What are the current interest rates at EAST ALABAMA COMMUNITY?

Current rates for EAST ALABAMA COMMUNITY include: 12-Month CD: 1.51%, 24-Month CD: 1.61%, Savings: 0.25%

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EAST ALABAMA COMMUNITY

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EAST ALABAMA COMMUNITY Rates & Review September 2026

Q: How many branches does EAST ALABAMA COMMUNITY operate?

EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY?

Yes, to access services at EAST ALABAMA COMMUNITY, 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, EAST ALABAMA COMMUNITY 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, EAST ALABAMA COMMUNITY 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: September 3, 2026

EAST ALABAMA COMMUNITY's 36 Month Regular CD rates are at 1.66%, 24 Month Regular CD rates are at 1.61%, 12 Month Regular CD rates are at 1.51%, 6 Month Regular CD rates are at 0.85%. EAST ALABAMA COMMUNITY's savings rates are at 0.25%. EAST ALABAMA COMMUNITY's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of EAST ALABAMA COMMUNITY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/03/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

EAST ALABAMA COMMUNITY
EAC FCU

2420 PEPPERELL PKWY
OPELIKA, AL 36801-6257

http://www.eamcfcu.com

EAST ALABAMA COMMUNITY CD Rates

Product	Rate	APY	Term
36 Month Regular Certificate	1.65%	1.66%	36 months
Min Deposit $1,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month Regular Certificate	1.60%	1.61%	24 months
Min Deposit $1,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Regular Certificate	1.50%	1.51%	12 months
Min Deposit $1,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Regular Certificate	0.85%	0.85%	6 months
Min Deposit $1,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

EAST ALABAMA COMMUNITY Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Kids Smart Start Savings	0.25%	0.25%
Min Balance $0 Details Balances up to $2000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Share and Vacation Club	0.25%	0.25%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

EAST ALABAMA COMMUNITY Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loan	-	-	3.25%
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

EAST ALABAMA COMMUNITY Credit Card Rates

Product	Rate	APR	View More
VISA Credit Cards and VISA Secured Credit Cards	-	8.90%
Details As Low As; Max amount of $15,000.00 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

EAST ALABAMA COMMUNITY Personal Loan Rates

Product	APR	Term	View More
Signature Loan	7.99%
Details As Low As; Max amount of $20,000.00 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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

EAST ALABAMA COMMUNITY’s Texas Ratio stayed near 0.28% in Q2 2023 to 0.00% in Q1 2026, so its financial health has stayed very strong 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 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	$21M	0.00%	5.0	A+
December 31, 2025	$20M	0.37%	5.0	A+
September 30, 2025	$21M	0.00%	5.0	A+
June 30, 2025	$20M	0.07%	5.0	A+
March 31, 2025	$20M	0.00%	5.0	A+
December 31, 2024	$20M	0.00%	5.0	A+
September 30, 2024	$20M	0.21%	5.0	A+
June 30, 2024	$20M	0.09%	5.0	A+
March 31, 2024	$20M	0.64%	5.0	A+
December 31, 2023	$21M	0.00%	5.0	A+
September 30, 2023	$21M	0.00%	5.0	A+
June 30, 2023	$20M	0.28%	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 EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name EAST ALABAMA COMMUNITY

Website http://www.eamcfcu.com

Address 2420 PEPPERELL PKWY, OPELIKA, AL 36801-6257

Phone 334-364-2850

Fax 334-364-2855

President JEANNIE EDDINS

CEO Kristin Sturges

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 3

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+ (100/100)

Texas Ratio

0.00%

Return on Assets (ROA)

0.1050%

Return on Equity (ROE)

0.7512%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

21,001,284

Total Amount of Shares and Deposits

17,999,304

Total Shares and Deposits < 1 Year

17,999,304

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

341,359

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

341,359

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

17,657,945

Total Interest Expense (Sum of items 6 8)

14,738

Share Certificates

Number of Accounts for Share Drafts

1,740

Number of Accounts for Regular Shares

3,740

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)

1,960,058

Total Liabilities

18,065,379

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

EAST ALABAMA COMMUNITY 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.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About EAST ALABAMA COMMUNITY

How many branches does EAST ALABAMA COMMUNITY operate?

EAST ALABAMA COMMUNITY 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 EAST ALABAMA COMMUNITY?

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

Does EAST ALABAMA COMMUNITY offer online and mobile banking?

Most modern institutions like EAST ALABAMA COMMUNITY 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.eamcfcu.com.