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 719^th largest credit union in the nation. It was established in 1959 and as of December of 2021, it had grown to 84 employees and 29,908 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 Q4 2021

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Health Grade Components

Overall
NCUA #	67252
Year Chartered	1959
Employees	84
Primary Regulator

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	6.74%
Annual Interest Income	$12.9MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$477.5MM$415.8MM
Loans	Q4 2021vs Q4 2020	$306.3MM$282.4MM
Deposits	Q4 2021vs Q4 2020	$425.3MM$366.1MM
Equity Capital	Q4 2021vs Q4 2020	$48.4MM$46.4MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$3.5MM$3.1MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$1.5MM$1.4MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$59.00K

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
0.75%	$1k	-	60 Month Share Certificate
0.75%	$300	-	60 Month Savasaurus Club Certificate
0.75%	$300	-	60 Month Generation Next Club Certificate
0.75%	$300	-	60 Month Synced Club Certificate
0.65%	$1k	-	48 Month Share Certificate
0.65%	$300	-	48 Month Savasaurus Club Certificate
0.65%	$300	-	48 Month Generation Next Club Certificate
0.65%	$300	-	48 Month Synced Club Certificate
0.55%	$1k	-	36 Month Share Certificate
0.55%	$300	-	36 Month Savasaurus Club Certificate
0.55%	$300	-	36 Month Generation Next Club Certificate
0.55%	$300	-	36 Month Synced Club Certificate
0.45%	$1k	-	24 Month Share Certificate
0.45%	$300	-	24 Month Savasaurus Club Certificate
0.45%	$300	-	24 Month Generation Next Club Certificate
0.45%	$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
0.75%	$1k	-	60 Month IRA Share Certificate
0.55%	$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	2020 US Highway 78 E	Oxford, AL 36203-2057
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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