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 Azalea City Credit Union Rates & Review April 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: April 8, 2026
Azalea City Credit Union's Share and IRA CDs of Deposit 6 month rates are at 3.90%, Share and IRA CDs of Deposit 12 month rates are at 3.80%, Share and IRA CDs of Deposit 18 month rates are at 3.75%, Share and IRA CDs of Deposit 24 month rates are at 3.65%, Share and IRA CDs of Deposit 48 month rates are at 3.65%. Azalea City Credit Union's Personal Loan Rates are at 12.99%. 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 04/08/2026. 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. Azalea City Credit Union
Azalea City Credit Union 5662 Cottage Hill Rd
https://azaleacitycu.com/ MOBILE, AL 36609 
Azalea City Credit Union CD Rates
Azalea City Credit Union Savings Rates
Azalea City Credit Union Credit Card Rates
Azalea City Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
20
Number of Accounts for Regular Shares
5,194
All other shares
71
Non Member Deposits
4
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,793,585
Total Liabilities
38,287,895
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Azalea City Credit UnionIs 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/. Current Azalea City Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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