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Alba-Golden Federal Credit Union

Popular Accounts at this Credit Union

0.90%1-year CD1 Year Share Certificate
0.60%SavingsShare Account
1.11%2-year CD2 Year Share Certificate

Overview / Commentary
140 Broadway St
Alba, TX 75410

Alba-Golden Federal Credit Union is headquartered in Alba and is the 316th largest credit union in the state of Texas. It is also the 3,982nd largest credit union in the nation. It was established in 1960 and as of June of 2016, it had grown to 3 employees and 1,341 members at 1 location. Alba-Golden Federal Credit Union's CD rates are 34% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, worship or work in Alba, Golden, Emory, Mineola, or Quitman, Texas.
See current membership details

Reviews (2)

Great Hometown Banking

Posted by: kimwolfe | Dec 15, 2010

the personnel are very friendly and down to earth, they go above and beyond to help you.....I would reccomend this credit union to everyone.


kim wolfe


Posted by: loulou | May 24, 2016

Never have I had an issue with this credit union until upon closing my account. It has been two months and two weeks since closing my account and the remaining funds supposedly got placed in the mail. I have had to call them at least six times since then asking about receiving the check. Recently I moved & had all my mail forwarded. Received the statement showing they withdrew the funds but still no check. They reissued another check after arguing with me about paying the 35$ stop payment fee because supposedly the check was lost in the mail(who's to say they never sent a check in the first place and then they get another 35$ from me, I think not).... played the waiting game yet again for the second check until calling and be informed the second check had been returned because of the address (they failed to write down the apartment number) During this last conversation I was not once apologized to (remind you two and a half months have gone by) got hung up on and bickered at. Please change your personnel before this local credit union gets a bad rep from their current staff who don't have a clue on how to conduct business and treat customers they've received over ten grand from. If it was possible this review wouldn't have any stars.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Alba-Golden Federal Credit Union has a low asset base.

Health Grade Components

NCUA #13655
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD1.95%
Return on Equity - YTD12.17%
Annual Interest Income$306.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$12.8MM$11.2MM
LoansQ2 2016vs Q2 2015$7.5MM$7.1MM
DepositsQ2 2016vs Q2 2015$10.7MM$9.3MM
Equity CapitalQ2 2016vs Q2 2015$2.0MM$1.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$45.00K$71.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$45.00K$130.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Alba-Golden Federal Credit Union Savings Account Rates

0.60%--Share Account

Alba-Golden Federal Credit Union CD Rates

1.31%$100k-2 Year Jumbo Share Certificate
1.21%$100k-1 Year Jumbo Share Certificate
1.11%$5k$100k2 Year Share Certificate
0.90%$5k$100k1 Year Share Certificate

Alba-Golden Federal Credit Union Locations
Branch Office140 Broadway StAlba, TX 75410