What are the current interest rates at Alba Golden Federal Credit Union?

Current rates for Alba Golden Federal Credit Union include: 12-Month CD: 2.00%

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Alba Golden Federal Credit Union

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Alba Golden Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alba Golden Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Alba Golden Federal Credit Union's 1 year CD rates are at 3.50%, 1 year CD rates are at 3.00%, 1 year CD rates are at 2.50%, 1 year CD rates are at 2.00%. Alba Golden Federal Credit Union's Personal Loan Rates are as low as 9.75%. MonitorBankRates evaluates the financial stability of Alba Golden Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.81%. Rates last updated and verified on 09/21/2026.

Alba Golden 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 Alba Golden Federal Credit Union? Share your experience about Alba Golden Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Alba Golden Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.81%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Alba Golden Federal Credit Union
Alba-Golden FCU

140 Broadway St
Alba, TX 75410

https://albagoldfcu.virtualcu.net/

Alba Golden Federal Credit Union CD Rates

Product	Rate	APY	Term
1 year Share Certificate	3.50%	3.50%	1 year
Min Deposit $5,000 Min Balance $75 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
1 year Share Certificate	3.00%	3.00%	1 year
Min Deposit $5,000 Min Balance $50 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
1 year Share Certificate	2.50%	2.50%	1 year
Min Deposit $5,000 Min Balance $25 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
1 year Share Certificate	2.00%	2.00%	1 year
Min Deposit $5,000 Min Balance $5 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Alba Golden Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Autos, Boats, RV's, Motorcycles, Tractor & Other Equipment, and all other	-	-	5.00%
Details Rates are based on current Experian credit score; APR range: 5.00% APR to 17.5% APR Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Used Autos, Boats, RV's, Motorcycles, Tractor & Other Equipment, and all other	-	-	7.00%
Details Rates are based on current Experian credit score; APR range: 7.00% APR to 18.00% APR Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Alba Golden Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.75%
Details All rates are based on current Experian FICO 08 Scoring Model credit score; Qualifying Signature Loan amounts are based on current Experian credit score; To qualify for a Signature Loan, you must have had a previous collateralized loan with AGFCU with at least 6 months current payment history; APR range: 9.75% APR to 18.00% APR Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Alba Golden Federal Credit Union’s Texas Ratio fell from 6.52% in Q2 2023 to 1.81% in Q1 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 5.0 and its Health Grade from A to A+. 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
March 31, 2026	$22M	1.81%	5.0	A+
December 31, 2025	$21M	3.91%	5.0	A+
September 30, 2025	$19M	5.06%	5.0	A+
June 30, 2025	$19M	1.65%	5.0	A+
March 31, 2025	$19M	4.36%	5.0	A+
December 31, 2024	$18M	6.43%	5.0	A
September 30, 2024	$19M	0.00%	5.0	A+
June 30, 2024	$18M	4.00%	5.0	A+
March 31, 2024	$18M	1.90%	5.0	A+
December 31, 2023	$19M	0.61%	5.0	A+
September 30, 2023	$19M	4.68%	5.0	A+
June 30, 2023	$19M	6.52%	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 Alba Golden 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 Alba Golden 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 Alba Golden Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alba Golden Federal Credit Union

Website https://albagoldfcu.virtualcu.net/

Address 140 Broadway St, Alba, TX 75410

Phone 903-765-2425

Fax 903-765-2547

President Laura Reid

CEO Danielle Williams

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.81%

Return on Assets (ROA)

0.2084%

Return on Equity (ROE)

1.2542%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

21,873,648

Total Amount of Shares and Deposits

17,904,651

Total Shares and Deposits < 1 Year

15,883,407

Total Shares and Deposits 1 3 Years

2,021,244

Total Insured Shares and Deposits > $250K (item 17 less item K)

17,904,651

Total Interest Expense (Sum of items 6 8)

99,455

Share Certificates

126

Number of Accounts for Regular Shares

1,642

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)

2,776,573

Total Liabilities

18,239,017

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Alba Golden Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Alba Golden Federal Credit Union

How many branches does Alba Golden Federal Credit Union operate?

Alba Golden Federal 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 Alba Golden Federal Credit Union?

Yes, to access services at Alba Golden Federal 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, Alba Golden Federal 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, Alba Golden Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Alba Golden Federal Credit Union offer online and mobile banking?

Most modern institutions like Alba Golden Federal 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://albagoldfcu.virtualcu.net/.