AOD Federal Credit Union is headquartered in Oxford and is the 17th largest credit union in the state of Alabama. It is also the 786th largest credit union in the nation. It was established in 1950 and as of September of 2019, it had grown to 81 employees and 33,966 members at 6 locations. AOD Federal Credit Union's CD rates are 20% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
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
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!
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 6680 |
| Year Chartered | 1950 |
| Employees | 81 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.79% |
| Return on Equity - YTD | 5.63% |
| Annual Interest Income | $7.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2019vs Q3 2018 | $320.5MM$299.6MM |
| Loans | Q3 2019vs Q3 2018 | $172.7MM$174.1MM |
| Deposits | Q3 2019vs Q3 2018 | $273.0MM$262.7MM |
| Equity Capital | Q3 2019vs Q3 2018 | $44.9MM$39.7MM |
| Loan Loss Allowance | Q3 2019vs Q3 2018 | $2.5MM$1.3MM |
| Unbacked Noncurrent Loans | Q3 2019vs Q3 2018 | $857.00K$914.00K |
| Real Estate Owned | Q3 2019vs Q3 2018 | $0$0 |