All In Credit Union (AL)


Overview / Commentary
334-598-4411
238 Virginia Ave PO Drawer 8
Daleville, AL 36322

All In Credit Union (AL) is headquartered in Daleville and is the 3rd largest credit union in the state of Alabama. It is also the 141st largest credit union in the nation. It was established in 1966 and as of March of 2024, it had grown to 427 employees and 183,843 members at 34 locations. All In Credit Union (AL)'s CD rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in All In Credit Union is open to: (1) all U.S. citizens/residents aliens who belong to the Fort Rucker/Wiregrass Chapter of the Association of United States Army (AUSA); (2) those who live, work, worship, attend school or volunteer in Walton County, Florida; (3) those who live, work, attend school or worship in Crenshaw or Pike Counties in Alabama; (4) those who live, work, attend school or worship in select areas of Coffee, Mobile, Covington, or Houston Counties in Alabama; (5) active duty, civilians, and retirees attached to Fort Rucker, Alabama or in the Mobile Bay area; (6) employees, members, and students of any of more than 800 civilian businesses and organizations; (7) family of current All In Credit Union members or employees.
See current membership details

Related Posts

All In CU Drops Rates Yet Again - 12/21/2023

The regular 12 Month Smart CD has now fallen from 5.75% to 5.59% over the past month and yet again this AM to 5.27%. The 18 Month regular CD dropped from 5.69% to 5.33% this AM. The 24 Month regular CD dropped from 5.48% to  5.12%. Several other terms moved south as well.

All In CU Drops Smart CD Add-On Rate - 12/2/2023

12 Month Smart CD add-on rate drops from 5.75% to 5.59%. https://allincu.com/rates/share-rates.html

Increase To 18&24 Month Cd Rates - 10/13/2023

New rates for 18 & 24 Month CD Rates for 1000 minimum deposit 18 Month - 5.64 APY 24 Month - 5.48 APY

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No Major Complaints So Far. The APY Is Worth It.

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I wanted to open a 12 mo. jumbo CD with an APY of 5.85%. In order to do so, you first must open a savings account. I think its $100 minimum. There is an application, of course. In order to be entitled to open an account you have to be affiliated with an entity on a drop down menu. How they would ever know whether you were affiliated with one of these entities I don't know. There was one entry labeled "Donation Account". Nothing else seemed to apply to me, so I picked that one. They use Plaid to verify your external account. I'm not fond of Plaid, but I have used it before, and nobody stole my money, so OK.
Got that done. Now how do I open a CD? The process is not all that intuitive. First Log-in, then click on the Save tab on the home page, and then click on Share/IRA Certificate. You then, in essence, apply again. However the application auto-fills the data you previously provided with your first account. Once again, you have to go through Plaid. Why, I don't know. Once you have finished with the application process, barring some issue the C.R. might have with you, your CD account is established.
The money is pulled from your external account within a couple of days. I will say my CD account showed my full balance from the moment the account was approved even though the C.R. had yet to pull my money from the external account.

Easy Opening And Good CD Rates

I recently opened A 12 Month CD with unlimited add on with a 5.75% APYI received a call from a representative 3 days after applying and was able to fund by credit card. I also found out that you can open multiple 12 Month CD's so if the rate remains at 5.75%, I will open another 12 Month CD to extend the time I will receive the 5.75% rate. No problem linking accounts for external transfers and have used shared banking to deposit funds rather than a wire transfer to save the wire fee. I received interest rate from the day they received the deposit - a two day hold on withdrawal was applied. So far so good with this credit union.

Easy Membership Enrollment For Out-Of-State Applicants

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Enrollment without any associations to the membership eligibility list involved selecting “none of the above, please reach out to me” option which is located at the end of the list of eligible associations. The balance of the on-line application was straight forward. Assuming your application is accepted at the end of the on-line enrollment process, you can use the “Check Status of Application” function to verify a conditional approval along with a note stating you will be contacted within 24 to 48 hours, in my case I contacted the CU after waiting 72 hours. Once I connected to one of their MSRs it was just a 10-to-15-minute process to complete the membership/savings account application. I was required to make a one-time $20 donation to the Army Aviation Museum Foundation along with $5 to fund the savings account and a one-time $1 membership fee.

The next day I wired funds to open a jumbo CD account, once received I was able to open the account quickly.

Their operating policy requires customers to open a checking account with a minimum deposit of $25 to enable their outbound ACH external transfer option; inbound transfers sent from other financial institutions are unrestricted.

As for credit checks, it is my understanding they do a soft pull using Equifax. My credit history is frozen at the big three reporting agencies and I did not have to remove the freeze.

Customer service is outstanding. They are very knowledgeable and responsive. They may be overwhelmed for some period of time given their current rate-leading 5-year CD rates.

All In Credit Union - Mobile Check Deposit

Posted by: |

I tested the mobile check deposit feature at All In Credit Union today. Submitted a check for $500 (says maximum is $10K) to Savings this morning and the funds showed up in the account several hours later. I then transferred the $500 to my Add-on Smart CD. Efficient!

VIEW MORE REVIEWS

Health
B+

Health Grade Components

Overall
NCUA #17642
Year Chartered1966
Employees427
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD12.3%
Annual Interest Income$49.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.3B$2.81B
LoansQ1 2024vs Q1 2023$2.46B$2.14B
DepositsQ1 2024vs Q1 2023$2.81B$2.29B
Equity CapitalQ1 2024vs Q1 2023$253.3MM$236.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$33.2MM$21.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$22.5MM$14MM
Real Estate OwnedQ1 2024vs Q1 2023$81K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not All In Credit Union (AL); 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.

All In Credit Union (AL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.32%*$150k*-PFA Savings
OTHER TIERS: 0.80% $0 - $150k
1.56%$0-IRA Accumulation
1.31%$0-Christmas Club
0.80%$0-Share Account

All In Credit Union (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%*$175k*-Money Market Access
OTHER TIERS: 1.16% $0 - $25k | 1.31% $25k - $50k | 1.51% $50k - $175k
1.05%*$250k*-Business Money Market
OTHER TIERS: 0.55% $0 - $25k | 0.90% $25k - $250k

All In Credit Union (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Business Premium Checking
OTHER TIERS: 0.05% $10k - $50k

All In Credit Union (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.96%$100k-12 Month Jumbo CD
4.90%$25-12 Month Smart Start CD
4.80%$100k-18 Month Jumbo CD
4.75%$1k-18 Month CD
4.68%$1k-12 Month Variable CD
4.59%$100k-6 Month Jumbo CD
4.54%$1k-6 Month CD
4.23%$100k-9 Month Jumbo CD (w/ One Penalty-Free Withdrawal)
4.18%$1k-9 Month CD (w/ One Penalty-Free Withdrawal)
4.18%$100k-24 Month Jumbo CD
4.13%$1k-24 Month CD
4.13%$100k-3 Month Jumbo CD
4.07%$1k-3 Month CD
3.71%$100k-36 Month Jumbo CD
3.66%$1k-36 Month CD
3.66%$100k-48 Month Jumbo CD
3.61%$1k-48 Month CD
3.61%$100k-60 Month Jumbo CD
3.56%$1k-60 Month CD

All In Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.96%$100k-12 Month Jumbo IRA
4.90%$1k-12 Month IRA
4.80%$100k-18 Month Jumbo IRA
4.75%$1k-18 Month IRA
4.59%$100k-6 Month Jumbo IRA
4.54%$1k-6 Month IRA
4.23%$100k-9 Month Jumbo IRA (w/ One Penalty-Free Withdrawal)
4.18%$100k-24 Month Jumbo IRA
4.18%$1k-9 Month IRA (w/ One Penalty-Free Withdrawal)
4.13%$1k-24 Month IRA
4.13%$100k-3 Month Jumbo IRA
4.07%$1k-3 Month IRA
3.71%$100k-36 Month Jumbo IRA
3.66%$1k-36 Month IRA
3.66%$100k-48 Month Jumbo IRA
3.61%$1k-48 Month IRA
3.61%$100k-60 Month Jumbo IRA
3.56%$1k-60 Month IRA
Locations

Availability

Dothan Area

Interactive local rates map


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