Acipco Federal Credit Union Rates and Review February 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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Acipco Federal Credit Union's Personal Loan Rates are at 10.00%. You can compare Acipco Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.53%, 6-month share certificate rates at 0.30% and 3-month share certificate rates at 3.60%. Savings rates are at 0.20% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates, and more, can be found in our database of rates which you can compare to Acipco Federal Credit Union rates.
Acipco Federal 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 Acipco Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Acipco Federal Credit Union Texas RatioAcipco Federal Credit Union's Texas Ratio is at 1.47%, which is considered excellent. The Texas Ratio for Acipco Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Acipco Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Acipco Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Acipco Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Acipco Federal Credit Union
ACIPCO Federal Credit Union 1501 31st Ave N
Birmingham, AL 35207 
Acipco Federal Credit Union Auto Loan Rates
Acipco Federal Credit Union Credit Card Rates
Acipco Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Acipco Federal 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 Acipco Federal 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 Acipco Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Acipco Federal Credit Union
Website: https://www.acipcofcu.org
Full Time Employees: 20Part Time Employees: 0 President: Mike Kitchens CEO: Alison Cooke Branch Locations: 2 ATM Locations: 1 Corporate Office Address:
1501 31st Ave N
Birmingham, AL 35207 Phone Number: 205-328-4371 Fax Number: 205-251-1513 FinancialsTotal Assets:
212,135,130
Total Amount of Shares and Deposits:
182,737,740
Total Shares and Deposits < 1 Year:
171,734,578
Total Shares and Deposits 1 3 Years:
9,785,902
Total Shares and Deposits > 3 Years:
1,217,260
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
5,224,668
Total Uninsured Shares and Deposits > $250K (F+J):
5,224,668
Total Insured Shares and Deposits > $250K (item 17 less item K):
177,513,072
Total Interest Expense (Sum of items 6 8):
1,954,383
Share Certificates:
1,104
Number of Accounts for Share Drafts:
5,078
IRA KEOGH Accounts:
251
Number of Accounts for Regular Shares:
8,846
All other shares:
305
Money Market Shares:
1,209
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
27,712,176
Total Liabilities:
184,118,033
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Source: NCUA Last Updated 09/30/2025
Customer ReviewssrLv
December 17, 2025
LDuH
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Frequently Asked Questions About Acipco Federal Credit UnionIs a member application needed to join Acipco Federal Credit Union?Yes, to access services at Acipco Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Acipco Federal Credit Union provides a range of mortgage and home equity products. Is Acipco Federal Credit Union a safe place to deposit money?Yes, Acipco Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Acipco Federal Credit Union offer online and mobile banking?Most modern institutions like Acipco Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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