What are the current interest rates at Alabama Credit Union?

Current rates for Alabama Credit Union include: MMA: 0.50%

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Alabama Credit Union

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Alabama Credit Union Rates & Review September 2026

Q: How many branches does Alabama Credit Union operate?

Alabama 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.

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

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

Currently, Alabama 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alabama 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 and Verified: August 31, 2026

Alabama Credit Union's money market rates are at 0.50%. Alabama Credit Union's 3/1 ARM, First Mortgage rates are at 5.00%, 5/1 ARM, First Mortgage rates are at 5.50%, 10 Year Fixed, First Mortgage rates are at 5.38%, 15 Year Fixed, First Mortgage rates are at 5.62%, 5/5 ARM, First Mortgage rates are at 5.88%. Alabama Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Alabama Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.68%. Rates last updated and verified on 08/31/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.68%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Alabama Credit Union
Administration Building

909 Anna Ave
Tuscaloosa, AL 35401

https://www.alabamacu.com/

Alabama Credit Union Money Market Rates

Product	Rate	APY
Daily Money Market Account	3.00%	3.03%
Min Balance $100,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
Daily Money Market Account	0.70%	0.70%
Min Balance $50,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
Daily Money Market Account	0.60%	0.60%
Min Balance $25,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
Daily Money Market Account	0.55%	0.55%
Min Balance $10,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
Daily Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,500 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%

Alabama Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
3/1 ARM, First Mortgage	5.00%	0% Origination	5.06%
Details 80% Loan to Value Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
5/1 ARM, First Mortgage	5.50%	0% Origination	5.56%
Details 80% Loan to Value Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
10 Year Fixed, First Mortgage	5.38%	0.50%	5.64%	10 Year
Details 80% Loan to Value Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
15 Year Fixed, First Mortgage	5.63%	0.50%	5.81%	15 Year
Details 80% Loan to Value Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
5/5 ARM, First Mortgage	5.88%	0% Origination	5.94%
Details 80% Loan to Value Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
7/1 ARM, First Mortgage	6.00%	0% Origination	6.06%
Details 80% Loan to Value Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%
10/1 ARM, First Mortgage	6.50%	0.50% Origination	6.61%
Details 80% Loan to Value Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%

Alabama Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	8.90%
Details As Low As Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%

Alabama Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Property Loan	9.75%	Up to 36 months
Details Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.68%

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.

Financial Health History

Alabama Credit Union’s Texas Ratio fell from 9.83% in Q2 2023 to 5.68% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.1B	5.68%	5.0	A+
December 31, 2025	$2.1B	6.74%	5.0	A
September 30, 2025	$2.1B	5.87%	5.0	A+
June 30, 2025	$2.0B	6.45%	5.0	A
March 31, 2025	$2.0B	8.02%	5.0	A
December 31, 2024	$1.9B	9.64%	5.0	A
September 30, 2024	$1.9B	9.66%	5.0	A
June 30, 2024	$1.9B	8.75%	5.0	A
March 31, 2024	$2.0B	9.34%	5.0	A
December 31, 2023	$1.9B	10.87%	5.0	A
September 30, 2023	$1.9B	8.82%	5.0	A
June 30, 2023	$1.8B	9.83%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Alabama 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alabama Credit Union

Website https://www.alabamacu.com/

Address 909 Anna Ave, Tuscaloosa, AL 35401

Phone 888-817-2002

Fax 205-650-1020

President Mark Nelson

CEO June Landrum

Full-Time Employees 384

Part-Time Employees 16

Branch Locations 39

ATM Locations 27

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.68%

Return on Assets (ROA)

0.1709%

Return on Equity (ROE)

1.7133%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

2,060,560,304

Total Amount of Shares and Deposits

1,804,405,773

Total Shares and Deposits < 1 Year

1,644,847,999

Total Shares and Deposits 1 3 Years

150,436,450

Total Shares and Deposits > 3 Years

9,121,324

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

124,584,119

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

124,584,125

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

1,679,821,648

Total Interest Expense (Sum of items 6 8)

10,871,380

Share Certificates

12,120

Number of Accounts for Share Drafts

91,323

IRA KEOGH Accounts

2,277

Number of Accounts for Regular Shares

163,928

Non Member Deposits

Money Market Shares

3,082

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)

159,648,343

Total Liabilities

1,915,872,860

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Alabama Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Alabama Credit Union

How many branches does Alabama Credit Union operate?

Alabama 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 Credit Union?

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

Does Alabama Credit Union offer online and mobile banking?

Most modern institutions like Alabama 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.alabamacu.com/.