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 North Alabama Educators 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.
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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 18, 2026
North Alabama Educators Credit Union's 15-month CD rates are at 4.00%, 11 Month CD rates are at 3.60%, 11 Month CD rates are at 3.55%, 13 Month CD rates are at 3.49%, 13 Month CD rates are at 3.45%. 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 2.73%. Rates were last updated on 04/18/2026. 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. North Alabama Educators Credit Union
Main Office 2309 Whitesburg Dr SE
https://www.naecu.org Huntsville, AL 35801 3819 
North Alabama Educators Credit Union CD Rates
North Alabama Educators Credit Union Savings Rates
Methodology & Data SourcesMonitorBankRates 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
Waymon Burke
CEO
Greg Olmsted
Full-Time Employees
30
Part-Time Employees
5
Branch Locations
4
ATM Locations
3
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
2.73%
Return on Assets (ROA)
0.2896%
Return on Equity (ROE)
3.7478%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
137,611,814
Total Amount of Shares and Deposits
127,709,658
Total Shares and Deposits < 1 Year
125,276,257
Total Shares and Deposits 1 3 Years
2,250,000
Total Shares and Deposits > 3 Years
183,401
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,713,195
Total Uninsured Shares and Deposits > $250K (F+J)
2,713,195
Total Insured Shares and Deposits > $250K (item 17 less item K)
124,996,463
Total Interest Expense (Sum of items 6 8)
966,961
Share Certificates
834
Number of Accounts for Share Drafts
6,228
IRA KEOGH Accounts
344
Number of Accounts for Regular Shares
11,122
All other shares
1,505
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,244,586
Total Liabilities
128,990,299
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About North Alabama Educators Credit UnionIs North Alabama Educators Credit Union a safe place to deposit money?Yes, North Alabama Educators Credit Union is considered a safe financial institution. With a Texas Ratio of 2.7323013842913%, 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 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. Current North Alabama Educators Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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