What are the current interest rates at FEDMONT?

Current rates for FEDMONT include: 12-Month CD: 2.01%, 18-Month CD: 0.75%

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FEDMONT

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FEDMONT Rates & Review May 2026

Q: How many branches does FEDMONT operate?

FEDMONT 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 FEDMONT?

Yes, to access services at FEDMONT, 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: Is there a first-time homebuyer program?

Currently, FEDMONT 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FEDMONT 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: May 12, 2026

FEDMONT's 12-Month CD rates are at 2.01%, 6-Month CD rates are at 1.76%, 18-Month CD rates are at 0.75%. FEDMONT's Personal Loan Rates are at 8.00%. MonitorBankRates evaluates the financial stability of FEDMONT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.33%. Rates were last updated on 05/12/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.33%

Excellent Lower than avg

FEDMONT
Fedmont FCU

330 Eastdale Cir
Montgomery, AL 36117

http://www.fedmontfcu.com

FEDMONT CD Rates

Product	Rate	APY	Term
12-Month Share Certificate	2.00%	2.01%	12
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
6-Month Share Certificate	1.75%	1.76%	6
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
18-Month Share Certificate	0.75%	0.75%	18
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FEDMONT Savings Rates

Product	Rate	APY
Christmas Club	0.30%	0.31%
Details *Previous Year's Dividend Rate Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%
Vacation Club	0.30%	0.31%
Details *Previous Year's Dividend Rate Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FEDMONT Checking Rates

Product	Rate	APY	View More
Share Draft (Checking)	0.10%	0.11%
Min Balance $1,000 Details Avg Daily Balance of $1,000 required Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

FEDMONT Personal Loan Rates

Product	Rate	APR	View More
Personal (Unsecured) Loans	-	8.00%
Details As Low As; $2,500 to $10,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.03%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for FEDMONT 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 FEDMONT 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 FEDMONT's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FEDMONT

Website http://www.fedmontfcu.com

Address 330 Eastdale Cir, Montgomery, AL 36117

Phone 334-270-5532

Fax 334-270-5534

President Quinton Harris

CEO Stacy Robbins

Full-Time Employees 4

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

0.33%

Return on Assets (ROA)

0.7427%

Return on Equity (ROE)

5.4644%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

12,771,645

Total Amount of Shares and Deposits

10,972,649

Total Shares and Deposits < 1 Year

9,343,745

Total Shares and Deposits 1 3 Years

1,420,794

Total Shares and Deposits > 3 Years

208,110

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

10,972,649

Total Interest Expense (Sum of items 6 8)

34,182

Share Certificates

Number of Accounts for Share Drafts

683

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,228

All other shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

664,075

Total Liabilities

11,041,805

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for FEDMONT yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for FEDMONT

Frequently Asked Questions About FEDMONT

How many branches does FEDMONT operate?

FEDMONT 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 FEDMONT?

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

Does FEDMONT offer online and mobile banking?

Most modern institutions like FEDMONT 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://www.fedmontfcu.com.