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Aflac Federal Credit Union

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Aflac Federal Credit Union Rates & Review April 2026

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

Yes, to access services at Aflac 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Aflac 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: April 27, 2026

You can compare Aflac Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.90%, 6-month share certificate rates at 2.76% and 3-month share certificate rates at 1.36%. Savings rates are at 0.05% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to Aflac Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Aflac Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.56%. Rates were last updated on 04/27/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.56%

Excellent Lower than avg

Aflac Federal Credit Union
Aflac Federal Credit Union

1104 Lockwood Ave
Columbus, GA 31906

http://aflacfcu.net

Current Rate Availability

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

Credit Union Profile & Overview

Credit Union Name Aflac Federal Credit Union

Website http://aflacfcu.net

Address 1104 Lockwood Ave, Columbus, GA 31906

Phone 706-596-3239

Fax 706-323-6046

President Michael Barnett

CEO Roy McLeod

Full-Time Employees 8

Part-Time Employees 1

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+ (100/100)

Texas Ratio

0.56%

Return on Assets (ROA)

2.2300%

Return on Equity (ROE)

6.2082%

Non-Performing Loans Ratio (NPL)

2.10%

Total Assets

136,709,494

Total Amount of Shares and Deposits

84,124,439

Total Shares and Deposits < 1 Year

84,124,439

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

4,722,349

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

4,722,349

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

79,402,090

Total Interest Expense (Sum of items 6 8)

664,503

Number of Accounts for Regular Shares

14,030

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

29,071,615

Total Liabilities

87,602,816

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Aflac Federal Credit Union

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

Yes, Aflac Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.5567654158972%, 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 Aflac Federal Credit Union operate?

Aflac 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 Aflac Federal Credit Union?

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

Does Aflac Federal Credit Union offer online and mobile banking?

Most modern institutions like Aflac 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: http://aflacfcu.net.