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 Alabama Teachers Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: August 28, 2026
Alabama Teachers Credit Union's 7 Month Special rates are at 3.90%, 6 Month rates are at 3.82%, 15 Month Special rates are at 3.65%, 12 Month IRA CD rates are at 3.30%, 48 Month rates are at 2.84%. Alabama Teachers Credit Union's savings rates are at 0.20%. Alabama Teachers Credit Union's money market rates are at 0.35%. Alabama Teachers Credit Union's Personal Loan Rates are at 9.38%. MonitorBankRates evaluates the financial stability of Alabama Teachers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.85%. Rates last updated and verified on 08/28/2026. Alabama Teachers 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 Teachers Credit Union? Share your experience about Alabama Teachers Credit Union by leaving a review below, or read customer reviews before you decide to use Alabama Teachers Credit Union. 
Alabama Teachers Credit Union CD Rates
Alabama Teachers Credit Union Savings Rates
Alabama Teachers Credit Union Money Market Rates
Alabama Teachers Credit Union Checking Rates
Alabama Teachers Credit Union Auto Loan Rates
Alabama Teachers Credit Union Credit Card Rates
Alabama Teachers Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alabama Teachers 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 Teachers 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 Teachers Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alabama Teachers Credit Union
Website
https://atcu.com
Address
702 Walnut St,
Gadsden, AL 35901
Phone
256-543-7040
Fax
256-439-3699
President
Martha Lavender
CEO
Jeffrey Napper
Full-Time Employees
99
Part-Time Employees
0
Branch Locations
6
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.85%
Return on Assets (ROA)
0.7392%
Return on Equity (ROE)
6.6741%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
592,503,307
Total Amount of Shares and Deposits
528,525,227
Total Shares and Deposits < 1 Year
498,019,618
Total Shares and Deposits 1 3 Years
23,225,831
Total Shares and Deposits > 3 Years
7,279,779
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
54,249,630
Total Uninsured Shares and Deposits > $250K (F+J)
54,249,630
Total Insured Shares and Deposits > $250K (item 17 less item K)
474,275,597
Total Interest Expense (Sum of items 6 8)
7,736,192
Share Certificates
4,279
Number of Accounts for Share Drafts
22,442
IRA KEOGH Accounts
942
Number of Accounts for Regular Shares
32,634
All other shares
3,742
Non Member Deposits
5
Money Market Shares
343
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)
58,058,463
Total Liabilities
531,773,806
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Alabama Teachers Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Alabama Teachers Credit Union
Frequently Asked Questions About Alabama Teachers Credit UnionHow many branches does Alabama Teachers Credit Union operate?Alabama Teachers 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 Teachers Credit Union?Yes, to access services at Alabama Teachers 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 Teachers 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 Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alabama Teachers Credit Union offer online and mobile banking?Most modern institutions like Alabama Teachers 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://atcu.com. Current Alabama Teachers Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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