Featured Savings Rates
Featured Accounts

Alba-Golden Federal Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
903-765-2425
140 Broadway St
Alba, TX 75410

Alba-Golden Federal Credit Union is headquartered in Alba and is the 322nd largest credit union in the state of Texas. It is also the 4,083rd largest credit union in the nation. It was established in 1960 and as of December of 2015, it had grown to 2 employees and 1,350 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

To Become a Member you Must: Live, Work or Worship in Alba, Emory, Golden, Mineola or Quitman or be a relative to an existing member.
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.

thanks

kim wolfe

CHANGE PERSONNEL

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.



Health
B+
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

Overall
NCUA #13655
Year Chartered1960
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD2.19%
Return on Equity - YTD13.82%
Annual Interest Income$587.00K
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$11.9MM$10.8MM
LoansQ4 2015vs Q4 2014$7.2MM$7.2MM
DepositsQ4 2015vs Q4 2014$10.0MM$8.9MM
Equity CapitalQ4 2015vs Q4 2014$1.9MM$1.6MM
Loan Loss AllowanceQ4 2015vs Q4 2014$37.00K$84.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$15.00K$91.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$0
Rates
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Alba-Golden Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%--Share Account

Alba-Golden Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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