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 806th largest credit union in the nation. It was established in 1950 and as of March of 2024, it had grown to 82 employees and 37,494 members at 7 locations. AOD Federal Credit Union's CD rates are 4X the national average, and it 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 (1)

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 - YTD1.23%
Return on Equity - YTD11.11%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$434.6MM$425.1MM
LoansQ1 2024vs Q1 2023$230.5MM$215.7MM
DepositsQ1 2024vs Q1 2023$395.3MM$379.6MM
Equity CapitalQ1 2024vs Q1 2023$48.3MM$41.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.4MM$2.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$525K$465K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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AOD Federal Credit Union Savings Account Rates

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

0.15%$500-Plus Checking

AOD Federal Credit Union CD Rates

5.00%$500-6 Month CD Special
4.00%$500-12 Month CD Special
3.50%$1k-18 Month CD Special
0.49%$1k-60 Month CD
0.46%$1k-48 Month CD
0.39%$1k-36 Month CD
0.23%$1k-24 Month CD

AOD Federal Credit Union IRA Rates

3.50%$2k-18 Month IRA
0.49%$2k-60 Month IRA
0.46%$2k-48 Month IRA
0.39%$2k-36 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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