Avadian Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.30%	5-year CD	3.10% - Barclays 60 Month Online CD
1.40%	1-year CD	2.75% - Barclays 12 Month Online CD
0.50%	Savings	0.27% - National Average

View all Avadian Credit Union rates »

Overview / Commentary

www.avadiancu.com

205-985-2828

1 Riverchase Pkwy S
Hoover, AL 35244

Avadian Credit Union is headquartered in Hoover and is the 8^th largest credit union in the state of Alabama. It is also the 383^rd largest credit union in the nation. It was established in 1934 and as of December of 2018, it had grown to 227 employees and 81,466 members at 18 locations. Avadian Credit Union's money market rates are 82% higher than the national average, and it 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

Reviews (10)

Featured Account Options

Greate Except For Holding Funds

Posted by: danroberts81 | Dec 27, 2013

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.

Comment

BAD BUSINESS

Posted by: sylviafolks1 | Jan 9, 2019

POOR CUSTOMER SERVICE STARTING WITH THE MANAGER!

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.

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Health

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68583
Year Chartered	1934
Employees	227
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	7.26%
Annual Interest Income	$29.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$787.6MM$747.4MM
Loans	Q4 2018vs Q4 2017	$569.0MM$500.6MM
Deposits	Q4 2018vs Q4 2017	$702.8MM$667.7MM
Equity Capital	Q4 2018vs Q4 2017	$80.6MM$73.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$3.4MM$3.3MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$3.4MM$2.3MM
Real Estate Owned	Q4 2018vs Q4 2017	$210.00K$918.00K

Rates

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Money Market
Checking
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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

APY	MIN	MAX	ACCOUNT NAME
5.00%	-	-	Centsible Savings
1.20%^*	$75k^*	-	Christmas Club
OTHER TIERS: 0.70% → $100 - $2.5k \| 0.90% → $2.5k - $25k \| 1.05% → $25k - $75k
1.20%^*	$75k^*	-	IRA Share
OTHER TIERS: 0.70% → Up to $2.5k \| 0.90% → $2.5k - $25k \| 1.05% → $25k - $75k
0.50%	$5	-	Health Savings Account
0.50%^*	$75k^*	-	Savings Account
OTHER TIERS: 0.15% → $100 - $2.5k \| 0.20% → $2.5k - $25k \| 0.40% → $25k - $75k
0.50%^*	$75k^*	-	Business Savings Accounts
OTHER TIERS: 0.15% → $100 - $2.5k \| 0.20% → $2.5k - $25k \| 0.40% → $25k - $75k

Avadian Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$100k^*	-	Premium Money Market
OTHER TIERS: 0.30% → Up to $10k \| 0.45% → $10k - $25k \| 0.55% → $25k - $50k \| 0.75% → $50k - $100k
0.60%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.20% → $2.5k - $10k \| 0.30% → $10k - $25k \| 0.40% → $25k - $50k \| 0.50% → $50k - $100k
0.60%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.20% → $2.5k - $10k \| 0.30% → $10k - $25k \| 0.40% → $25k - $50k \| 0.50% → $50k - $100k

Avadian Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$2.5k	-	Choice Checking with Interest
0.15%	$2.5k	-	Business Choice Checking with Interest

Avadian Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$1k	-	58 Month CD Special
2.55%	$1k	-	60 Month CD
2.55%	$1k	-	Business 60 Month CD
2.50%	$1k	-	48 Month Rate Mover CD
2.40%	$1k	-	21 Month CD Special - New Money
2.30%	$1k	-	60 Month CD - Step Up
2.20%	$1k	-	13 Month CD Special - New Money
2.10%	$1k	-	48-59 Month CD
2.10%	$1k	-	Business 48-59 Month CD
2.00%	$1k	-	36-47 Month CD
2.00%	$1k	-	Business 36-47 Month CD
2.00%	$1k	-	18 Month Rate Mover CD
1.85%	$1k	-	48-59 Month CD - Step Up
1.75%	$1k	-	24-35 Month CD
1.75%	$1k	-	36-47 Month CD - Step Up
1.75%	$1k	-	Business 24-35 Month CD
1.65%	$1k	-	18-23 Month CD
1.65%	$1k	-	24-35 Month CD - Step Up
1.65%	$1k	-	Business 18-23 Month CD
1.55%	$1k	-	18-23 Month CD - Step Up
1.50%	$1k	-	12-17 Month CD
1.50%	$1k	-	Business 12-17 Month CD
1.40%	$500	-	12 Month Save Up CD
0.60%	$1k	-	6-11 Month CD
0.60%	$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

APY	MIN	MAX	ACCOUNT NAME
2.75%	$1k	-	58 Month IRA Special
2.55%	$1k	-	60 Month IRA
2.55%	$1k	-	60 Month CESA
2.50%	$1k	-	48 Month Rate Mover IRA
2.40%	$1k	-	21 Month IRA Special - New Money
2.30%	$1k	-	60 Month IRA - Step Up
2.20%	-	-	13 Month IRA Special - New Money
2.10%	$1k	-	48 - 59 Month IRA
2.00%	$1k	-	36 - 47 Month IRA
2.00%	$1k	-	18 Month Rate Mover IRA
1.85%	$1k	-	48 - 59 Month IRA - Step Up
1.75%	$1k	-	24 - 35 Month IRA
1.75%	$1k	-	36 - 47 Month IRA - Step Up
1.65%	$1k	-	18 - 23 Month IRA
1.65%	$1k	-	24 - 35 Month IRA - Step Up
1.55%	$1k	-	18 - 23 Month IRA - Step Up
1.50%	$1k	-	12 - 17 Month IRA
0.60%	$1k	-	6 - 11 Month IRA
0.25%	$1k	-	3 - 5 Month IRA

Locations

Availability

Birmingham Area

Birmingham Area bank & credit union details

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