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North Alabama Educators Credit Union

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North Alabama Educators Credit Union Rates & Review November 2026

Q: What are the current interest rates at North Alabama Educators Credit Union?

Current rates for North Alabama Educators Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 2.85%, 24-Month CD: 2.90%, 60-Month CD: 3.39%

Q: What CD terms does North Alabama Educators Credit Union offer?

North Alabama Educators Credit Union CD rates are 3.65% APY for a 6 month CD, 4.01% APY for an 11 month CD, 3.03% APY for a 12 month CD, 4.06% APY for a 13 month CD, 2.85% APY for an 18 month CD, 2.90% APY for a 2 year CD, 3.19% APY for a 3 year CD and 3.39% 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 North Alabama Educators Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

North Alabama Educators Credit Union's CD 13 MONTH rates are at 4.06%, CD 11 MONTH rates are at 4.01%, CD 6 MONTH rates are at 3.65%, CD 36 MONTH rates are at 3.19%, CD 12 MONTH rates are at 3.03%. North Alabama Educators Credit Union's Fixed Rate First Mortgage rates are at 6.35%. North Alabama Educators Credit Union's Personal Loan Rates are as low as 8.99%. North Alabama Educators Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of North Alabama Educators Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.45%. Rates last updated and verified on 10/29/2026.

North Alabama Educators 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 North Alabama Educators Credit Union? Share your experience about North Alabama Educators Credit Union by leaving a review below, or read customer reviews before you decide to use North Alabama Educators Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.45%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

North Alabama Educators Credit Union
Main Office

2309 Whitesburg Dr SE
Huntsville, AL 35801-3819

https://www.naecu.org

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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.

North Alabama Educators Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate 13 MONTH	4.00%	4.06%	13 MONTH
Min Balance $2,000 Details Special 13-Month CD; Compounding; Max $50,000 per primary member per calendar month; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 11 MONTH	3.95%	4.01%	11 MONTH
Min Balance $5,000 Details Special 11-Month CD; Compounding; Max $50,000 per member per calendar month; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 13 MONTH	4.00%	4.00%	13 MONTH
Min Balance $2,000 Details Special 13-Month CD; Non-Compounding; Max $50,000 per primary member per calendar month; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 11 MONTH	3.95%	3.95%	11 MONTH
Min Balance $5,000 Details Special 11-Month CD; Non-Compounding; Max $50,000 per member per calendar month; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
24-Month IRA CD	3.60%	3.65%	24 months
Min Balance $500 Details Prospective dividend rate & APY: December 31, 2026 (24-Month Special); Dividend payments are mandatory, but dividends cannot remain in the account; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24% Oct 9, 20263.65%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 6 MONTH	3.60%	3.65%	6 MONTH
Min Balance $2,000 Details Special 6-Month CD; Compounding; Max $50,000 per primary member per calendar month; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 6 MONTH	3.60%	3.60%	6 MONTH
Min Balance $2,000 Details Special 6-Month CD; Non-Compounding; Max $50,000 per primary member per calendar month; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
60-Month IRA CD	3.35%	3.39%	60 months
Min Balance $500 Details Prospective dividend rate & APY: December 31, 2026; Dividend payments are mandatory, but dividends cannot remain in the account; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.39% ▲ 0.36 pts · high 3.39% / low 3.03% Oct 9, 20263.39%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
48-Month IRA CD	3.25%	3.29%	48 months
Min Balance $500 Details Prospective dividend rate & APY: December 31, 2026; Dividend payments are mandatory, but dividends cannot remain in the account; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.93% → 3.29% ▲ 0.36 pts · high 3.29% / low 2.93% Oct 9, 20263.29%▲ from 2.93% Sep 14, 20262.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
36-Month IRA CD	3.15%	3.19%	36 months
Min Balance $500 Details Prospective dividend rate & APY: December 31, 2026; Dividend payments are mandatory, but dividends cannot remain in the account; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.88% → 3.19% ▲ 0.31 pts · high 3.19% / low 2.88% Oct 9, 20263.19%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 36 MONTH	3.15%	3.19%	36 MONTH
Min Balance $1,000 Details Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 36 MONTH	3.15%	3.15%	36 MONTH
Min Balance $1,000 Details Non-Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
18-Month IRA CD	3.00%	3.03%	18 months
Min Balance $500 Details Prospective dividend rate & APY: December 31, 2026; Dividend payments are mandatory, but dividends cannot remain in the account; A penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 3.03% ▲ 0.25 pts · high 3.03% / low 2.78% Oct 9, 20263.03%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 12 MONTH	3.00%	3.03%	12 MONTH
Min Balance $1,000 Details Compounding; 1 time penalty-free withdrawal; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 27 MONTH	3.00%	3.03%	27 MONTH
Min Balance $1,000 Details Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 12 MONTH	3.00%	3.00%	12 MONTH
Min Balance $1,000 Details Non-Compounding; 1 time penalty-free withdrawal; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 27 MONTH	3.00%	3.00%	27 MONTH
Min Balance $1,000 Details Non-Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 24 MONTH	2.90%	2.93%	24 MONTH
Min Balance $1,000 Details Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.93% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 24 MONTH	2.90%	2.90%	24 MONTH
Min Balance $1,000 Details Non-Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 18 MONTH	2.85%	2.88%	18 MONTH
Min Balance $1,000 Details Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.88% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 18 MONTH	2.85%	2.85%	18 MONTH
Min Balance $1,000 Details Non-Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 9 MONTH	2.65%	2.68%	9 MONTH
Min Balance $1,000 Details Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Certificate 9 MONTH	2.65%	2.65%	9 MONTH
Min Balance $1,000 Details Non-Compounding; Dividend payments mandatory, dividends cannot remain in account; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

North Alabama Educators Credit Union Savings Rates

Product	Rate	APY
Super Shares Account	1.85%	1.86%
Min Balance $50,000 Details Prospective dividend rate & APY: December 31, 2026; Balance: $50,000 and above Average Daily Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 1.86% ▲ 0.10 pts · high 1.86% / low 1.76% Oct 9, 20261.86%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Super Shares Account	1.75%	1.76%
Min Balance $50,000 Details Last declared dividend: September 30, 2026; Balance: $50,000 and above Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Super Shares Account	1.60%	1.61%
Min Balance $25,000 Details Prospective dividend rate & APY: December 31, 2026; Balance: $25,000 to $49,999.99 Average Daily Balance Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Super Shares Account	1.50%	1.51%
Min Balance $25,000 Details Last declared dividend: September 30, 2026; Balance: $25,000 to $49,999.99 Average Daily Balance Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Super Shares Account	1.50%	1.51%
Min Balance $10,000 Details Prospective dividend rate & APY: December 31, 2026; Balance: $10,000 to $24,999.99 Average Daily Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.41% → 1.51% ▲ 0.10 pts · high 1.51% / low 1.41% Oct 9, 20261.51%▲ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Super Shares Account	1.40%	1.41%
Min Balance $10,000 Details Last declared dividend: September 30, 2026; Balance: $10,000 to $24,999.99 Average Daily Balance Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 1.41% → 1.41% ▼ 0.00 pts · high 1.51% / low 1.41% Oct 26, 20261.41%▼ from 1.51% Oct 9, 20261.51%▲ from 1.41% Sep 14, 20261.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Super Shares Account	1.35%	1.35%
Min Balance $2,000 Details Prospective dividend rate & APY: December 31, 2026; Balance: $2,000 to $9,999.99 Average Daily Balance Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 1.26% → 1.35% ▲ 0.09 pts · high 1.35% / low 1.26% Oct 9, 20261.35%▲ from 1.26% Sep 29, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Super Shares Account	1.25%	1.26%
Min Balance $2,000 Details Last declared dividend: September 30, 2026; Balance: $2,000 to $9,999.99 Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Christmas Club Account	0.65%	0.65%
Details Prospective dividend rate & APY: October 31, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
IRA Share Account	0.65%	0.65%
Min Balance $25 Details Prospective dividend rate & APY: December 31, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.65% ▲ 0.15 pts · high 0.65% / low 0.50% Oct 9, 20260.65%▲ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Club Accounts	0.35%	0.35%
Details Prospective dividend rate & APY: December 31, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 9, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Accounts	0.35%	0.35%
Min Balance $100 Details Prospective dividend rate & APY: December 31, 2026; Balance: $100 minimum Average Daily Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 9, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Club Accounts	0.25%	0.25%
Details Last declared dividend: September 30, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Share Accounts	0.25%	0.25%
Min Balance $100 Details Last declared dividend: September 30, 2026; Balance: $100 minimum Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

North Alabama Educators Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate First Mortgage	-	-	6.35%	15 years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.35% → 6.35% ▲ 1.00 pts · high 6.35% / low 5.35% Oct 2, 20266.35%▲ from 5.35% Sep 18, 20265.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Fixed Rate First Mortgage	-	-	6.75%	20 years
No additional details. Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 5.75% → 6.75% ▲ 1.00 pts · high 6.75% / low 5.75% Oct 2, 20266.75%▲ from 5.75% Sep 18, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

North Alabama Educators Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicle 2022 or newer Loan	-	-	4.65%	Up to 36 Months
Details As Low As; Fixed Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 4.65% ▲ 0.15 pts · high 4.65% / low 4.50% Oct 9, 20264.65%▲ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
New Vehicle - Finance or more for 72 months Loan	-	-	4.99%	Up to 72 Months
Details $20,000; As Low As; Fixed Rate; Finance $20,000 or more Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
New Vehicle Loan	-	-	4.99%	Up to 66 Months
Details As Low As; Fixed Rate Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.75% → 4.99% ▲ 0.24 pts · high 4.99% / low 4.75% Oct 9, 20264.99%▲ from 4.75% Sep 21, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Used Vehicle 2014 or newer - Finance amounts of or more for 72 months Loan	-	-	4.99%	Up to 72 Months
Details $20,000; As Low As; Fixed Rate; Finance amounts of $20,000 or more Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Used Vehicle 2014 or newer Loan	-	-	4.99%	Up to 66 Months
Details As Low As; Fixed Rate Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.75% → 4.99% ▲ 0.24 pts · high 4.99% / low 4.75% Oct 9, 20264.99%▲ from 4.75% Sep 21, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Used Vehicles with over 150,000 Miles - 2014 or Newer Loan	-	-	4.99%	up to 60 Months
Details As Low As; Fixed Rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 4.99% ▲ 0.24 pts · high 4.99% / low 4.75% Oct 9, 20264.99%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
New Vehicle - Finance or more for 84 months Loan	-	-	5.99%	Up to 84 Months
Details $28,000; As Low As; Fixed Rate; Finance $28,000 or more Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Used Vehicle 2014 or newer - Finance amounts of or more for 84 months Loan	-	-	5.99%	Up to 84 Months
Details $28,000; As Low As; Fixed Rate; Finance amounts of $28,000 or more Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

North Alabama Educators Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Other Collateral Loans - New or Used Recreational Vehicles: 2014 or Newer	-	5.60%	Up to 60 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Other Collateral Loans - New or Used Boat, Motor, Trailer: 2015 or Newer	-	6.10%	Up to 72 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Other Collateral Loans - New or Used Motorcycles: 2015 or Newer Financed	-	6.10%	Up to 48 months
Details Under $10,000; As Low As; Under $10,000 Financed Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Other Collateral Loans - New or Used ATV's (3 or 4 Wheelers): 2020 or newer	-	6.35%	48 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Other Collateral Loans - New or Used ATV's (3 or 4 Wheelers): 2020 or newer	-	6.35%	60 Months
Details As Low As; $10,000 or more Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Other Collateral Loans - New or Used Recreational Vehicles: 2014 or Newer	-	6.35%	Up to 96 Month
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Other Collateral Loans - New or Used Recreational Vehicles: 2014 or Newer	-	7.35%	Up to 120 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

North Alabama Educators Credit Union Personal Loan Rates

Product	APR	Term
Consolidation Loan	8.99%	Up to 60 Months
Details As Low As; Checks to creditors, no internal refinances, no cash out. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Personal Loan	10.00%	Up to 60 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
EZ Open-End Personal Loan	15.00%
Details As Low As; 3% of unpaid balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

North Alabama Educators Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Any Season, Any Reason Loan	-	-	6.99%	up to 12 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Any Season, Any Reason Loan	-	-	7.99%	up to 24 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Family Flex Loan	-	-	17.00%	18 months
Details Term: 18 months or 60-day note; As Low As; up to $1,000, $25 fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Fixed Rate Easy Equity	-	-	6.85%	120 month
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.60% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.60% Oct 9, 20266.85%▲ from 6.60% Sep 18, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Fixed Rate Easy Equity	-	-	7.35%	180 month
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.10% → 7.35% ▲ 0.25 pts · high 7.35% / low 7.10% Oct 9, 20267.35%▲ from 7.10% Sep 18, 20267.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Fixed Rate Land Loans	-	-	7.35%	15 years
Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Fixed Rate Land Loans	-	-	7.60%	20 years
Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.60% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Fresh Start Loan	-	-	18.00%
Details As Low As; For Members with no Credit History or Poor Credit History; $500 Maximum/$200 Minimum Loan Amount; $30 non-refundable application fee; requires direct deposit/payroll deduction of $50 or more to NAECU; NAECU member for at least 90 days Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Home Improvement Loan	-	-	7.00%	up to 60 Months
Details As Low As; For Home Owners Only - We do not record a Mortgage Lien Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Other Collateral Loans - Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)	-	-	7.60%	Up to 60 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Round Up Accounts (Debit Card Transactions)	2.25%	-	2.25%
Min Balance $0 Details Last declared dividend: September 30, 2026; Balance: $0.01-$2,500.00 Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Round Up Accounts (Debit Card Transactions)	0.25%	-	0.25%
Min Balance $2,500 Details Last declared dividend: September 30, 2026; Balance: $2,500.01 and above Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Round Up Accounts (Debit Card Transactions)	2.25%	-	2.27%
Min Balance $0 Details Prospective dividend rate & APY: December 31, 2026; Balance: $0.01-$2,500.00 Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Round Up Accounts (Debit Card Transactions)	0.35%	-	0.35%
Min Balance $2,500 Details Prospective dividend rate & APY: December 31, 2026; Balance: $2,500.01 and above Average Daily Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 9, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

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.
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Financial Health History

North Alabama Educators Credit Union’s Texas Ratio rose from 1.69% in Q3 2023 to 3.45% 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	$143M	3.45%	5.0	A+
March 31, 2026	$143M	2.87%	5.0	A+
December 31, 2025	$139M	2.29%	5.0	A+
September 30, 2025	$138M	2.68%	5.0	A+
June 30, 2025	$136M	1.54%	5.0	A+
March 31, 2025	$137M	1.47%	5.0	A+
December 31, 2024	$133M	3.08%	5.0	A+
September 30, 2024	$133M	4.23%	5.0	A+
June 30, 2024	$134M	2.09%	5.0	A+
March 31, 2024	$133M	1.94%	5.0	A+
December 31, 2023	$130M	2.48%	5.0	A+
September 30, 2023	$127M	1.69%	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 North Alabama Educators 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 North Alabama Educators 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 North Alabama Educators Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name North Alabama Educators Credit Union

Website https://www.naecu.org

Address 2309 Whitesburg Dr SE, Huntsville, AL 35801-3819

Phone 256-534-2423

Fax 256-532-0709

President Robert Lipscomb

CEO Greg Olmsted

Full-Time Employees 30

Part-Time Employees 4

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.45%

Return on Assets (ROA)

0.3324%

Return on Equity (ROE)

4.2030%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

142,916,044

Total Amount of Shares and Deposits

132,190,237

Total Shares and Deposits < 1 Year

129,726,015

Total Shares and Deposits 1 3 Years

2,176,887

Total Shares and Deposits > 3 Years

287,335

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

2,494,828

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

2,494,828

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

129,695,409

Total Interest Expense (Sum of items 6 8)

657,142

Share Certificates

848

Number of Accounts for Share Drafts

6,203

IRA KEOGH Accounts

331

Number of Accounts for Regular Shares

11,147

All other shares

1,524

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)

15,446,695

Total Liabilities

133,391,730

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

North Alabama Educators Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About North Alabama Educators Credit Union

Does North Alabama Educators Credit Union offer CDs?

Yes. North Alabama Educators Credit Union current CD rates include its CD 13 MONTH at 4.06% APY, its CD 11 MONTH at 4.01% APY and its CD 6 MONTH at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from North Alabama Educators Credit Union NCUA insured?

Yes. North Alabama Educators 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 North Alabama Educators Credit Union?

The highest North Alabama Educators Credit Union CD rate is its CD 13 MONTH at 4.06% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does North Alabama Educators Credit Union offer?

North Alabama Educators Credit Union CD rates are 3.65% APY for a 6 month CD, 4.01% APY for an 11 month CD, 3.03% APY for a 12 month CD, 4.06% APY for a 13 month CD, 2.85% APY for an 18 month CD, 2.90% APY for a 2 year CD, 3.19% APY for a 3 year CD and 3.39% 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 North Alabama Educators Credit Union for its full lineup.

What is the lowest mortgage rate at North Alabama Educators Credit Union?

The lowest North Alabama Educators Credit Union mortgage rate is its Fixed Rate First Mortgage at 6.35% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at North Alabama Educators Credit Union?

The lowest North Alabama Educators Credit Union auto loan rate is its New or Used Vehicle 2022 or newer Loan at 4.65% APR, verified by MonitorBankRates as of October 29, 2026. North Alabama Educators Credit Union auto loan rates are 4.99% APR for a 72 month auto loan and 5.99% APR for an 84 month auto loan.

What is the lowest personal loan rate at North Alabama Educators Credit Union?

The lowest North Alabama Educators Credit Union personal loan rate is its Personal Loan at 10.00% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does North Alabama Educators Credit Union operate?

North Alabama Educators 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 North Alabama Educators Credit Union?

Yes, to access services at North Alabama Educators 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, North Alabama Educators 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, North Alabama Educators Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does North Alabama Educators Credit Union offer online and mobile banking?

Most modern institutions like North Alabama Educators 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.naecu.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 North Alabama Educators Credit Union rates compare?

North Alabama Educators Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. North Alabama Educators Credit Union's top rates are its CD 13 MONTH at 4.06% APY, its Fixed Rate First Mortgage at 6.35% and its Consolidation Loan at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current North Alabama Educators Credit Union Rates

12-Month CD3.00%
18-Month CD2.85%
24-Month CD2.90%
60-Month CD3.39%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

North Alabama Educators Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

North Alabama Educators Credit Union Texas Ratio

North Alabama Educators Credit Union Health Trend

North Alabama Educators Credit Union CD Rates

North Alabama Educators Credit Union Savings Rates

North Alabama Educators Credit Union Mortgage Rates

North Alabama Educators Credit Union Auto Loan Rates

North Alabama Educators Credit Union RV, Boat and Powersport Loan Rates

North Alabama Educators Credit Union Personal Loan Rates

North Alabama Educators Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

North Alabama Educators Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About North Alabama Educators Credit Union

Does North Alabama Educators Credit Union offer CDs?

Are CDs from North Alabama Educators Credit Union NCUA insured?

What is the highest CD rate at North Alabama Educators Credit Union?

What CD terms does North Alabama Educators Credit Union offer?

What is the lowest mortgage rate at North Alabama Educators Credit Union?

What is the lowest auto loan rate at North Alabama Educators Credit Union?

What is the lowest personal loan rate at North Alabama Educators Credit Union?

How many branches does North Alabama Educators Credit Union operate?

Is a member application needed to join North Alabama Educators Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does North Alabama Educators Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do North Alabama Educators Credit Union rates compare?

Current North Alabama Educators Credit Union Rates

Compare to Other Credit Unions