All In Credit Union (AL)

Overview / Commentary
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 145th largest credit union in the nation. It was established in 1966 and as of September of 2023, it had grown to 402 employees and 173,864 members at 32 locations. All In Credit Union (AL) 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 Credit Union 9-Month No Penalty CD Remains Competitive - 1/4/2024

All In Credit Union (easy membership) 9-month No Penalty CD ($1k) and Jumbo CD ($100k) continue to offer near market-leading APYs. One penalty-free withdrawal allowed.

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 Credit Union 18-Month Jumbo CD Has Market-Leading Rate - 12/5/2023

All In Credit Union (easy membership) has upped its 18-month Jumbo CD APY to a rate-leading level. $100k minimum opening deposit, with no stated balance cap.

View all posts from:

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

Posted by: |

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.

Review From An Experienced Banking/CU Customer

Based on my KYC experience with All In, I cancelled my membership application. Their new account person wasn't familiar with how my state's DL looks (cross-hatching around the photo, to prevent fake licenses.) Because of this, they required a second ID form (not a utility bill) that I don't carry with me. They also insisted that I lift a credit freeze, which couldn't be done until I receive a letter by snail mail.
If this were the first online bank or CU account that I had ever tried to open, I could put it down to customer inexperience on my part. But it isn't my first or tenth.
My advice to potential customers is keep in mind that you can find competitive interest rates which may be less of a challenge during the application process. Your mileage may vary, and let's hope that it does.

Nothing Is In

Posted by: |

This Credit Union is the kind to avoid!
The CU is using the same loan application(credit, insurance, membership, deposit) for all kind of accounts opened through any channel(online, phone, branch).
Every application comes with QualiFile ChexSyatems Inquiry, even if the application from established member or for the change of the Account term when CD matures!



Health Grade Components

NCUA #17642
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD11.17%
Annual Interest Income$117.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$2.98B$2.41B
LoansQ3 2023vs Q3 2022$2.38B$1.79B
DepositsQ3 2023vs Q3 2022$2.42B$1.96B
Equity CapitalQ3 2023vs Q3 2022$238.9MM$211.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$24.3MM$17.9MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$19.6MM$8.2MM
Real Estate OwnedQ3 2023vs Q3 2022$81K$106K

Rates for All In Credit Union (AL) are currently being reviewed.



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