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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.
EAST ALABAMA COMMUNITY 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
EAST ALABAMA COMMUNITY's 36 Month Regular CD rates are at 1.66%, 24 Month Regular CD rates are at 1.61%, 12 Month Regular CD rates are at 1.51%, 6 Month Regular CD rates are at 0.85%. EAST ALABAMA COMMUNITY's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of EAST ALABAMA COMMUNITY with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/25/2026. EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY? Share your experience about EAST ALABAMA COMMUNITY by leaving a review below, or read customer reviews before you decide to use EAST ALABAMA COMMUNITY. 
EAST ALABAMA COMMUNITY CD Rates
EAST ALABAMA COMMUNITY Savings Rates
EAST ALABAMA COMMUNITY Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
EAST ALABAMA COMMUNITY
Website
http://www.eamcfcu.com
Address
2420 PEPPERELL PKWY,
OPELIKA, AL 36801 6257
Phone
334-364-2850
Fax
334-364-2855
President
JEANNIE EDDINS
CEO
Kristin Sturges
Full-Time Employees
6
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.2774%
Return on Equity (ROE)
1.9711%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
20,750,655
Total Amount of Shares and Deposits
17,756,644
Total Shares and Deposits < 1 Year
17,731,584
Total Shares and Deposits 1 3 Years
25,060
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
414,097
Total Uninsured Shares and Deposits > $250K (F+J)
414,097
Total Insured Shares and Deposits > $250K (item 17 less item K)
17,342,547
Total Interest Expense (Sum of items 6 8)
58,162
Share Certificates
39
Number of Accounts for Share Drafts
1,752
Number of Accounts for Regular Shares
3,768
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,809,357
Total Liabilities
17,846,223
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About EAST ALABAMA COMMUNITYIs EAST ALABAMA COMMUNITY a safe place to deposit money?Yes, EAST ALABAMA COMMUNITY is considered a safe financial institution. 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 EAST ALABAMA COMMUNITY operate?EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY?Yes, to access services at EAST ALABAMA COMMUNITY, 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, EAST ALABAMA COMMUNITY 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, EAST ALABAMA COMMUNITY provides members with tools to manage their accounts and build a solid financial history. Does EAST ALABAMA COMMUNITY offer online and mobile banking?Most modern institutions like EAST ALABAMA COMMUNITY 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.eamcfcu.com. Current EAST ALABAMA COMMUNITY Rates
Retrieved from our database of financial products. Rates subject to change.
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