What are the current interest rates at Alec Federal Credit Union?

Current rates for Alec Federal Credit Union include:

Alec Federal Credit Union Rates and Review February 2026

Q: Is a member application needed to join Alec Federal Credit Union?

Yes, to access services at Alec Federal Credit Union, a member application is required.

Content reviewed by

Brian McKay

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Alec Federal Credit Union Deposit Rates

You can compare Alec Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.10%, 6-month share certificate rates at 3.02% and 3-month share certificate rates at 1.76%. Savings rates are at 0.10% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.67%. All these rates, and more, can be found in our database of rates which you can compare to Alec Federal Credit Union rates.

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

Alec Federal Credit Union Texas Ratio

Alec Federal Credit Union's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Alec 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. A 0.00% ratio is the best possible score. It indicates that Alec Federal Credit Union currently has zero non-performing assets or foreclosed properties on its books.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Alec 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, Alec Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Alec Federal Credit Union
ALEC Federal Credit Union

10725 Airline Hwy
Baton Rouge, LA 70816

https://www.alecfcu.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Current Rate Availability

We do not have Alec Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Alec 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 Alec 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 Alec Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: Alec Federal Credit Union

Website: https://www.alecfcu.com

Full Time Employees: 2
Part Time Employees: 0
President: JOE LEE
CEO: ROBIN PLUNKET
Branch Locations: 1
ATM Locations: 0

Corporate Office Address:

10725 Airline Hwy
Baton Rouge, LA 70816
Phone Number: 225-293-3450
Fax Number: 225-293-3467

Financials

Total Assets:

6,734,990

Total Amount of Shares and Deposits:

4,850,765

Total Shares and Deposits < 1 Year:

4,850,765

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

4,850,765

Total Interest Expense (Sum of items 6 8):

4,371

Number of Accounts for Regular Shares:

1,099

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

643,912

Total Liabilities:

4,883,116

Source: NCUA Last Updated 03/31/2024

Customer Reviews

MrXp

★★★★★

December 17, 2025

Nqox

Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Alec Federal Credit Union

Is a member application needed to join Alec Federal Credit Union?

Yes, to access services at Alec Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Alec Federal Credit Union provides a range of mortgage and home equity products.

Is Alec Federal Credit Union a safe place to deposit money?

Yes, Alec Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.