Alabama Telco Credit Union

1849 Data Drive
Hoover, AL 35244
205-985-2828
www.alatelco.org

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Alabama Telco Credit Union is headquartered in Birmingham and is the 7^th largest credit union in the state of Alabama. It is also the 338^th largest credit union in the nation. It was established in 1934 and as of September of 2011, it had grown to 156 employees and 53,743 members. Alabama Telco Credit Union's savings rates are 6X the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Alabama Telco Credit Union Checking Account Rates

Apy	Min	Max	Product
0.75%	-	-	Health Savings Account
0.15%	$1k	-	Choice Checking with Interest

Alabama Telco Credit Union Savings Account Rates

Apy	Min	Max	Product
3.00%	-	-	Centsible Savings
1.05%	$75k	-	IRA Share
1.05%	$75k	-	Roth IRA Share
1.05%	$75k	-	CESA Share
0.60%	$75k	-	Savings Account
0.60%	$75k	-	Christmas Club

Alabama Telco Credit Union Money Market Rates

Apy	Min	Max	Product
0.65%	$50k	-	Premium Money Market
0.55%	$100k	-	Money Market Account

Alabama Telco Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$5k	-	5 Year Rising Rate CD
1.45%	$1k	-	60 Month CD
1.40%	$5k	-	54 Month CD
1.30%	$1k	-	48 - 59 Month CD
1.30%	$1k	-	60 Month CD - Step Up
1.20%	$1k	-	48 - 59 Month CD - Step Up
1.00%	$1k	-	36 - 47 Month CD
0.85%	$1k	-	36 - 47 Month CD - Step Up
0.75%	$1k	-	24 - 35 Month CD
0.65%	$1k	-	18 - 23 Month CD
0.65%	$1k	-	24 - 35 Month CD - Step Up
0.60%	$1k	-	18 Month Prime Tracker CD
0.55%	$1k	-	12 - 17 Month CD
0.55%	$1k	-	18 - 23 Month CD - Step Up
0.35%	$1k	-	6 - 11 Month CD
0.25%	$1k	-	3 - 5 Month CD

Alabama Telco Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$5k	-	5 Year Rising Rate CESA
1.50%	$5k	-	5 Year Rising Rate IRA
1.50%	$5k	-	5 Year Rising Rate Roth IRA
1.45%	$1k	-	60 Month IRA
1.45%	$1k	-	60 Month Roth IRA
1.45%	$1k	-	60 Month CESA
1.40%	$5k	-	54 Month IRA
1.40%	$5k	-	54 Month Roth IRA
1.40%	$5k	-	54 Month CESA
1.30%	$1k	-	48 - 59 Month IRA
1.30%	$1k	-	60 Month IRA - Step Up
1.30%	$1k	-	48 - 59 Month Roth IRA
1.30%	$1k	-	60 Month Roth IRA - Step Up
1.30%	$1k	-	48 - 59 Month CESA
1.20%	$1k	-	48 - 59 Month IRA - Step Up
1.20%	$1k	-	48 - 59 Month Roth IRA - Step Up
1.20%	$1k	-	48 - 59 Month CESA - Step Up
1.00%	$1k	-	36 - 47 Month IRA
1.00%	$1k	-	36 - 47 Month Roth IRA
1.00%	$1k	-	36 - 47 Month CESA
0.85%	$1k	-	36 - 47 Month IRA - Step Up
0.85%	$1k	-	36 - 47 Month Roth IRA - Step Up
0.85%	$1k	-	36 - 47 Month CESA - Step Up
0.75%	$1k	-	24 - 35 Month IRA
0.75%	$1k	-	24 - 35 Month Roth IRA
0.75%	$1k	-	24 - 35 Month CESA
0.65%	$1k	-	18 - 23 Month IRA
0.65%	$1k	-	24 - 35 Month IRA - Step Up
0.65%	$1k	-	18 - 23 Month Roth IRA
0.65%	$1k	-	24 - 35 Month Roth IRA - Step Up
0.65%	$1k	-	18 - 23 Month CESA
0.65%	$1k	-	24 - 35 Month CESA - Step Up
0.60%	$1k	-	18 Month Prime Tracker IRA
0.60%	$1k	-	18 Month Prime Tracker Roth IRA
0.60%	$1k	-	18 Month Prime Tracker CESA
0.55%	$1k	-	12 - 17 Month IRA
0.55%	$1k	-	18 - 23 Month IRA - Step Up
0.55%	$1k	-	12 - 17 Month Roth IRA
0.55%	$1k	-	18 - 23 Month Roth IRA - Step Up
0.55%	$1k	-	12 - 17 Month CESA
0.55%	$1k	-	18 - 23 Month CESA - Step Up
0.35%	$1k	-	6 - 11 Month IRA
0.35%	$1k	-	6 - 11 Month Roth IRA
0.35%	$1k	-	6 - 11 Month CESA
0.25%	$1k	-	3 - 5 Month IRA
0.25%	$1k	-	3 - 5 Months Roth IRA
0.25%	$1k	-	3 - 5 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

ALABAMA TELCO
NCUA #	68583
BankRate Report	View
Year Established	1934
Employees	156
Primary Regulator
Assets and Liabilities
Assets	$567.25 million
Loans	$327.93 million
Deposits	$506.98 million
Equity Capital	$57.44 million
Loan Loss Allowance	$2.80 million
Unbacked Noncurrent Loans	$1.52 million
Real Estate Owned	$67,000
Historic Data - September 2010
Assets	$513.25 million
Equity Capital	$53.00 million
Loan Loss Allowance	$2.65 million
Unbacked Noncurrent Loans	$3.37 million
Real Estate Owned	$58,000
Profit Margin - Quarterly
Net Interest Margin	4.73%
Return on Assets	0.49%
Return on Equity	4.81%
Interest Income	$18.27 million
Non-Interest Income	$6.84 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Alabama Telco Credit Union had $1.59 million in non-current loans and owned real-estate with $60.24 million in equity and loan loss allowances on hand to cover it. This gives Alabama Telco Credit Union a Texas Ratio of 2.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Alabama Telco Credit Union decreased significantly from 6.16% as of September 30, 2010 to 2.64% as of September 30, 2011, resulting in a positive change of 57.15%.This indicates that the balance sheet and financial strength for Alabama Telco Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Alabama Telco Credit Union has increased its total deposits by $54.24 million, resulting in 11.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alabama Telco Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alabama Telco Credit Union has $567.25 million in assets with $60.24 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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