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Acipco Federal Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| iEditorial Disclosure
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: May 7, 2026

Acipco Federal Credit Union's IRA Certficate (36 month) rates are at 3.04%, IRA CD (24 month) rates are at 2.78%. Acipco Federal Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of Acipco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.47%. Rates were last updated on 05/07/2026.

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

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.47%
Excellent Lower than avg
Acipco Federal Credit Union
ACIPCO Federal Credit Union
1501 31st Ave N
Birmingham, AL 35207
https://www.acipcofcu.org
Member NCUA

Acipco Federal Credit Union CD Rates

Product Rate APY Term View More
IRA Certficate (36 month) - 3.04% 36
Min Balance $25,000
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA Certificate (24 month) - 2.78% 24
Min Balance $25,000
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%

Acipco Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.75%
Details As Low As
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%

Acipco Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA Credit Card - 9.99%
No additional details.
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%

Acipco Federal Credit Union Personal Loan Rates

Product Rate APR View More
Signature/Personal - 10.00%
No additional details.
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
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.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Acipco 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 Acipco 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 Acipco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Acipco Federal Credit Union
Website https://www.acipcofcu.org
Address 1501 31st Ave N, Birmingham, AL 35207
Phone 205-328-4371
Fax 205-251-1513
President Mike Kitchens
CEO Alison Cooke
Full-Time Employees 20
Part-Time Employees 0
Branch Locations 2
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.47%
Return on Assets (ROA)
1.4849%
Return on Equity (ROE)
9.8035%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
212,135,130
Total Amount of Shares and Deposits
182,737,740
Total Shares and Deposits < 1 Year
171,734,578
Total Shares and Deposits 1 3 Years
9,785,902
Total Shares and Deposits > 3 Years
1,217,260
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,224,668
Total Uninsured Shares and Deposits > $250K (F+J)
5,224,668
Total Insured Shares and Deposits > $250K (item 17 less item K)
177,513,072
Total Interest Expense (Sum of items 6 8)
1,954,383
Share Certificates
1,104
Number of Accounts for Share Drafts
5,078
IRA KEOGH Accounts
251
Number of Accounts for Regular Shares
8,846
All other shares
305
Money Market Shares
1,209
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
27,712,176
Total Liabilities
184,118,033
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

Acipco Federal Credit Union earned the Verified Strong badge

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Customer Reviews

Want to discuss Acipco Federal Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Acipco Federal Credit Union
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Frequently Asked Questions About Acipco Federal Credit Union

How many branches does Acipco Federal Credit Union operate?

Acipco 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 Acipco Federal Credit Union?

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

Does Acipco Federal Credit Union offer online and mobile banking?

Most modern institutions like Acipco 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: https://www.acipcofcu.org.

Current Acipco Federal Credit Union Rates

  • 24-Month CD2.78%
Retrieved from our database of financial products. Rates subject to change.

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