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Alabama Teachers Credit Union


Overview / Commentary
www.atcu.com
256-543-7040
702 Walnut St
Gadsden, AL 35901

Alabama Teachers Credit Union is headquartered in Gadsden and is the 15th largest credit union in the state of Alabama. It is also the 758th largest credit union in the nation. It was established in 1959 and as of December of 2019, it had grown to 78 employees and 26,881 members at 6 locations. Alabama Teachers Credit Union's money market rates are 25% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Alabama Teachers Credit Union is open to residents, employees, or enrolled students in the following Alabama Counties; Etowah, Calhoun, DeKalb, Marshall, or Cherokee. Family of existing credit union members are also eligible to join.
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Health
A+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #67252
Year Chartered1959
Employees78
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD7.24%
Annual Interest Income$12.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$343.8MM$302.8MM
LoansQ4 2019vs Q4 2018$258.0MM$244.1MM
DepositsQ4 2019vs Q4 2018$297.7MM$260.6MM
Equity CapitalQ4 2019vs Q4 2018$43.2MM$39.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$3.1MM$2.9MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.0MM$1.9MM
Real Estate OwnedQ4 2019vs Q4 2018$273.00K$708.00K
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$5k-Synced Club
0.25%$5k-Generation Next Club
0.25%$5k-Savasaurus Club
0.25%$5k-Regular Share Savings
0.15%$5-Variable Rate IRA
0.10%$5-Special Club

Alabama Teachers Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$20k*-Money Market Account
OTHER TIERS: 0.30% → $1k - $10k | 0.45% → $10k - $20k

Alabama Teachers Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$15knHanced Checking
OTHER TIERS: 0.25% → $15k+

Alabama Teachers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%$1k-60 Month Share Certificate
1.61%$300-60 Month Savasaurus Club Certificate
1.61%$300-60 Month Generation Next Club Certificate
1.61%$300-60 Month Synced Club Certificate
1.51%$1k-48 Month Share Certificate
1.51%$300-48 Month Savasaurus Club Certificate
1.51%$300-48 Month Generation Next Club Certificate
1.51%$300-48 Month Synced Club Certificate
1.36%$1k-36 Month Share Certificate
1.36%$300-36 Month Savasaurus Club Certificate
1.36%$300-36 Month Generation Next Club Certificate
1.36%$300-36 Month Synced Club Certificate
1.21%$1k-24 Month Share Certificate
1.21%$300-24 Month Savasaurus Club Certificate
1.21%$300-24 Month Generation Next Club Certificate
1.21%$300-24 Month Synced Club Certificate
1.01%$1k-12 Month Share Certificate
1.01%$300-12 Month Savasaurus Club Certificate
1.01%$300-12 Month Generation Next Club Certificate
1.01%$300-12 Month Synced Club Certificate
0.80%$1k-6 Month Share Certificate
0.80%$300-6 Month Savasaurus Club Certificate
0.80%$300-6 Month Generation Next Club Certificate
0.80%$300-6 Month Synced Club Certificate

Alabama Teachers Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%$1k-60 Month IRA Share Certificate
1.36%$1k-36 Month IRA Share Certificate
1.01%$1k-12 Month IRA Share Certificate
Locations


Alabama Teachers Credit Union Locations
Branch Office1008 Portwood DrAlbertville, AL 35951-7316
Branch Office1440 Chesnut BypCentre, AL 35960-2815
Branch Office702 Walnut StGadsden, AL 35901
Branch Office1209 Snow St Ste AOxford, AL 36203-1294
Branch Office700 Gault Ave SFort Payne, AL 35967-1628
Branch Office230 US Highway 431Anniston, AL 36206-2120

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