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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.
AOD Federal Credit Union Rates & Review April 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: April 19, 2026
AOD Federal Credit Union's 6 Month Special CD rates are at 3.50%, 12 Month Special CD rates are at 3.25%, 8 Month CD rates are at 1.89%, 60 Month CD rates are at 0.49%, 60 Month Education IRA CD rates are at 0.49%. AOD Federal Credit Union's savings rates are at 0.15%. AOD Federal Credit Union's money market rates are at 0.25%. AOD Federal Credit Union's Personal Loan Rates are at 11.20%. MonitorBankRates evaluates the financial stability of AOD Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.42%. Rates were last updated on 04/19/2026. AOD 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 AOD Federal Credit Union? Share your experience about AOD Federal Credit Union by leaving a review below, or read customer reviews before you decide to use AOD Federal Credit Union. 
AOD Federal Credit Union CD Rates
AOD Federal Credit Union Savings Rates
AOD Federal Credit Union Money Market Rates
AOD Federal Credit Union Checking Rates
AOD Federal Credit Union Auto Loan Rates
AOD Federal Credit Union Credit Card Rates
AOD Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for AOD 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 AOD 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 AOD Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
AOD Federal Credit Union
Website
http://www.aodfcu.com
Address
12 Elm St,
Oxford, AL 36203
Phone
256-237-9494
Fax
256-237-3285
President
Bobby Israel
CEO
Virginia Bowen
Full-Time Employees
86
Part-Time Employees
0
Branch Locations
6
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.42%
Return on Assets (ROA)
1.0661%
Return on Equity (ROE)
6.6690%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
447,352,304
Total Amount of Shares and Deposits
381,343,199
Total Shares and Deposits < 1 Year
373,850,125
Total Shares and Deposits 1 3 Years
5,156,106
Total Shares and Deposits > 3 Years
2,336,969
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,206,688
Total Uninsured Shares and Deposits > $250K (F+J)
18,206,688
Total Insured Shares and Deposits > $250K (item 17 less item K)
363,136,511
Total Interest Expense (Sum of items 6 8)
2,301,501
Share Certificates
1,906
Number of Accounts for Share Drafts
19,704
IRA KEOGH Accounts
895
Number of Accounts for Regular Shares
39,819
All other shares
1,341
Money Market Shares
1,514
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,261,567
Total Liabilities
383,791,390
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About AOD Federal Credit UnionIs AOD Federal Credit Union a safe place to deposit money?Yes, AOD Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4215805251001%, 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 AOD Federal Credit Union operate?AOD 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 AOD Federal Credit Union?Yes, to access services at AOD 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, AOD 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, AOD Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does AOD Federal Credit Union offer online and mobile banking?Most modern institutions like AOD 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: http://www.aodfcu.com. Current AOD Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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