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 143rd largest credit union in the nation. It was established in 1966 and as of December of 2024, it had grown to 433 employees and 193,402 members at 36 locations. All In Credit Union (AL)'s CD rates are 5X 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
No Major Complaints So Far. The APY Is Worth It.
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 Membership Enrollment For Out-Of-State Applicants
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.
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.
Unprofessional Scammers
Underhanded, Liar, Fraudulent Behavior
These are the most lying, underhanded, and untrustworthily people to work at a bank. These people have all our personal information and handle our money and will look you straight into your eyes and lie to you like it's nothing! They cover up and commit more crimes than any lesser criminal will. They're deceitful and very misleading, disrespectful. They have some very ill-bred attitudes. Customers, please check your accounts and know your rights. Don't allow Allin Credit Union to tell you anything. Contact an attorney and google your rights. Please don't sign any paperwork that these people give you without comprehending what you're reading and signing and definitely do not sign without your attorney's advice. You do have rights. Never reaffirm any loans, etc. By law you do not have to, and they can't take your property unless you default. There's a grace period between each payment. You have a right to record all your conversations in the state of Alabama without making anyone aware of the recording. Know your RIGHTS and always protect yourself!
"Ben," who works for All in, is the most underhanded and untrustworthily person and they have him working in a bank. He works at the branch located at 326 Honeysuckle Rd, Dothan, AL 36305 wouldn't give me a printout of my payments, nor balance, and tried to keep me from making my mortgage payment underhandedly so that Allin Credit Union could default on my mortgage loan with the help of "Brannon" at 2462 Montgomery Highway Dothan, Alabama 36303, who works in the bankruptcy department. Brannon also made some unprofessional comments doing their phone call. One would only expect that from the mishap of a person that he is. Unskilled bullying narcissism with no consequences from leadership. "Brannon" told 'Stephanie', who also works at the Honeysuckle branch, not to give me my balance, to make sure my balance wasn't on the receipt and to make sure it only said that I made a payment. Stephanie was repeating that he was saying word for word while I was standing there recording the conversation. I asked her who was it that was making the statement and she informed me that it was Brannon, the Allin employee from the Montgomery Highway Branch. I have no proof that my payments are subtracting from the balance. This is a underhanded practice that can be used to scam more money out of their customers. There is not that much interests, my money is supposed to be going towards the principle. I am advising anyone who has had these problems with Allin Credit Union or any other business to seek out legal counseling and file a lawsuit against these unlawful business practices.
Everything stated here is backed by evidence in the form of recordings from December 4th through December the 6th of 2024.
It is unlawful to actively prevent someone from making their payments. It violates the consumer protection laws and is often viewed as harassment through unfair business practices.
Date of experience: December 06, 2024
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 17642 |
| Year Chartered | 1966 |
| Employees | 433 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.87% |
| Return on Equity - YTD | 10.71% |
| Annual Interest Income | $207.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $3.35B$3.08B |
| Loans | Q4 2024vs Q4 2023 | $2.53B$2.41B |
| Deposits | Q4 2024vs Q4 2023 | $2.92B$2.6B |
| Equity Capital | Q4 2024vs Q4 2023 | $271.9MM$248.3MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $44.6MM$34.2MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $34.4MM$26.2MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $110K$81K |
