Alabama Teachers Credit Union

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nHanced Checking

Overview / Commentary

256-543-7040

702 Walnut St
Gadsden, AL 35901

Alabama Teachers Credit Union is headquartered in Gadsden and is the 15^th largest credit union in the state of Alabama. It is also the 729^th largest credit union in the nation. It was established in 1959 and as of March of 2021, it had grown to 79 employees and 28,550 members at 6 locations. Alabama Teachers Credit Union has an A+ health rating.

Field of Membership Restrictions

Alabama Teachers Credit Union is open to those who live, work, or attend school in the Alabama counties of Calhoun, Cherokee, DeKalb, Etowah, or Marshall. Family members (related by blood or marriage) of existing credit union members are also eligible to join.
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Related Posts

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2013

3/26 - Competitive Reward Checking at Alabama Teachers Credit Union - Local Only

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Health

A+

Data as of Q1 2021

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Health Grade Components

Overall
NCUA #	67252
Year Chartered	1959
Employees	79
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	5.18%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$444.8MM$360.0MM
Loans	Q1 2021vs Q1 2020	$284.2MM$262.2MM
Deposits	Q1 2021vs Q1 2020	$394.8MM$313.3MM
Equity Capital	Q1 2021vs Q1 2020	$46.4MM$44.0MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$3.1MM$3.1MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$737.00K$1.9MM
Real Estate Owned	Q1 2021vs Q1 2020	$13.00K$393.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alabama Teachers Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$5k	-	Synced Club
0.20%	$5k	-	Generation Next Club
0.20%	$5k	-	Savasaurus Club
0.20%	$5k	-	Regular Share Savings
0.15%	$5	-	Variable Rate IRA
0.10%	$5	-	Special Club

Alabama Teachers Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$20k^*	-	Money Market Account
OTHER TIERS: 0.15% → $1k - $10k \| 0.25% → $10k - $20k

Alabama Teachers Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$15k	nHanced Checking
OTHER TIERS: 0.25% → $15k+

Alabama Teachers Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.85%	$1k	-	60 Month Share Certificate
0.85%	$300	-	60 Month Savasaurus Club Certificate
0.85%	$300	-	60 Month Generation Next Club Certificate
0.85%	$300	-	60 Month Synced Club Certificate
0.75%	$1k	-	48 Month Share Certificate
0.75%	$300	-	48 Month Savasaurus Club Certificate
0.75%	$300	-	48 Month Generation Next Club Certificate
0.75%	$300	-	48 Month Synced Club Certificate
0.65%	$1k	-	36 Month Share Certificate
0.65%	$300	-	36 Month Savasaurus Club Certificate
0.65%	$300	-	36 Month Generation Next Club Certificate
0.65%	$300	-	36 Month Synced Club Certificate
0.55%	$1k	-	24 Month Share Certificate
0.55%	$300	-	24 Month Savasaurus Club Certificate
0.55%	$300	-	24 Month Generation Next Club Certificate
0.55%	$300	-	24 Month Synced Club Certificate
0.35%	$1k	-	12 Month Share Certificate
0.35%	$300	-	12 Month Savasaurus Club Certificate
0.35%	$300	-	12 Month Generation Next Club Certificate
0.35%	$300	-	12 Month Synced Club Certificate
0.20%	$1k	-	6 Month Share Certificate
0.20%	$300	-	6 Month Savasaurus Club Certificate
0.20%	$300	-	6 Month Generation Next Club Certificate
0.20%	$300	-	6 Month Synced Club Certificate

Alabama Teachers Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.85%	$1k	-	60 Month IRA Share Certificate
0.65%	$1k	-	36 Month IRA Share Certificate
0.35%	$1k	-	12 Month IRA Share Certificate

Locations

Alabama Teachers Credit Union Locations
Branch Office	1008 Portwood Dr	Albertville, AL 35951-7316
Branch Office	1440 Chesnut Byp	Centre, AL 35960-2815
Branch Office	702 Walnut St	Gadsden, AL 35901
Branch Office	1209 Snow St Ste A	Oxford, AL 36203-1294
Branch Office	700 Gault Ave S	Fort Payne, AL 35967-1628
Branch Office	230 US Highway 431	Anniston, AL 36206-2120

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