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Opp-Micolas Credit Union

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Opp-Micolas Credit Union Rates & Review March 2026

Q: How many branches does Opp-Micolas Credit Union operate?

Opp-Micolas 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.

Q: Is a member application needed to join Opp-Micolas Credit Union?

Yes, to access services at Opp-Micolas 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Opp-Micolas 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: March 29, 2026

You can compare Opp-Micolas Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.50%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 2.75%. Savings rates are at 0.30% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Opp-Micolas Credit Union rates. MonitorBankRates evaluates the financial stability of Opp-Micolas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.83%. Rates were last updated on 03/29/2026.

Opp-Micolas 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 Opp-Micolas Credit Union? Share your experience about Opp-Micolas Credit Union by leaving a review below, or read customer reviews before you decide to use Opp-Micolas Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.83%

Excellent Lower than avg

Opp-Micolas Credit Union
OPP MICOLAS

901 DOUGLAS AVE
OPP, AL 36467 2765

Current Rate Availability

We do not have Opp-Micolas Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Opp-Micolas 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 Opp-Micolas 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 Opp-Micolas Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Opp-Micolas Credit Union

Website

Address 901 DOUGLAS AVE, OPP, AL 36467 2765

Phone 334-493-6434

Fax 334-493-2357

President DANNY FAULK

CEO KYLER FRAZIER

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

3.83%

Return on Assets (ROA)

-0.4825%

Return on Equity (ROE)

-1.9182%

Non-Performing Loans Ratio (NPL)

4.38%

Total Assets

10,581,186

Total Amount of Shares and Deposits

7,896,839

Total Shares and Deposits < 1 Year

7,896,839

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

62,447

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

62,447

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

7,834,392

Total Interest Expense (Sum of items 6 8)

64,834

Share Certificates

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,542

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

805,705

Total Liabilities

7,919,776

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Opp-Micolas Credit Union

Is Opp-Micolas Credit Union a safe place to deposit money?

Yes, Opp-Micolas Credit Union is considered a safe financial institution. With a Texas Ratio of 3.8255285731999%, 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 Opp-Micolas Credit Union operate?

Opp-Micolas 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 Opp-Micolas Credit Union?

Yes, to access services at Opp-Micolas 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, Opp-Micolas 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, Opp-Micolas Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Opp-Micolas Credit Union offer online and mobile banking?

Most modern institutions like Opp-Micolas Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.