What are the current interest rates at Coosa Pines Federal Credit Union?

Current rates for Coosa Pines Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 3.00%, 60-Month CD: 2.75%, MMA: 1.25%

MonitorBankRates

☰

Home›
Credit Unions›
Coosa Pines Federal Credit Union

iAdvertiser Disclosure

Coosa Pines Federal Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coosa Pines 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: June 23, 2026

Coosa Pines Federal Credit Union's 8 MONTH SPECIAL rates are at 4.00%, 12 month rates are at 3.75%, 6 month rates are at 3.50%, 24 month rates are at 3.00%, 36 month rates are at 2.75%. Coosa Pines Federal Credit Union's money market rates are at 1.25%. Coosa Pines Federal Credit Union's 1st Mortgage Only rates are at 4.60%, 1st Mortgage Only rates are at 4.75%, 15-Year Fixed Rate Mortgage rates are at 5.40%, 1st Mortgage Only rates are at 4.90%, 15-Year Fixed Rate Mortgage rates are at 5.60%. Coosa Pines Federal Credit Union's Personal Loan Rates are at 7.50%. MonitorBankRates evaluates the financial stability of Coosa Pines Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.45%. Rates were last updated on 06/23/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.45%

Excellent Lower than avg

Coosa Pines Federal Credit Union
Coosa Pines Federal Credit Union

33710 US Highway 280
Childersburg, AL 35044 3016

https://www.coosapinesfcu.org

Coosa Pines Federal Credit Union CD Rates

Product	Rate	APY	Term
8 MONTH SPECIAL	-	4.00%	8 MONTH SPECIAL
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
12 month	-	3.75%	12 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
6 month	-	3.50%	6 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
24 month	-	3.00%	24 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
36 month	-	2.75%	36 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
48 month	-	2.75%	48 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
60 month	-	2.75%	60 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. The Bump-Up option is available on new certificates with 24 months or greater terms. Contact a Member Service Representative for details and restrictions. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Early withdrawal penalties may apply on share and IRA certificates. Fees or penalties assessed to the accounts may reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Account	-	2.00%
Min Deposit $2,500 Min Balance $199,999 Details Dividends are declared on the first of each month, calculated based on the average daily balance, and paid monthly. The account will remain open with as little as $5.00 on deposit. Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Money Market Share Account	-	1.75%
Min Deposit $2,500 Min Balance $99,999 Details Dividends are declared on the first of each month, calculated based on the average daily balance, and paid monthly. The account will remain open with as little as $5.00 on deposit. Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Money Market Share Account	-	1.50%
Min Deposit $2,500 Min Balance $24,999 Details Dividends are declared on the first of each month, calculated based on the average daily balance, and paid monthly. The account will remain open with as little as $5.00 on deposit. Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Money Market Share Account	-	1.25%
Min Deposit $2,500 Min Balance $0 Details Dividends are declared on the first of each month, calculated based on the average daily balance, and paid monthly. The account will remain open with as little as $5.00 on deposit. Withdrawals/transfers in excess of three (3) per month incur a $10.00 fee per transaction. Fees assessed to the account can reduce earnings. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st Mortgage Only	4.60%	-	5.52%	30 years
Details LTV: <=80%; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
15-Year Fixed Mortgage	-	-	5.60%	15-Year Fixed
Details As Low As Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	4.75%	-	5.61%	30 years
Details LTV: 90%; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
15-Year Fixed Rate Mortgage	5.40%	-	5.67%	15-Year Fixed
Details Primary Dwelling or Second Home; <=80% LTV; A+ Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	4.90%	-	5.70%	30 years
Details LTV: 90%; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
15-Year Fixed Rate Mortgage	5.60%	-	5.87%	15-Year Fixed
Details Primary Dwelling or Second Home; <=90% LTV; A+ Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	5.50%	-	6.06%	30 years
Details LTV: 80%; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
15-Year Fixed Rate Mortgage	5.80%	-	6.07%	15-Year Fixed
Details Primary Dwelling or Second Home; <=90% LTV; A Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage Only	6.00%	-	6.36%	30 years
Details LTV: 70%; Primary Dwelling Only; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
15-Year Fixed Rate Mortgage	6.30%	-	6.58%	15-Year Fixed
Details Primary Dwelling or Second Home; <=80% LTV; B Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage	-	-	6.90%	7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Creditworthiness based on rating: A+ Rated Credit Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage	-	-	6.95%	7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Creditworthiness based on rating: A Rated Credit Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage	-	-	7.00%	7 years
Details Primary Dwelling Only; Fixed Rate; Minimum Amount: $10,000; Maximum Amount: $50,000; No Origination Fee or Closing Costs; Current Year's Tax Assessment May Be Used in Place of Appraisal; Creditworthiness based on rating: B Rated Credit Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
15-Year Fixed Rate Mortgage	6.95%	-	7.23%	15-Year Fixed
Details Primary Dwelling or Second Home; <=75% LTV; C Rated Credit; 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply; Survey if Applicable; Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
1st Mortgage	-	1%	18.00%	5/15 ARM
Details Primary Dwelling or Second Home; Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date; 2% Max Annual Adjustment; 6% Lifetime CAP; 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply; Survey if Applicable; ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SUBJECT TO CHANGE WITHOUT NOTICE. Restrictions apply. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.60%
Details As Low As Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	4.60%	to 51
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	4.70%	to 63
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	4.80%	to 63
Details As Low As; 2023-2018 Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	5.20%	to 75*
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	5.60%	to 75*
Details As Low As; 2023-2018 Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	6.20%	to 84*
Details As Low As; 2026, 2025, 2024 (Mileage less than 30k) Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	6.40%	to 84*
Details As Low As; 2023-2018 Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	7.10%	to 63
Details As Low As; Models 2017-2007 Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New & Used Auto Loans	-	-	7.40%	to 48
Details As Low As; Models 2006 & Older and Antique Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum	-	9.95%
Details As Low As Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

Coosa Pines Federal Credit Union Personal Loan Rates

Product	Rate	APR
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes (2026, 2025 or Newer) Loan	-	7.50%
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes (2026, 2025 or Newer) Loan	-	7.90%
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
New Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes (2026, 2025 or Newer) Loan	-	8.50%
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Used Motorcycles, Personal Watercraft, ATVs, or Dirt Bikes (2024- 2014) Loan	-	8.50%
Details As Low As; The APR you receive will be based on your creditworthiness, type and year model of vehicle. Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions or for older models. Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%
Personal Loan	-	10.50%
Details As Low As Last Updated 06/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.45%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Coosa Pines 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 Coosa Pines 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 Coosa Pines Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coosa Pines Federal Credit Union

Website https://www.coosapinesfcu.org

Address 33710 US Highway 280, Childersburg, AL 35044 3016

Phone 256-378-5559

Fax 256-378-3881

President Claude Welch

CEO Don Carden

Full-Time Employees 59

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.45%

Return on Assets (ROA)

1.6110%

Return on Equity (ROE)

9.9292%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

393,094,498

Total Amount of Shares and Deposits

332,417,599

Total Shares and Deposits < 1 Year

324,954,719

Total Shares and Deposits 1 3 Years

7,148,235

Total Shares and Deposits > 3 Years

314,646

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

20,925,863

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

20,925,863

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

311,491,736

Total Interest Expense (Sum of items 6 8)

3,582,131

Share Certificates

2,270

Number of Accounts for Share Drafts

17,407

IRA KEOGH Accounts

1,105

Number of Accounts for Regular Shares

27,826

Money Market Shares

609

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

32,436,438

Total Liabilities

334,272,451

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Coosa Pines Federal Credit Union earned the Verified Strong 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/coosa-pines-federal-credit-union-rates-review-6774">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-b-2026.svg"
       alt="MonitorBankRates Verified Strong Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Coosa Pines Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Coosa Pines Federal Credit Union

Frequently Asked Questions About Coosa Pines Federal Credit Union

How many branches does Coosa Pines Federal Credit Union operate?

Coosa Pines 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 Coosa Pines Federal Credit Union?

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

Does Coosa Pines Federal Credit Union offer online and mobile banking?

Most modern institutions like Coosa Pines 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.coosapinesfcu.org.