-
8.25%
60 months
DetailsAs Low As; Recreational loan; rates effective February 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Motorcycle Loans
-
8.50%
72 months
DetailsAs Low As; Recreational loan; rates effective February 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Boat and RV Loans
-
8.75%
120 months
DetailsAs Low As; Recreational loan
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
10.90%
up to 60 months
DetailsAs Low As; rates effective February 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Personal Loan
10.90%
6 to 60 months
DetailsAs Low As; Fixed rates; Personal Loan rates range from 10.90% - 17.90% APR; loan amounts up to $15,000; fixed payment; no collateral needed
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 10.90% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
AllSouth Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Line of Credit
-
-
10.90%
DetailsAs Low As; Maximum line of credit amount is $15,000; rates effective February 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 21, 2026 · 10.90% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Recreation Loans
-
-
7.50%
DetailsAs Low As; Rates starting at just 7.50% APR
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.08%
Financial Health History
AllSouth Federal Credit Union’s Texas Ratio stayed near 1.29% in Q3 2023 to 1.08% in Q2 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
June 30, 2026
$1.5B
1.08%
5.0
A+
March 31, 2026
$1.5B
0.83%
5.0
A+
December 31, 2025
$1.5B
1.19%
5.0
A+
September 30, 2025
$1.4B
1.31%
5.0
A+
June 30, 2025
$1.4B
1.31%
5.0
A+
March 31, 2025
$1.4B
0.96%
5.0
A+
December 31, 2024
$1.4B
1.43%
5.0
A+
September 30, 2024
$1.3B
0.85%
5.0
A+
June 30, 2024
$1.3B
0.93%
5.0
A+
March 31, 2024
$1.3B
0.85%
5.0
A+
December 31, 2023
$1.3B
1.25%
5.0
A+
September 30, 2023
$1.3B
1.29%
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 AllSouth 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 AllSouth 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 AllSouth Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
74,743,600
Total Uninsured Shares and Deposits > $250K (F+J)
74,743,600
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,148,845,703
Total Interest Expense (Sum of items 6 8)
7,039,417
Share Certificates
7,548
Number of Accounts for Share Drafts
85,708
IRA KEOGH Accounts
2,373
Number of Accounts for Regular Shares
132,050
All other shares
1,772
Money Market Shares
5,099
Net Income (unless the amount is already included in Undivided Earnings)
13,062,197
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)
262,269,127
Total Liabilities
1,236,323,345
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
AllSouth 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for AllSouth Federal Credit Union
Frequently Asked Questions About AllSouth Federal Credit Union
Does AllSouth Federal Credit Union offer CDs?
Yes. AllSouth Federal Credit Union current CD rates include its 12 Month CD at 4.23% APY, its 6 Month CD at 3.66% APY and its 24 Month CD at 3.56% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from AllSouth Federal Credit Union NCUA insured?
Yes. AllSouth Federal 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 AllSouth Federal Credit Union?
The highest AllSouth Federal Credit Union CD rate is its 12 Month CD at 4.23% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does AllSouth Federal Credit Union offer?
AllSouth Federal Credit Union CD rates are 3.66% APY for a 6 month CD, 4.23% APY for a 12 month CD, 3.61% APY for an 18 month CD, 3.56% APY for a 2 year CD, 3.04% APY for a 3 year CD and 3.04% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with AllSouth Federal Credit Union for its full lineup.
What is the highest savings rate at AllSouth Federal Credit Union?
The highest AllSouth Federal Credit Union savings rate is its Business Savings at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at AllSouth Federal Credit Union?
The highest AllSouth Federal Credit Union money market rate is its Money Market at 1.51% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at AllSouth Federal Credit Union?
The highest AllSouth Federal Credit Union checking rate is its Premium Checking at 4.59% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at AllSouth Federal Credit Union?
The lowest AllSouth Federal Credit Union 30 year fixed mortgage rate is its 30 Year Fixed at 7.25%, verified by MonitorBankRates as of October 29, 2026. AllSouth Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.25% for a 15 year mortgage, 6.00% for a 5/5 ARM and 6.25% for a 10/1 ARM.
What is the lowest auto loan rate at AllSouth Federal Credit Union?
The lowest AllSouth Federal Credit Union auto loan rate is its Auto Loans at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at AllSouth Federal Credit Union?
The lowest AllSouth Federal Credit Union personal loan rate is its Personal Loan at 10.90% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does AllSouth Federal Credit Union operate?
AllSouth 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 AllSouth Federal Credit Union?
Yes, to access services at AllSouth 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, AllSouth 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, AllSouth Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does AllSouth Federal Credit Union offer online and mobile banking?
Most modern institutions like AllSouth 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.allsouth.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 AllSouth Federal Credit Union rates compare?
AllSouth Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. AllSouth Federal Credit Union's top rates are its 12 Month CD at 4.23% APY, its Business Savings at 0.20% APY, its Money Market at 1.51% APY, its Premium Checking at 4.59% APY, its 5/5 ARM at 6.00% and its Personal Loan at 10.90% APR, verified by MonitorBankRates on October 29, 2026.
Current AllSouth Federal Credit Union Rates
12-Month CD2.02%
18-Month CD3.61%
24-Month CD3.45%
60-Month CD2.94%
Savings0.20%
MMA1.51%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
