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Advertiser Disclosure
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FEDMONT Rates & Review October 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 and Verified: October 10, 2026
FEDMONT's top rates as of October 10, 2026 are 2.01% APY on its 12-Month CD, 0.11% APY on checking, and personal loans from 8.00% APR, according to rates verified by MonitorBankRates. Other FEDMONT CD rates include 6-Month CD at 1.76%, and 18-Month CD at 0.75%. MonitorBankRates evaluates the financial stability of FEDMONT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.17%. Rates last updated and verified on 10/10/2026. FEDMONT 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 FEDMONT? Share your experience about FEDMONT by leaving a review below, or read customer reviews before you decide to use FEDMONT. 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. FEDMONT CD Rates
FEDMONT Savings Rates
FEDMONT Checking Rates
FEDMONT Auto Loan Rates
FEDMONT RV, Boat and Powersport Loan Rates
FEDMONT Personal Loan Rates
FEDMONT Other Rates
Financial Health HistoryFEDMONT’s Texas Ratio rose from 0.22% in Q3 2023 to 1.17% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for FEDMONT 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 FEDMONT 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 FEDMONT's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
FEDMONT
Website
http://www.fedmontfcu.com
Address
330 Eastdale Cir,
Montgomery, AL 36117
Phone
334-270-5532
Fax
334-270-5534
President
Quinton Harris
CEO
Stacy Robbins
Full-Time Employees
5
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
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
1.17%
Return on Assets (ROA)
0.0309%
Return on Equity (ROE)
0.2310%
Non-Performing Loans Ratio (NPL)
0.52%
Total Assets
13,037,987
Total Amount of Shares and Deposits
11,241,201
Total Shares and Deposits < 1 Year
9,659,826
Total Shares and Deposits 1 3 Years
1,431,738
Total Shares and Deposits > 3 Years
149,636
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,241,201
Total Interest Expense (Sum of items 6 8)
22,805
Share Certificates
78
Number of Accounts for Share Drafts
673
IRA KEOGH Accounts
21
Number of Accounts for Regular Shares
1,207
All other shares
75
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)
1,116,970
Total Liabilities
11,300,427
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for FEDMONT 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.
Add Your Rating and Review for FEDMONT
Frequently Asked Questions About FEDMONTHow many branches does FEDMONT operate?FEDMONT 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 FEDMONT?Yes, to access services at FEDMONT, 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, FEDMONT 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, FEDMONT provides members with tools to manage their accounts and build a solid financial history. Does FEDMONT offer online and mobile banking?Most modern institutions like FEDMONT 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.fedmontfcu.com. Current FEDMONT Rates
Retrieved from our database of financial products. Rates subject to change.
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