Alabama Central Credit Union

Overview / Commentary
3601 4th Ave S
Birmingham, AL 35222

Alabama Central Credit Union is headquartered in Birmingham and is the 27th largest credit union in the state of Alabama. It is also the 1,325th largest credit union in the nation. It was established in 1938 and as of March of 2019, it had grown to 56 employees and 17,944 members at 9 locations. Alabama Central Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Alabama Central Credit Union is open to anyone who lives, works, attends school or worships in the following counties: Wilcox, Baldwin, Washington, Bibb, Walker, Butler, Tuscaloosa, Colbert, Sumter, Conecuh, Shelby, Covington, Morgan, Crenshaw, Montgomery, Fayette, Monroe, Franklin, Mobile, Greene, Marion, Hale, Marengo, Jefferson, Lowndes, Lauderdale, Limestone, or Lawrence.
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Health Grade Components

NCUA #60712
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD8%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$142.8MM$141.7MM
LoansQ1 2019vs Q1 2018$122.6MM$114.4MM
DepositsQ1 2019vs Q1 2018$129.0MM$128.5MM
Equity CapitalQ1 2019vs Q1 2018$11.8MM$11.4MM
Loan Loss AllowanceQ1 2019vs Q1 2018$1.2MM$1.5MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.4MM$1.3MM
Real Estate OwnedQ1 2019vs Q1 2018$52.00K$1.0MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alabama Central Credit Union Savings Account Rates

0.55%*$100k*-Daily Share Account
OTHER TIERS: 0.15% $2.5k - $10k | 0.25% $10k - $50k | 0.35% $50k - $100k
0.50%--IRA Daily Share Account
0.50%--Kid Central Savings
0.35%*$2.5k*-Share Accounts
OTHER TIERS: 0.10% $100 - $2.5k
0.25%$100-Christmas Club
0.25%$100-Vacation Club

Alabama Central Credit Union Money Market Rates

0.45%*$100k*-Money Manager
OTHER TIERS: 0.15% $2.5k - $10k | 0.25% $10k - $50k | 0.35% $50k - $100k

Alabama Central Credit Union CD Rates

2.00%$500-5 Year Certificate
1.50%$500-3 Year Certificate
1.25%$500-2 Year Certificate
1.25%$500-15 Month Promotional CD
1.00%$500-12 Month Certificate
0.65%$500-6 Month Certificate

Alabama Central Credit Union IRA Rates

2.00%$250-5 Year IRA
1.50%$250-3 Year IRA
1.25%$250-2 Year IRA
1.00%$250-1 Year IRA
0.65%$250-6 Month IRA

Alabama Central Credit Union Locations
Branch Office1902 Bruin DrFlorence, AL 35630-6717
Branch Office3601 4th Ave SBirmingham, AL 35222
Branch Office797 Downtowner BlvdMobile, AL 36609-5401
Branch Office743 Avalon AveMuscle Shoals, AL 35661-2303
Branch Office13831 Highway 43Russellville, AL 35653
Branch Office3048 Finley Island Cir NWDecatur, AL 35601-8800
Branch Office250 W Oxmoor RdBirmingham, AL 35209-6315
Branch Office1665 McFarland Blvd NTuscaloosa, AL 35406
Branch Office501 E Dr Hicks Blvd Ste EFlorence, AL 35630-5742

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