Overview / Commentary
256-831-4504
12 Elm St
Oxford, AL 36203

AOD Federal Credit Union is headquartered in Oxford and is the 17th largest credit union in the state of Alabama. It is also the 809th largest credit union in the nation. It was established in 1950 and as of December of 2018, it had grown to 78 employees and 33,854 members at 6 locations. AOD Federal Credit Union's CD rates are 2X 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

Reviews (1)

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
A+

Health Grade Components

Overall
NCUA #6680
Year Chartered1950
Employees78
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD5.72%
Annual Interest Income$9.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$299.9MM$289.6MM
LoansQ4 2018vs Q4 2017$174.3MM$165.9MM
DepositsQ4 2018vs Q4 2017$261.4MM$251.6MM
Equity CapitalQ4 2018vs Q4 2017$41.3MM$39.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$2.1MM$955.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$945.00K$1.4MM
Real Estate OwnedQ4 2018vs Q4 2017$30.00K$0
Rates
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AOD Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25-Primary Share Saving Account
0.25%$25-Secondary Savings Account
0.25%$25-Kids Club
0.25%$25-Christmas Club
0.25%$25-IRA Club

AOD Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$500-Plus Checking

AOD Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.01%$1k-60 Month CD
2.76%$1k-48 Month CD
2.12%$500-12 Month CD
2.00%$1k-36 Month CD
1.50%$500-6 Month CD
0.60%$1k-24 Month CD
0.50%$1k-18 Month CD

AOD Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.01%$2k-60 Month IRA
2.76%$2k-48 Month IRA
2.00%$2k-36 Month IRA
0.50%$2k-18 Month IRA
Locations


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

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