Alabama 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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Alabama Credit Union's money market rates are at 0.50%. Alabama Credit Union's Mortgage 3/1 ARM rates are at 5.00%, 10 Year Mortgage rates are at 5.25%, Mortgage 5/1 ARM rates are at 5.50%, 15 Year Mortgage rates are at 5.50%, Mortgage 5/5 ARM rates are at 5.88%. Alabama Credit Union's Personal Loan Rates are at 9.75%.
Alabama 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 Alabama Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Alabama Credit Union Texas RatioAlabama Credit Union's Texas Ratio is at 6.17%, which is considered excellent. The Texas Ratio for Alabama Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Alabama 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
Alabama 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, Alabama 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.
Alabama Credit Union
Administration Building 909 Anna Ave
Tuscaloosa, AL 35401 
Alabama Credit Union Money Market Rates
Alabama Credit Union Mortgage Rates
Alabama Credit Union Home Equity & HELOC
Alabama Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Alabama 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 Alabama 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 Alabama Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Alabama Credit Union
Website: https://www.alabamacu.com/
Full Time Employees: 381Part Time Employees: 17 President: Ron Dulek CEO: June Landrum Branch Locations: 39 ATM Locations: 36 Corporate Office Address:
909 Anna Ave
Tuscaloosa, AL 35401 Phone Number: 888-817-2002 Fax Number: 205-650-1020 FinancialsTotal Assets:
2,059,953,361
Total Amount of Shares and Deposits:
1,758,808,964
Total Shares and Deposits < 1 Year:
1,604,501,238
Total Shares and Deposits 1 3 Years:
145,590,764
Total Shares and Deposits > 3 Years:
8,716,962
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
114,356,779
Total Uninsured Shares and Deposits > $250K (F+J):
114,356,785
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,644,452,179
Total Interest Expense (Sum of items 6 8):
35,953,385
Share Certificates:
12,520
Number of Accounts for Share Drafts:
89,369
IRA KEOGH Accounts:
2,311
Number of Accounts for Regular Shares:
169,154
All other shares:
330
Non Member Deposits:
25
Money Market Shares:
3,058
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
108,888,185
Total Liabilities:
1,924,160,547
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Alabama Credit UnionIs a member application needed to join Alabama Credit Union?Yes, to access services at Alabama Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Alabama Credit Union provides a range of mortgage and home equity products. Is Alabama Credit Union a safe place to deposit money?Yes, Alabama Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Alabama Credit Union offer online and mobile banking?Most modern institutions like Alabama Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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