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 148th largest credit union in the nation. It was established in 1966 and as of June of 2023, it had grown to 404 employees and 171,908 members at 32 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
12/2 - All In CU Drops Smart CD Add-On Rate
10/13 - Increase To 18&24 Month Cd Rates
9/5 - All In Credit Union Nationally Available 12-Month Add-On CD Has Top Rate
9/1 - All In Credit Union Raises Rate On 12 Month Add-On Certificate
8/19 - All In Credit Union Has Rate-Leading No Penalty CD And 18-Month CD
8/12 - Rates That Make You Smile!
8/4 - All In CU Back Over 5%
4/1 - All In...All Gone!
3/9 - All In Credit Union Has Nationally Available Rate-Leading 5-Year CD
2/8 - Great CD Rates Over 5% APY Terms - If You Qualify for Membership.
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 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
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.
Data as of Q2 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 17642 |
| Year Chartered | 1966 |
| Employees | 404 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.83% |
| Return on Equity - YTD | 10.02% |
| Annual Interest Income | $74.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $2.92B$2.22B |
| Loans | Q2 2023vs Q2 2022 | $2.29B$1.59B |
| Deposits | Q2 2023vs Q2 2022 | $2.34B$1.99B |
| Equity Capital | Q2 2023vs Q2 2022 | $237.0MM$215.1MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $24.1MM$16.0MM |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $16.7MM$7.1MM |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |
