Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
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.
Alabama One Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 10, 2026
Alabama One Credit Union's top rates as of October 10, 2026 are 4.36% APY on its CD IRA (Traditional & Roth) - 6 Month, 1.00% APY on savings, 2.78% APY on money market accounts, 2.78% APY on checking, 6.50% on its 10 year Fixed mortgage, auto loans from 3.99% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Alabama One Credit Union CD rates include CD IRA (Traditional & Roth) - 60 Month at 4.36%, CD IRA (Traditional & Roth) - 12 Month at 4.31%, and CD IRA (Traditional & Roth) - 48 Month at 4.31%. Other Alabama One Credit Union mortgage rates include 15 year Fixed at 6.75%, 20 year Fixed at 7.25%, and 30 year Fixed at 7.62%. 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 6.53%. Rates last updated and verified on 10/10/2026.
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 has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Alabama One Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.53%
ExcellentHigher than avg
Alabama One Credit Union Texas Ratio
Alabama One Credit Union's Texas Ratio is 6.53%, which is considered excellent and is higher than the national average of 6.13%.
Alabama One Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.20% to 6.53% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Alabama One Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate IRA (Traditional & Roth) - 6 Month
4.29%
4.36%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.36% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 60 Month
4.29%
4.36%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.36% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 12 Month
4.24%
4.31%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.31% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 48 Month
4.24%
4.31%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.31% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 18 Month
4.19%
4.26%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.26% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 36 Month
4.19%
4.26%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.26% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Certificate IRA (Traditional & Roth) - 24 Month
4.14%
4.20%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
6 Month Certificate
4.09%
4.15%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
Oct 10, 20264.15%▲ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
60 Month Certificate
4.09%
4.15%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
Oct 10, 20264.15%▲ from 3.40%
Sep 14, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
12 Month Certificate
4.04%
4.10%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
Oct 10, 20264.10%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
48 Month Certificate
4.04%
4.10%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
Oct 10, 20264.10%▲ from 3.45%
Sep 14, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
18 Month Certificate
3.99%
4.05%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55%
Oct 10, 20264.05%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
36 Month Certificate
3.99%
4.05%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.05% ▲ 0.60 pts · high 4.05% / low 3.45%
Oct 10, 20264.05%▲ from 3.45%
Sep 14, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
24 Month Certificate
3.94%
4.00%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
Oct 10, 20264.00%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
1.00%
1.00%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Little ONE Membership Savings
1.00%
1.00%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Saver's Club
1.00%
1.00%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Savings Accounts
0.20%
0.20%
Min Balance$1,000
DetailsBalance: $1,000 or greater
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Money Market Rates
Product
Rate
APY
View More
IRA Money Market (Traditional & Roth)
2.75%
2.78%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 2.78% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Money Market Accounts
2.75%
2.78%
Min Balance$500,000
DetailsBalance: $500,000 or greater
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.63% → 2.78% ▲ 0.15 pts · high 2.78% / low 2.63%
Oct 10, 20262.78%▲ from 2.63%
Sep 14, 20262.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
IRA Money Market (Traditional & Roth)
2.50%
2.53%
Min Balance$500,000
DetailsBalance: $500,000 and greater
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 2.53% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
IRA Money Market (Traditional & Roth)
1.00%
1.00%
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
IRA Money Market (Traditional & Roth)
1.00%
1.00%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
IRA Money Market (Traditional & Roth)
1.00%
1.00%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
IRA Money Market (Traditional & Roth)
1.00%
1.00%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Money Market Accounts
1.00%
1.00%
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99 **
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.63% → 1.00% ▼ 1.63 pts · high 2.63% / low 1.00%
Oct 10, 20261.00%▼ from 2.63%
Sep 14, 20262.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Money Market Accounts
1.00%
1.00%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99 **
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.63% → 1.00% ▼ 1.63 pts · high 2.63% / low 1.00%
Oct 10, 20261.00%▼ from 2.63%
Sep 14, 20262.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Money Market Accounts
1.00%
1.00%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99 **
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.63% → 1.00% ▼ 1.63 pts · high 2.63% / low 1.00%
Oct 10, 20261.00%▼ from 2.63%
Sep 14, 20262.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Money Market Accounts
1.00%
1.00%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99 **
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.63% → 1.00% ▼ 1.63 pts · high 2.63% / low 1.00%
Oct 10, 20261.00%▼ from 2.63%
Sep 14, 20262.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Money Market Accounts
1.00%
1.00%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99 **
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 2.63% → 1.00% ▼ 1.63 pts · high 2.63% / low 1.00%
Oct 10, 20261.00%▼ from 2.63%
Sep 14, 20262.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Checking Rates
Product
Rate
APY
View More
Ascend Checking
2.75%
2.78%
Min Balance$500,000
DetailsBalance: $500,000 or greater
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 2.78% ▲ 1.78 pts · high 2.78% / low 1.00%
Oct 10, 20262.78%▲ from 1.00%
Sep 14, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Ascend Checking
1.00%
1.00%
Min Balance$5,000
DetailsBalance: $5,000 - $499,999.99 ***
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Ascend Checking
-
1.00%
Min Deposit$5,000
Min Balance$5,000
DetailsEligible accounts earn up to an additional 1.60% APY interest with enhancements; Dividends are compounded and paid monthly; Available for consumer and business accounts; Excess Share Insurance (ESI) up to an additional $250,000 and premiums are paid by AL ONE; Account(s) with balances $5,000 - $499,999.99 qualify for relationship enhancement. Relationship enhancement does not apply to accounts where balance exceeds threshold balance $500,000 or greater. Qualified products may include, but are not limited to Digital Experience (requires Checking, e-Statements, and registered Online Banking Access), Consumer Credit Card, Consumer Secured Loan, Consumer Mortgage Loan/HELOC Loan, Commercial/Agriculture Loan, Commercial Credit Card, Ascend Fund, Wealth Relationship. Account(s) are reviewed monthly for eligibility. For each of the listed enhancements; your account will receive an additional 0.20% dividend rate up to a maximum additional of 1.60% dividend rate unless otherwise specified. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. For account balances over $500,000, the APY is 2.78% and do not qualify for relationship enhancements. APY is accurate as of 09/25/2026.
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 year Fixed
6.50%
-
6.95%
10 year
DetailsStarts at
Last Updated10/10/2026
Rate History
4 changes since Sep 14, 2026 · 6.19% → 6.95% ▲ 0.76 pts · high 6.95% / low 6.19%
Oct 1, 20266.95%▲ from 6.57%
Sep 27, 20266.57%▲ from 6.44%
Sep 22, 20266.44%▲ from 6.44%
Sep 18, 20266.44%▲ from 6.19%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
15 year Fixed
6.75%
-
7.08%
15 year
DetailsStarts at
Last Updated10/10/2026
Rate History
4 changes since Sep 14, 2026 · 6.19% → 7.08% ▲ 0.90 pts · high 7.08% / low 6.19%
Oct 1, 20267.08%▲ from 6.82%
Sep 27, 20266.82%▲ from 6.70%
Sep 22, 20266.70%▲ from 6.69%
Sep 18, 20266.69%▲ from 6.19%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
20 year Fixed
7.25%
-
7.52%
20 year
DetailsStarts at
Last Updated10/10/2026
Rate History
4 changes since Sep 14, 2026 · 6.38% → 7.52% ▲ 1.14 pts · high 7.52% / low 6.38%
Oct 1, 20267.52%▲ from 7.01%
Sep 27, 20267.01%▲ from 6.89%
Sep 22, 20266.89%▼ from 6.89%
Sep 18, 20266.89%▲ from 6.38%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
30 year Fixed
7.625%
-
7.84%
30 year
DetailsStarts at
Last Updated10/10/2026
Rate History
4 changes since Sep 14, 2026 · 6.82% → 7.84% ▲ 1.02 pts · high 7.84% / low 6.82%
Oct 1, 20267.84%▲ from 7.33%
Sep 27, 20267.33%▼ from 7.33%
Sep 22, 20267.33%▲ from 7.33%
Sep 18, 20267.33%▲ from 6.82%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Lines of Credit (HELOC) <= 70% CLTV
7.50%
-
7.75%
DetailsRate: Prime + .50%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.75% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Home Equity Lines of Credit (HELOC) 70.01%-80% CLTV
8.00%
-
8.25%
DetailsRate: Prime + 1.00%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Home Equity Lines of Credit (HELOC)
-
-
8.584%
DetailsPublished APR range: 8.584% - 10.340%. The minimum loan amount is $10,000 for a HELOC. Variable interest rate for HELOC based on Prime Rate +.50% to Prime Rate +2.25%, based on Loan to Value currently ranging from 8.584% to 10.340%. APR based on Prime Rate of 7.00% as of 10/09/2026 but will never be more than 18.00%.
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 8.58% → 8.58% ▼ 0.00 pts · high 10.34% / low 8.58%
Oct 1, 20268.58%▼ from 10.34%
Sep 27, 202610.34%▲ from 8.58%
Sep 14, 20268.58%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Home Equity Lines of Credit (HELOC) 80.01%-90% CLTV
8.50%
-
9.00%
DetailsRate: Prime + 1.50%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 9.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Home Equity Lines of Credit (HELOC) 90.01%-100% CLTV
9.00%
-
9.50%
DetailsRate: Prime + 2.00%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 9.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans
-
-
3.99%
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Credit Card Rates
Product
Rate
APR
View More
Credit Cards
-
12.24%
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 12.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Alabama One Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
10 Year Fixed 2nd Mortgage - 70.01-80% CLTV
7.25%
-
7.81%
10 Year
DetailsCLTV**
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.81% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
10 Year Fixed 2nd Mortgage - 80.01-90% CLTV
7.75%
-
8.31%
10 Year
DetailsCLTV**
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.31% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
10 Year Fixed 2nd Mortgage - 90.01-100% CLTV
8.25%
-
8.82%
10 Year
DetailsCLTV**
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.82% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
10 Year Fixed 2nd Mortgage - <= 70% CLTV
6.75%
-
7.30%
10 Year
DetailsCLTV**
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.30% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
15 Year Fixed 2nd Mortgage
7.50%
-
7.90%
15 Year
Details<= 70% CLTV**
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.63% → 7.90% ▼ 1.73 pts · high 9.63% / low 7.90%
Oct 10, 20267.90%▼ from 9.63%
Sep 14, 20269.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
15 Year Fixed 2nd Mortgage
8.00%
-
8.41%
15 Year
Details70.01-80% CLTV**
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.63% → 8.41% ▼ 1.22 pts · high 9.63% / low 8.41%
Oct 10, 20268.41%▼ from 9.63%
Sep 14, 20269.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
15 Year Fixed 2nd Mortgage
8.50%
-
8.91%
15 Year
Details80.01-90% CLTV**
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.63% → 8.91% ▼ 0.72 pts · high 9.63% / low 8.91%
Oct 10, 20268.91%▼ from 9.63%
Sep 14, 20269.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
15 Year Fixed 2nd Mortgage
9.00%
-
9.42%
15 Year
Details90.01-100% CLTV**
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.63% → 9.42% ▼ 0.21 pts · high 9.63% / low 9.42%
Oct 10, 20269.42%▼ from 9.63%
Sep 14, 20269.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
5 Year Fixed 2nd Mortgage
6.00%
-
7.02%
5 Year
DetailsCLTV: <= 70%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.02% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
5 Year Fixed 2nd Mortgage
6.50%
-
7.52%
5 Year
DetailsCLTV: 70.01-80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.52% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
5 Year Fixed 2nd Mortgage
7.00%
-
8.03%
5 Year
DetailsCLTV: 80.01-90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.03% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
5 Year Fixed 2nd Mortgage
7.50%
-
8.54%
5 Year
DetailsCLTV: 90.01-100%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.54% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Ascend Fund
3.75%
-
3.82%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
Sep 27, 20263.82%▲ from 3.56%
Sep 14, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.53%
Financial Health History
Alabama One Credit Union’s Texas Ratio stayed near 6.20% in Q3 2023 to 6.53% in Q2 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)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.5B
6.53%
5.0
A
March 31, 2026
$1.5B
5.12%
5.0
A+
December 31, 2025
$1.5B
7.02%
5.0
A
September 30, 2025
$1.5B
6.11%
5.0
A
June 30, 2025
$1.4B
5.90%
5.0
A+
March 31, 2025
$1.4B
4.90%
5.0
A+
December 31, 2024
$1.3B
8.14%
5.0
A
September 30, 2024
$1.3B
5.55%
5.0
A+
June 30, 2024
$1.2B
7.15%
5.0
A
March 31, 2024
$1.2B
5.21%
5.0
A+
December 31, 2023
$1.2B
7.07%
5.0
A
September 30, 2023
$1.0B
6.20%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Address
1215 Veterans Memorial Pkwy,
Tuscaloosa, AL 35404-5842
Phone205-759-1595
Fax205-342-0111
PresidentLoo Whitfield
CEOWilliam Oswalt
Full-Time Employees338
Part-Time Employees8
Branch Locations32
ATM Locations26
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.53%
Return on Assets (ROA)
0.2939%
Return on Equity (ROE)
3.2374%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
1,520,960,142
Total Amount of Shares and Deposits
1,362,566,155
Total Shares and Deposits < 1 Year
1,222,014,478
Total Shares and Deposits 1 3 Years
86,016,897
Total Shares and Deposits > 3 Years
54,534,780
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)
1,200,965,056
Total Interest Expense (Sum of items 6 8)
14,913,242
Share Certificates
8,317
Number of Accounts for Share Drafts
58,873
IRA KEOGH Accounts
2,299
Number of Accounts for Regular Shares
108,564
Non Member Deposits
1
Money Market Shares
5,235
Net Income (unless the amount is already included in Undivided Earnings)
4,469,731
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)
159,493,726
Total Liabilities
1,418,236,760
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Alabama One Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Alabama One Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Alabama One Credit Union
Frequently Asked Questions About Alabama One Credit Union
How 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
12-Month CD4.10%
18-Month CD4.05%
24-Month CD4.00%
60-Month CD4.15%
Savings1.00%
MMA2.78%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
