What are the current interest rates at All In Credit Union?

Current rates for All In Credit Union include: 12-Month CD: 3.66%, 18-Month CD: 4.23%, 24-Month CD: 4.07%, 60-Month CD: 4.23%, Savings: 3.88%, MMA: 1.66%

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All In Credit Union

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All In Credit Union Rates & Review October 2026

Q: How many branches does All In Credit Union operate?

All In 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 All In Credit Union?

Yes, to access services at All In 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, All In 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, All In 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: October 14, 2026

All In Credit Union's top rates as of October 14, 2026 are 4.28% APY on its 18 Month IRA Jumbo CD, 3.88% APY on savings, 1.66% APY on money market accounts, 0.10% APY on checking, rv, boat and powersport loans from 10.24% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other All In Credit Union CD rates include 60 Month IRA Jumbo at 4.28%, Term CD - 18 Month Jumbo at 4.28%, and Term CD - 60 Month Jumbo at 4.28%. MonitorBankRates evaluates the financial stability of All In Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.52%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.52%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

All In Credit Union
Operations Center

238 Virginia Ave
Daleville, AL 36322

http://www.allincu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

All In Credit Union CD Rates

Product	Rate	APY	Term
18 Month IRA Jumbo	4.20%	4.28%	18 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.28% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
60 Month IRA Jumbo	4.20%	4.28%	60 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.28% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 18 Month Jumbo	4.20%	4.28%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 60 Month Jumbo	4.20%	4.28%	60 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
12 Month IRA Jumbo	4.15%	4.23%	12 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
18 Month IRA	4.15%	4.23%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
60 Month IRA	4.15%	4.23%	60 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 12 Month Jumbo	4.15%	4.23%	12 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.23% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 18 Month	4.15%	4.23%	18 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 60 Month	4.15%	4.23%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.23% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
12 Month IRA	4.10%	4.18%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 12 Month	4.10%	4.18%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.18% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
24 Month IRA Jumbo	4.05%	4.13%	24 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87% Oct 10, 20264.13%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
36 Month IRA Jumbo	4.05%	4.13%	36 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87% Oct 10, 20264.13%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
48 Month IRA Jumbo	4.05%	4.13%	48 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92% Oct 10, 20264.13%▲ from 3.92% Sep 14, 20263.92%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 24 Month Jumbo	4.05%	4.13%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 36 Month Jumbo	4.05%	4.13%	36 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 48 Month Jumbo	4.05%	4.13%	48 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
6 Month IRA Jumbo	4.05%	4.12%	6 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.12% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 6 Month Jumbo	4.05%	4.12%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.12% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 12 Month Variable	4.08%	4.08%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Variable rate; penalty equals 6 months of dividends; rate based on 1 Year T Bill rate less 50 basis points, adjusted monthly, not below 1.00% APR or above 8.00% APR; additional deposits allowed at any time. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.08% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
24 Month IRA	4.00%	4.07%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82% Oct 10, 20264.07%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
36 Month IRA	4.00%	4.07%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82% Oct 10, 20264.07%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
48 Month IRA	4.00%	4.07%	48 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87% Oct 10, 20264.07%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
6 Month IRA	4.00%	4.07%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 24 Month	4.00%	4.07%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82% Oct 10, 20264.07%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 36 Month	4.00%	4.07%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82% Oct 10, 20264.07%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 48 Month	4.00%	4.07%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87% Oct 10, 20264.07%▲ from 3.87% Sep 14, 20263.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 6 Month	4.00%	4.07%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
3 Month IRA Jumbo	3.65%	3.71%	3 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
9 Month IRA Jumbo	3.65%	3.71%	9 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 3 Month Jumbo	3.65%	3.71%	3 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 9 Month Jumbo	3.65%	3.71%	9 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo certificate; One time penalty-free withdrawal on 9 month share certificates only; Certificates require a minimum deposit. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
3 Month IRA	3.60%	3.66%	3 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
9 Month IRA	3.60%	3.66%	9 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 12 Month Smart Start	3.60%	3.66%	12 Month
Min Deposit $25 Min Balance $25 Details Smart Start; Additional funds may be added at any time. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 3 Month	3.60%	3.66%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Term Certificate - 9 Month	3.60%	3.66%	9 Month
Min Deposit $1,000 Min Balance $1,000 Details One time penalty-free withdrawal on 9 month share certificates only; Certificates require a minimum deposit. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Savings Rates

Product	Rate	APY
PFA Savings Rate	3.88%	3.88%
Min Balance $150,000 Details Balance: $150,000 and over; Preferred Financial Advisor savings account; monthly rates beginning 10/01/2026; rate based on FHLB borrowing rate less 0.25%; account eligibility requires meeting with an All In Credit Union Preferred Financial Advisor Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.62% → 3.88% ▲ 0.26 pts · high 3.88% / low 3.62% Oct 1, 20263.88%▲ from 3.62% Sep 18, 20263.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Christmas Club	1.20%	1.21%
Details Quarterly rates beginning 10/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
PFA Savings Rate	0.65%	0.65%
Min Balance $0 Details Balance: $0.01-$149,999.99; Preferred Financial Advisor savings account; monthly rates beginning 10/01/2026; rate based on FHLB borrowing rate less 0.25%; account eligibility requires meeting with an All In Credit Union Preferred Financial Advisor Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Share Account	0.65%	0.65%
Details Quarterly rates beginning 10/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Money Market Rates

Product	Rate	APY
Money Market Access	1.65%	1.66%
Min Balance $175,000 Details Balance: $175,000 and over; Anticipated monthly rates beginning 10/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Money Market Access	1.45%	1.46%
Min Balance $50,000 Details Balance: $50,000 - $174,999.99; Anticipated monthly rates beginning 10/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Money Market Access	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Anticipated monthly rates beginning 10/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Money Market Access	1.10%	1.11%
Min Balance $0 Details Balance: $0.01 - $24,999.99; Anticipated monthly rates beginning 10/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.05%	1.05%
Min Balance $250,001 Details Balance: $250,001 and above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Business Money Market	0.90%	0.90%
Min Balance $25,001 Details Balance: $25,001 - $250,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Business Money Market	0.55%	0.55%
Details Balance: $25,000 or less Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Business Checking Rates

Product	Rate	APY
Business Premium Checking	0.10%	0.10%
Min Balance $50,001 Details Balance: $50,001 and above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Business Premium Checking	0.05%	0.05%
Min Balance $10,001 Details Balance: $10,001 to $50,000 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	6.50%	10 year
Details Term: 10 year draw + 12 year repayment; As Low As; Home Equity Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 1, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Home Equity HELOC - 10 Year	-	-	8.00%	10 year
Details Term: 10 year draw + 12 year repayment; As Low As; Home Equity Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 1, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Home Equity HELOC - Investment Property	-	-	8.00%	10 year
Details Term: 10 year draw + 12 year repayment; As Low As; Home Equity Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 1, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Home Equity Loan	-	-	8.00%	15 years
Details As Low As; Home Equity Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 1, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Autos (2021-2027)	-	-	4.99%	36 months
Details As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
New or Used Autos (2021-2027)	-	-	5.49%	48 months
Details As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
New or Used Autos (2021-2027)	-	-	5.99%	60 months
Details As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
New or Used Autos (2021-2027)	-	-	6.24%	72 months
Details As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Used Autos (2020 & older)	-	-	6.24%	36 months
Details As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Used Autos (2020 & older)	-	-	6.74%	48 months
Details As Low As; Rate based on credit score and loan-to-value; 2017 and older max term 48 months; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
New or Used Autos (2021-2027)	-	-	6.99%	90 months
Details As Low As; Rate based on credit score and loan-to-value; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Used Autos (2020 & older)	-	-	7.74%	60 months
Details As Low As; Rate based on credit score and loan-to-value; 2017 and older max term 48 months; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Used Autos (2020 & older)	-	-	8.49%	72 months
Details As Low As; Rate based on credit score and loan-to-value; 2017 and older max term 48 months; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Used Autos (2020 & older)	-	-	9.24%	90 months
Details As Low As; Rate based on credit score and loan-to-value; 2017 and older max term 48 months; Offer good with approved credit for loans new to All In CU Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats and Recreational Vehicles - New Loan	-	8.74%	72 months
Details As Low As; Loan amount: $10,000 or less Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - Used Loan	-	8.74%	72 months
Details As Low As; Loan amount: $10,000 or less; Rate based on credit score and loan-to-value ratio Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - New Loan	-	8.99%	120 months
Details As Low As; Loan amount: $10,001 to $20,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - Used Loan	-	8.99%	120 months
Details As Low As; Loan amount: $10,001 to $20,000; Rate based on credit score and loan-to-value ratio Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - New Loan	-	9.49%	144 months
Details As Low As; Loan amount: $20,001 to $35,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - Used Loan	-	9.49%	144 months
Details As Low As; Loan amount: $20,001 to $35,000; Rate based on credit score and loan-to-value ratio Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - New Loan	-	10.24%	180 months
Details As Low As; Loan amount: $35,001 and over Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - Used Loan	-	10.24%	180 months
Details As Low As; Loan amount: $35,001 and over; Rate based on credit score and loan-to-value ratio Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	-	10.24%	60 months
Details As Low As; Loan amount: $15,000 or less Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - New Loan	-	10.74%	240 months
Details As Low As; Loan amount: $100,000 and over Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Boats and Recreational Vehicles - Used Loan	-	10.74%	240 months
Details As Low As; Loan amount: $100,000 and over; Rate based on credit score and loan-to-value ratio Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	-	10.74%	72 months
Details As Low As; Loan amount: $15,001 and over Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	-	12.24%	60 months
Details As Low As; Other Secured Collateral Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 10.24% → 12.24% ▲ 2.00 pts · high 12.24% / low 10.24% Oct 14, 202612.24%▲ from 10.24% Sep 14, 202610.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	-	12.74%	48 months
Details As Low As; Other Secured Collateral Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 12.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Credit Card Rates

Product	Rate	APR
Platinum MasterCard	-	9.99%
Details As Low As; Terms: Revolving Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
CU Rewards Platinum MasterCard	-	11.99%
Details As Low As; Terms: Revolving Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Secured Rewards Platinum MasterCard	-	14.99%
Details As Low As; Terms: Revolving Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 14.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Personal Loan Rates

Product	APR	Term
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	10.24%	60 months
Details As Low As; Loan amount: $15,000 or less Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	10.74%	72 months
Details As Low As; Loan amount: $15,001 and over Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	12.24%	60 months
Details As Low As; Other Secured Collateral Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 10.24% → 12.24% ▲ 2.00 pts · high 12.24% / low 10.24% Oct 14, 202612.24%▲ from 10.24% Sep 14, 202610.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Motorcycles / Personal Watercraft / ATVs - New & Used Loan	12.74%	48 months
Details As Low As; Other Secured Collateral Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 12.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%
Open-end Line of Credit and Unsecured Loans	14.99%	up to 60 months
Details As Low As; DPR=0.02737% (LOC only) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

All In Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Accumulation	1.50%	-	1.51%
Details Quarterly rates beginning 10/01/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.52%

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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Financial Health History

All In Credit Union’s Texas Ratio rose from 6.14% in Q3 2023 to 11.52% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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
June 30, 2026	$3.7B	11.52%	5.0	A
March 31, 2026	$3.7B	11.40%	5.0	A
December 31, 2025	$3.6B	12.74%	5.0	A
September 30, 2025	$3.6B	10.02%	5.0	A
June 30, 2025	$3.6B	8.60%	5.0	A
March 31, 2025	$3.5B	8.48%	5.0	A
December 31, 2024	$3.4B	9.31%	5.0	A
September 30, 2024	$3.3B	7.33%	5.0	A
June 30, 2024	$3.3B	6.03%	5.0	A
March 31, 2024	$3.3B	6.60%	5.0	A
December 31, 2023	$3.1B	7.83%	5.0	A
September 30, 2023	$3.0B	6.14%	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 All In 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 All In 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 All In Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name All In Credit Union

Website http://www.allincu.com

Address 238 Virginia Ave, Daleville, AL 36322

Phone 334-598-4411

Fax 334-598-1147

President Charles Mingus

CEO Robert Michael

Full-Time Employees 479

Part-Time Employees 30

Branch Locations 44

ATM Locations 44

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.52%

Return on Assets (ROA)

0.5783%

Return on Equity (ROE)

5.7211%

Non-Performing Loans Ratio (NPL)

1.76%

Total Assets

3,734,698,959

Total Amount of Shares and Deposits

3,264,068,264

Total Shares and Deposits < 1 Year

2,715,586,347

Total Shares and Deposits 1 3 Years

486,916,103

Total Shares and Deposits > 3 Years

61,565,815

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

428,974,833

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

569,989,993

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

2,694,078,271

Total Interest Expense (Sum of items 6 8)

45,543,357

Share Certificates

33,968

Number of Accounts for Share Drafts

110,354

IRA KEOGH Accounts

6,876

Number of Accounts for Regular Shares

230,975

Non Member Deposits

Money Market Shares

12,271

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

21,596,515

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)

296,411,900

Total Liabilities

3,390,952,253

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

All In Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About All In Credit Union

How many branches does All In Credit Union operate?

All In 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 All In Credit Union?

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

Does All In Credit Union offer online and mobile banking?

Most modern institutions like All In 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: http://www.allincu.com.

Current All In Credit Union Rates

12-Month CD3.66%
18-Month CD4.23%
24-Month CD4.07%
60-Month CD4.23%
Savings3.88%
MMA1.66%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

All In Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

All In Credit Union Texas Ratio

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

All In Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About All In Credit Union

How many branches does All In Credit Union operate?

Is a member application needed to join All In Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does All In Credit Union offer online and mobile banking?

Current All In Credit Union Rates

Compare to Other Credit Unions