☰

Home›
Credit Unions›
Azalea City Credit Union

iAdvertiser Disclosure

Azalea City Credit Union Rates & Review April 2026

Q: How many branches does Azalea City Credit Union operate?

Azalea City 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.

Q: Is a member application needed to join Azalea City Credit Union?

Yes, to access services at Azalea City 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Azalea City 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: April 23, 2026

You can compare Azalea City Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.50%, 6-month share certificate rates at 2.00% and 3-month share certificate rates at 0.05%. Savings rates are at 0.25% and money market rates are at 0.80%. Mortgage rates on 30-year fixed loans are around 6.10%. All these rates can be compared to Azalea City Credit Union rates. MonitorBankRates evaluates the financial stability of Azalea City Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.03%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.03%

Excellent Lower than avg

Azalea City Credit Union
Azalea City Credit Union

5662 Cottage Hill Rd
MOBILE, AL 36609

https://azaleacitycu.com/

Current Rate Availability

We do not have Azalea City 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 Azalea City 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 Azalea City 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 Azalea City Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Azalea City Credit Union

Website https://azaleacitycu.com/

Address 5662 Cottage Hill Rd, MOBILE, AL 36609

Phone 251-316-0000

Fax 251-316-0003

President JERRY BYRD

CEO Olabode Anise

Full-Time Employees 15

Part-Time Employees 1

Branch Locations 5

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.03%

Return on Assets (ROA)

0.7812%

Return on Equity (ROE)

5.0971%

Non-Performing Loans Ratio (NPL)

1.27%

Total Assets

45,140,082

Total Amount of Shares and Deposits

38,035,299

Total Shares and Deposits < 1 Year

35,694,709

Total Shares and Deposits 1 3 Years

1,985,980

Total Shares and Deposits > 3 Years

354,609

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,900,549

Total Uninsured Shares and Deposits > $250K (F+J)

1,900,549

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

36,134,750

Total Interest Expense (Sum of items 6 8)

404,399

Share Certificates

274

Number of Accounts for Share Drafts

2,038

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,194

All other shares

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,793,585

Total Liabilities

38,287,895

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Azalea City Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Azalea City Credit Union

Frequently Asked Questions About Azalea City Credit Union

Is Azalea City Credit Union a safe place to deposit money?

Yes, Azalea City Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0326316706964%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Azalea City Credit Union operate?

Azalea City 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 Azalea City Credit Union?

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

Does Azalea City Credit Union offer online and mobile banking?

Most modern institutions like Azalea City 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://azaleacitycu.com/.