AOD Federal Credit Union

Overview / Commentary
12 Elm St
Oxford, AL 36203

AOD Federal Credit Union is headquartered in Oxford and is the 16th largest credit union in the state of Alabama. It is also the 783rd largest credit union in the nation. It was established in 1950 and as of September of 2023, it had grown to 81 employees and 37,478 members at 7 locations. AOD Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in AOD Federal Credit Union is open to 61 underserved census tracks within ten Alabama counties. Military and civilian employees and contractors who work at the Anniston Army Depot, active or retired members of the armed forces living in select counties in northeast Alabama, employees of the U.S.D.A. Soil Conservation Service Area 2 in Alabama, and other select groups are eligible for membership.
See current membership details

Reviews (2)

Not With This Person, ATTITUDE

When I went in the office to help me out with my statement - balance to match... that person just ATTITUDE!!!! I explain it’s clearly… she just act like she don’t understand what I talk about it. She just wants to be attitude! I am member of 6 years; had no problem and they were helpful but not today! I am not really appreciated!

Rude, Condescending, Unhelpful

Do not join this institution. Banking services are rarely given to people


Health Grade Components

NCUA #6680
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD1.82%
Return on Equity - YTD18.61%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$435.4MM$425.4MM
LoansQ3 2023vs Q3 2022$232.8MM$207.4MM
DepositsQ3 2023vs Q3 2022$394.8MM$386.5MM
Equity CapitalQ3 2023vs Q3 2022$42.3MM$36.2MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.2MM$2.5MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$604K$664K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

AOD Federal Credit Union Savings Account Rates

0.50%*-$50kKasasa Saver
OTHER TIERS: 0.25% $50k+
0.25%$25-Primary Share Saving Account
0.15%$25-Secondary Savings Account
0.15%$25-Kids Club
0.15%$25-Christmas Club
0.15%$25-IRA Club

AOD Federal Credit Union Checking Account Rates

2.50%*-$20kKasasa Cash
OTHER TIERS: 0.25% $20k+
0.15%$500-Plus Checking

AOD Federal Credit Union CD Rates

0.49%$1k-60 Month CD
0.46%$1k-48 Month CD
0.39%$1k-36 Month CD
0.23%$1k-24 Month CD
0.12%$500-12 Month CD
0.10%$500-6 Month CD

AOD Federal Credit Union IRA Rates

0.49%$2k-60 Month IRA
0.46%$2k-48 Month IRA
0.39%$2k-36 Month IRA
0.12%$2k-18 Month IRA

AOD Federal Credit Union Locations
Branch Office334 Victory DriveBynum, AL 36253
Branch Office216 Greenbrier Dear RdAnniston, AL 36207-6610
Branch Office150 Bill Robison PkwyAnniston, AL 36206-2623
Branch Office7 Frankford Ave Bldg 141 Anniston Army DepotAnniston, AL 36201-4199
Branch Office12 Elm StOxford, AL 36203
Branch Office1060 JD & L Dr SWJacksonville, AL 36265
Branch Office275 Vaughn SpurPell City, AL 35128-8000

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