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Overview / Commentary
205-985-2828
1 Riverchase Pkwy S
Hoover, AL 35244

Avadian Credit Union is headquartered in Hoover and is the 8th largest credit union in the state of Alabama. It is also the 388th largest credit union in the nation. It was established in 1934 and as of March of 2018, it had grown to 211 employees and 79,436 members at 19 locations. Avadian Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Avadian Credit Union is open to those who live, work, attend school or worship in Autauga, Baldwin, Blount, Calhoun, Cherokee, Coffee, Colbert, Cullman, Dallas, DeKalb, Elmore, Etowah, Geneva, Houston, Jackson, Jefferson, Lauderdale, Lawrence, Lee, Limestone, Madison, Marion, Marshall, Mobile, Morgan, Pike, Randolph, Shelby, St. Clair, Talladega, Tuscaloosa, Walker or Winston Counties in Alabama. Membership is also open to employees of Charter Communications, Gulf Telephone Company, and over 200 statewide Select Employer Groups.
See current membership details

Greate Except For Holding Funds

Typical credit union for the most part. Friendly service in the one Madison County location.

My only complaint is that check deposits have a 2-day hold for amounts over $200. I also had a $15,000 check subject to a 7-day hold. (Not sure what the threshold is for the longer holding). Direct deposits and paychecks are not subject to holding.

I understand a need for this at some level, but I've had the account for more than a year with dozens of paper check deposits and not a single one has bounced. The tellers keep telling me that the holding will eventually stop but they can't tell me when.

Montgomery Location Is Inconvenient

Posted by: duncan | May 15, 2013

I have been banking with Alabama Telco for years, originally opening my account in Trussville, north of Birmingham. I was pleased with my service in the Trussville location. They had a sign in the drive-through requesting customers to have their deposits ready when using drive-through services. Since moving to Montgomery, I have had to use the Atlanta Highway location. It is inconveniently located, and the drive-through takes forever. Customers sit in their car and fill out their deposit slips while at the window, and there is usually only one window open. Needless to say, I wish I could take my business elsewhere, but let's face it all the larger banks are unfriendly (I have done business with Regions and Compass). The drive-through is definitely not an express service.

Worst Credit Union Ever...

Posted by: adams484 | Mar 16, 2018

I started out with them when they were ALTELCO and it was difficult to deal with since Avadian it has gotten worst. They act like it is a privilege to keep your money in their bank. Take your hat off and stand against the wall while we frisk you before you can enter. They treat their customer like criminals no matter how many years you are with them.

Worst Credit Union I’Ve Ever Dealt With

This credit union has been impossible to work with. They are difficult to do ANYTHING with. Even paying credit card bills with them is a hassle. If you happen to get someone on the phone, nobody has any clue what they are doing, they will quickly transfer you off to someone else who will waste more of your time and transfer you again. Very rude, and had no sort of customer service attitude either. I would never recommend this place to anyone after my experience.

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Health

Health Grade Components

Overall
NCUA #68583
Year Chartered1934
Employees211
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.41%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$771.5MM$756.0MM
LoansQ1 2018vs Q1 2017$531.5MM$479.5MM
DepositsQ1 2018vs Q1 2017$690.2MM$671.0MM
Equity CapitalQ1 2018vs Q1 2017$74.8MM$70.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$3.4MM$2.9MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.8MM$2.7MM
Real Estate OwnedQ1 2018vs Q1 2017$569.00K$1.5MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Avadian Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%--Centsible Savings
0.70%*$75k*-IRA Share
OTHER TIERS: 0.15% Up to $2,500 | 0.25% $2,500 - $25k | 0.55% $25k - $75k
0.50%--Health Savings Account
0.40%*$75k*-Savings Account
OTHER TIERS: 0.05% $100 - $2,500 | 0.10% $2,500 - $25k | 0.30% $25k - $75k
0.40%*$75k*-Christmas Club
OTHER TIERS: 0.05% $100 - $2,500 | 0.10% $2,500 - $25k | 0.30% $25k - $75k
0.40%*$75k*-Business Savings Accounts
OTHER TIERS: 0.05% $100 - $2,500 | 0.10% $2,500 - $25k | 0.30% $25k - $75k

Avadian Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Premium Money Market
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.40% $50k - $100k
0.40%*$100k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.35% $50k - $100k
0.40%*$100k*-Business Money Market
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.35% $50k - $100k

Avadian Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2,500-Choice Checking with Interest
0.15%$2,500-Business Choice Checking with Interest

Avadian Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-60 Month CD
2.75%$1k-Business 60 Month CD
2.50%$1k-60 Month CD - Step Up
2.50%$5k-5 Year Rising Rate CD
2.50%$5k-Business 5 Year Rising Rate CD
2.10%$5k-3 Year Rising Rate CD
2.00%$1k-18 Month CD Special
1.85%$1k-48-59 Month CD
1.85%$1k-Business 48-59 Month CD
1.80%$1k-36-47 Month CD
1.80%$1k-48-59 Month CD - Step Up
1.80%$1k-Business 36-47 Month CD
1.75%$1k-36-47 Month CD - Step Up
1.10%$1k-18 Month Prime Tracker CD
1.05%$1k-24-35 Month CD
1.05%$1k-Business 24-35 Month CD
1.00%$1k-18-23 Month CD
1.00%$1k-24-35 Month CD - Step Up
1.00%$1k-Business 18-23 Month CD
0.95%$1k-18-23 Month CD - Step Up
0.90%$1k-12-17 Month CD
0.90%$1k-Business 12-17 Month CD
0.70%$500-12 Month Save Up CD
0.50%$1k-6-11 Month CD
0.50%$1k-Business 6-11 Month CD
0.25%$1k-3-5 Month CD
0.25%$1k-Business 3-5 Month CD

Avadian Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-60 Month IRA
2.75%$1k-60 Month CESA
2.50%$1k-60 Month IRA - Step Up
2.50%$5k-5 Year Rising Rate IRA
2.10%$5k-3 Year Rising Rate IRA
2.00%$1k-18 Month IRA Special
1.85%$1k-48 - 59 Month IRA
1.80%$1k-36 - 47 Month IRA
1.80%$1k-48 - 59 Month IRA - Step Up
1.75%$1k-36 - 47 Month IRA - Step Up
1.10%$1k-18 Month Prime Tracker IRA
1.05%$1k-24 - 35 Month IRA
1.00%$1k-18 - 23 Month IRA
1.00%$1k-24 - 35 Month IRA - Step Up
0.95%$1k-18 - 23 Month IRA - Step Up
0.90%$1k-12 - 17 Month IRA
0.50%$1k-6 - 11 Month IRA
0.25%$1k-3 - 5 Month IRA
Locations

Availability



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