Avadian Credit Union


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 373rd largest credit union in the nation. It was established in 1934 and as of December of 2021, it had grown to 244 employees and 86,080 members at 17 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, Montgomery, 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

Related Posts

5-Year Rising Rate CD, 1.50% APY (Blended) - 11/27/2021

This is being advertised as a Black Friday Special, but nothing is mentioned about when it ends. The 5-year Rising Rate CD has a blended rate of 1.50% APY. Year 1: 0.98% Year 2: 1.24% Year 3: 1.49% Year 4: 1.74% Year 5: 2.00%

Avadian Rocks!!

Posted by: |

We have used Avadian/Alabama Telco for a veryyyyy long time. Amazing team - love everything about this bank. When I ever have any issues they are very quick in helping us to figure it out.

Avadian Goes The Extra Mile

Posted by: |

Originally I had not left good reviews about this bank, but they have gone above and beyond to correct all issues. We have decided to remain at this bank because we have been here for a very long time and they have remedied everything. Thank you Avadian for coming through for us!

Montgomery Location Is Inconvenient

Posted by: |

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.

Horrible Place To Do Banking Business! 0Stars

What a horrible place to do banking.
I had a car loan, credit card, checking and savings with this company for about 3 years. I would advise everyone to stay far far away. If I could give zero stars I would.
Keep looking this isn’t the place to trust financially.
They doubled my car loan payments 3 times for cpi insurance when I never had a gap in coverage. Then locked my checking account because I had direct deposit and would not unlocked it until they had stolen all of the money they claimed I owed. Finally I terminated all business dealings with them. If this has happened to anyone else I have documented proof and I’m willing to join in on any class action lawsuits. Contact me.
Be blessed!

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Health

Health Grade Components

Overall
NCUA #68583
Year Chartered1934
Employees244
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD7.63%
Annual Interest Income$31.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.11B$1.04B
LoansQ4 2021vs Q4 2020$718.4MM$605.5MM
DepositsQ4 2021vs Q4 2020$1.00B$931.7MM
Equity CapitalQ4 2021vs Q4 2020$87.3MM$90.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$3.5MM$3.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$694.00K$994.00K
Real Estate OwnedQ4 2021vs Q4 2020$727.00K$1.4MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Avadian Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.40%*$75k*-IRA Share
OTHER TIERS: 0.10% Up to $2.5k | 0.20% $2.5k - $25k | 0.30% $25k - $75k
0.25%--Health Savings Account
0.20%*$75k*-Business Savings Accounts
OTHER TIERS: 0.05% $100 - $25k | 0.10% $25k - $75k
0.10%*$25k*-Savings Account
OTHER TIERS: 0.05% $100 - $25k
0.10%*$25k*-Christmas Club
OTHER TIERS: 0.05% $100 - $25k
0.10%*$25k*-U Name It Savings
OTHER TIERS: 0.05% $100 - $25k
0.10%*$25k*-Kids Savings School
OTHER TIERS: 0.05% $100 - $25k
0.10%*$25k*-Edge Savings
OTHER TIERS: 0.05% $100 - $25k

Avadian Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$250k*-Premium Money Market
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.20%*$100k*-Money Market Account
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.20%*$100k*-Business Money Market
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k | 0.15% $50k - $100k

Avadian Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Choice Checking with Interest
0.05%$2.5k-Business Choice Checking with Interest

Avadian Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$1k-60 Month CD
1.60%$1k-Business 60 Month CD
1.60%$1k-60 Month CD Special
1.50%$5k-5 Year Rising Rate CD Special
1.50%$5k-Business 5 Year Rising Rate CD
1.00%$1k-36-47 Month CD - Step Up
1.00%$1k-36 Month CD - Step Up-Special
0.75%$5k-3 Year Rising Rate CD Special
0.65%$1k-48-59 Month CD
0.65%$1k-60 Month CD - Step Up
0.65%$1k-Business 48-59 Month CD
0.55%$1k-48-59 Month CD - Step Up
0.50%$1k-18-23 Month CD - Step Up
0.50%$1k-36-47 Month CD
0.50%$1k-Business 36-47 Month CD
0.50%$1k-18 Month CD - Step Up-Special
0.35%$1k-24-35 Month CD
0.35%$1k-Business 24-35 Month CD
0.25%$1k-18-23 Month CD
0.25%$1k-24-35 Month CD - Step Up
0.25%$1k-Business 12-17 Month CD
0.25%$1k-Business 18-23 Month CD
0.15%$500-12 Month Save Up CD
0.10%$1k-3-5 Month CD
0.10%$1k-6-11 Month CD
0.10%$1k-Business 3-5 Month CD
0.10%$1k-Business 6-11 Month CD

Avadian Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$1k-60 Month IRA
1.60%$1k-60 Month IRA Special
1.50%$5k-5 Year Rising Rate IRA Special
1.00%$1k-36 - 47 Month IRA - Step Up
1.00%$1k-36 Month IRA - Step Up-Special
0.75%$5k-3 Year Rising Rate IRA Special
0.65%$1k-48 - 59 Month IRA
0.65%$1k-60 Month IRA - Step Up
0.55%$1k-48 - 59 Month IRA - Step Up
0.50%$1k-18 - 23 Month IRA - Step Up
0.50%$1k-36 - 47 Month IRA
0.35%$1k-24 - 35 Month IRA
0.25%$1k-18 - 23 Month IRA
0.25%$1k-24 - 35 Month IRA - Step Up
0.10%$1k-3 - 5 Month IRA
0.10%$1k-6 - 11 Month IRA
Locations

Availability



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