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 Alabama One Credit Union Rates & Review September 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 and Verified: September 22, 2026
Alabama One Credit Union's 12 Month CDs of Deposit Accounts rates are at 4.20%, 12 Month CDs of Deposit Accounts rates are at 4.00%, 6 Month CDs of Deposit Accounts rates are at 3.96%, 18 Month CDs of Deposit Accounts rates are at 3.75%, 6 Month CDs of Deposit Accounts rates are at 3.75%. Alabama One Credit Union's savings rates are at 1.00%. Alabama One Credit Union's 10 year Fixed rates are at 6.00%, 15 year Fixed rates are at 6.38%, 20 year Fixed rates are at 6.62%, 30 year Fixed rates are at 7.12%. Alabama One Credit Union's Auto Loan Rates are as low as 3.99%. Alabama One Credit Union's Credit Card Rates are at 12.24%. MonitorBankRates evaluates the financial stability of Alabama One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.12%. Rates last updated and verified on 09/22/2026. Alabama One 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 One Credit Union? Share your experience about Alabama One Credit Union by leaving a review below, or read customer reviews before you decide to use Alabama One Credit Union. Alabama One Credit Union
Main Office 1215 Veterans Memorial Pkwy
https://www.alabamaone.org Tuscaloosa, AL 35404-5842 
Alabama One Credit Union CD Rates
Alabama One Credit Union Savings Rates
Alabama One Credit Union Checking Rates
Alabama One Credit Union Mortgage Rates
Alabama One Credit Union Home Equity & HELOC
Alabama One Credit Union Auto Loan Rates
Alabama One Credit Union Credit Card Rates
Alabama One Credit Union Other Rates
Financial Health HistoryAlabama One Credit Union’s Texas Ratio stayed near 5.29% in Q2 2023 to 5.12% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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 Alabama One 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 One 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 One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alabama One Credit Union
Website
https://www.alabamaone.org
Address
1215 Veterans Memorial Pkwy,
Tuscaloosa, AL 35404-5842
Phone
205-759-1595
Fax
205-342-0111
President
Loo Whitfield
CEO
William Oswalt
Full-Time Employees
330
Part-Time Employees
8
Branch Locations
31
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.12%
Return on Assets (ROA)
0.1362%
Return on Equity (ROE)
1.5150%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
1,508,934,847
Total Amount of Shares and Deposits
1,355,067,757
Total Shares and Deposits < 1 Year
1,212,130,245
Total Shares and Deposits 1 3 Years
88,849,174
Total Shares and Deposits > 3 Years
54,088,338
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
161,601,099
Total Uninsured Shares and Deposits > $250K (F+J)
161,601,099
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,193,466,658
Total Interest Expense (Sum of items 6 8)
7,473,906
Share Certificates
8,434
Number of Accounts for Share Drafts
60,246
IRA KEOGH Accounts
2,317
Number of Accounts for Regular Shares
110,041
Non Member Deposits
1
Money Market Shares
5,288
Net Income (unless the amount is already included in Undivided Earnings)
2,055,029
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
187,015,124
Total Liabilities
1,408,768,038
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Alabama One Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Alabama One Credit Union
Frequently Asked Questions About Alabama One Credit UnionHow many branches does Alabama One Credit Union operate?Alabama One 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 Alabama One Credit Union?Yes, to access services at Alabama One 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, Alabama One 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, Alabama One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alabama One Credit Union offer online and mobile banking?Most modern institutions like Alabama One 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.alabamaone.org. Current Alabama One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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