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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 787th largest credit union in the nation. It was established in 1950 and as of June of 2016, it had grown to 78 employees and 32,408 members at 6 locations. AOD Federal Credit Union has 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 Grade Components

NCUA #6680
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD4.93%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$279.8MM$270.2MM
LoansQ2 2016vs Q2 2015$136.9MM$127.7MM
DepositsQ2 2016vs Q2 2015$239.5MM$232.3MM
Equity CapitalQ2 2016vs Q2 2015$38.2MM$36.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$715.00K$720.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$302.00K$594.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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AOD Federal Credit Union Savings Account Rates

0.25%$25-Share Savings Account
0.25%$25-Secondary Savings Account
0.25%$25-Kids Club
0.25%$25-Christmas Club
0.25%$100-IRA Club
0.25%$100-Educational IRA Club

AOD Federal Credit Union Checking Account Rates

0.15%$500-Plus Checking

AOD Federal Credit Union CD Rates

1.20%$1k-60 Month CD
0.95%$1k-36 Month CD
0.85%$1k-48 Month CD
0.60%$1k-12 Month CD
0.60%$1k-24 Month CD
0.30%$500-6 Month CD

AOD Federal Credit Union IRA Rates

1.20%$2k-60 Month IRA
0.95%$2k-36 Month IRA
0.85%$2k-48 Month IRA
0.50%$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