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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.
 Red Oak Credit Union 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 9, 2026
Red Oak Credit Union's top rates as of October 9, 2026 are 3.85% APY on its Regular & IRA CDs - 6 month CD, 0.10% APY on savings, 9.00% on its Tractors, Farm Equipment mortgage, personal loans from 13.25% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Red Oak Credit Union CD rates include Regular & IRA CDs - 12 month at 3.42%, Regular & IRA CDs - 18 month at 3.29%, and Regular & IRA CDs - 24 month at 3.03%. MonitorBankRates evaluates the financial stability of Red Oak Credit Union with a 3.8 Star Rating, an B Overall Health Grade, and a Texas Ratio of 4.34%. Rates last updated and verified on 10/09/2026. Red Oak 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 Red Oak Credit Union? Share your experience about Red Oak Credit Union by leaving a review below, or read customer reviews before you decide to use Red Oak Credit Union. Red Oak Credit Union
Tuscaloosa Branch 1008 Veterans Memorial Pkwy
https://www.redoakcu.com Tuscaloosa, AL 35404  Customer Reviews
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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. Red Oak Credit Union CD Rates
Red Oak Credit Union Savings Rates
Red Oak Credit Union Mortgage Rates
Red Oak Credit Union Auto Loan Rates
Red Oak Credit Union RV, Boat and Powersport Loan Rates
Red Oak Credit Union Credit Card Rates
Red Oak Credit Union Personal Loan Rates
Red Oak Credit Union Other Rates
Financial Health HistoryRed Oak Credit Union’s Texas Ratio fell from 5.66% in Q3 2023 to 4.34% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.8 and its Health Grade from A+ to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 Red Oak 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 Red Oak 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 Red Oak Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Red Oak Credit Union
Website
https://www.redoakcu.com
Address
1008 Veterans Memorial Pkwy,
Tuscaloosa, AL 35404
Phone
205-759-7317
Fax
205-758-5574
President
Michael Wilson
CEO
Melissa Jones
Full-Time Employees
10
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.8 / 5.0 ★
Overall Health & Safety Grade
B (86/100)
Texas Ratio
4.34%
Return on Assets (ROA)
-0.3179%
Return on Equity (ROE)
-5.4471%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
40,143,887
Total Amount of Shares and Deposits
31,741,049
Total Shares and Deposits < 1 Year
27,320,265
Total Shares and Deposits 1 3 Years
3,766,371
Total Shares and Deposits > 3 Years
654,413
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,522,628
Total Uninsured Shares and Deposits > $250K (F+J)
1,522,628
Total Insured Shares and Deposits > $250K (item 17 less item K)
30,218,421
Total Interest Expense (Sum of items 6 8)
125,409
Share Certificates
80
Number of Accounts for Share Drafts
2,753
IRA KEOGH Accounts
51
Number of Accounts for Regular Shares
4,006
All other shares
466
Money Market Shares
60
Net Income (unless the amount is already included in Undivided Earnings)
-127,631
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Undercapitalized
Net Worth Classification if credit union is a new credit union
Moderately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,649,019
Total Liabilities
38,763,625
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Red Oak Credit UnionHow many branches does Red Oak Credit Union operate?Red Oak 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 Red Oak Credit Union?Yes, to access services at Red Oak 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, Red Oak 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, Red Oak Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Red Oak Credit Union offer online and mobile banking?Most modern institutions like Red Oak 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.redoakcu.com. Current Red Oak Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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