What are the current interest rates at Alabama One Credit Union?

Current rates for Alabama One Credit Union include: MMA: 2.63%

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Alabama One Credit Union

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Alabama One Credit Union Rates & Review May 2026

Q: How many branches does Alabama One Credit Union operate?

Alabama One 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 One Credit Union?

Yes, to access services at Alabama One 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: Are credit management and repair services offered?

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

Alabama One Credit Union's money market rates are at 2.63%. Alabama One Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Alabama One Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.47%. Rates were last updated on 05/12/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.47%

Excellent Higher than avg

Alabama One Credit Union
Main Office

1215 Veterans Memorial Pkwy
Tuscaloosa, AL 35404 5842

https://www.alabamaone.org

Alabama One Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	2.63%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

Alabama One Credit Union Checking Rates

Product	Rate	APY	View More
Ascend Checking	-	2.63%
No additional details. Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

Alabama One Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	3.99%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

Alabama One Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	12.24%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.47%

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

Credit Union Profile & Overview

Credit Union Name Alabama One Credit Union

Website https://www.alabamaone.org

Address 1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 5842

Phone 205-759-1595

Fax 205-342-0111

President Loo Whitfield

CEO William Oswalt

Full-Time Employees 315

Part-Time Employees 9

Branch Locations 31

ATM Locations 26

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

6.47%

Return on Assets (ROA)

0.2486%

Return on Equity (ROE)

2.7819%

Non-Performing Loans Ratio (NPL)

0.83%

Total Assets

1,452,649,253

Total Amount of Shares and Deposits

1,305,152,216

Total Shares and Deposits < 1 Year

1,161,705,237

Total Shares and Deposits 1 3 Years

89,957,989

Total Shares and Deposits > 3 Years

53,488,990

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

161,601,099

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

161,601,099

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

1,143,551,117

Total Interest Expense (Sum of items 6 8)

23,527,396

Share Certificates

8,198

Number of Accounts for Share Drafts

59,353

IRA KEOGH Accounts

2,415

Number of Accounts for Regular Shares

109,746

Non Member Deposits

Money Market Shares

5,251

Net Income (unless the amount is already included in Undivided Earnings)

3,611,325

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

44,330,113

Total Liabilities

1,359,881,311

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Alabama One Credit Union

How many branches does Alabama One Credit Union operate?

Alabama One 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 One Credit Union?

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

Does Alabama One Credit Union offer online and mobile banking?

Most modern institutions like Alabama One 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.alabamaone.org.