In appreciation of its members, All In Credit Union (All In) has added a 53-month Special CD, which earns 3.00% APY. This limited-time offering is available now through December 2, 2019. The minimum opening deposit is $1k of new money, which is defined as simply as funds “not currently on deposit with All In Credit Union.” The fine print on the landing page states that funds from renewing Share and IRA Term Certificates can be used if requested.
According to the landing page, although the stated effective dates are November 25 through December 2,
All In Credit Union reserves the right to end or modify this offer at any time.
This is a limited offer and can expire at any time without notice.
As stated in the Agreements and Disclosures document, the Early Withdrawal Penalty reads as follows
If the term of this certificate is more than one year, the forfeiture is
an amount equal to three months’ dividends, whether earned or not.
I wrote about the All In 60-month CD last May when its APY was an excellent 3.34%. Even though the rate has dropped to 3.03% APY, it’s still quite competitive. The minimum opening deposit is $1k, with no stated balance cap. The 60-month CD is also offered as a Jumbo CD ($100k minimum), with a slightly higher 3.09% APY.
The 60-month CDs are also available as IRAs (Traditional, Roth), earning the same APYs with the same funding requirements.
Headquartered in Daleville, Alabama, All In Credit Union (formerly the Army Aviation Center Federal Credit Union) has a varied field of membership (FOM).
Residency: Individuals who live, work, worship, or attend school in Crenshaw or Pike Counties or in most areas of Coffee, Covington, Houston, or Mobile Counties in Alabama are eligible to join, as are those who live, work, worship, or attend school in Walton County, Florida
Military Relationship: Active duty military, civilians, and retirees attached to Fort Rucker or the US Coast Guard Aviation Training Center in Mobile, Alabama also qualify for membership. More military groups (including the National Guard or Reserves in the Alabama counties of Barbour, Coffee, Covington, Crenshaw, Dale, Geneva, Henry, Houston, and Pike, and the Florida counties of Holmes and Washington) are stated on the online application.
SEGs: Employees of more than 800 civilian businesses and organizations (listed on the online application) are membership eligible.
Personal Relationship: Immediate family members and household members of current All In members or employees are welcome to apply.
Joining All In can be done online, or at any of 22 Alabama branches located in Andalusia, Daleville (2), Dothan (5), Enterprise (3), Fort Rucker, Midland City, Mobile (5), Opp, Ozark (2), and Troy. There are also four Florida branches located in Crestview, Defuniak Springs, Marianna, and Santa Rosa Beach.
Opening a CD can be done at of the above-mentioned branches or by phone (800.448.4096).
A Regular Savings account ($5 minimum) is required to establish an All In membership, along with a $1 one-time membership fee.
All In participates in the CO-OP Shared Branching network. giving members world-wide access.
We have 5,000 branch offices at Credit Union Service Center
locations nationally and in six foreign countries to serve you.
Credit Union Overview
All In Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 3.67% (excellent) based on June 30, 2019 data. In the past year, All In has increased its total non-brokered deposits by $107.74 million, an excellent annual growth rate of 9.92%. Please refer to our financial overview of All In Credit Union (NCUA Charter # 17642) for more details.
About six months ago, the Army Aviation Center Federal Credit Union re-branded as All In Credit Union. Established in 1966, the original FOM included the servicemen (and their families) stationed at Fort Rucker in Alabama. (Fort Rucker is the primary flight training installation for the U.S. Army Aviators and home to the United States Army Aviation Center of Excellence.)
We chose the name "All In" as a tribute to the commitment and sacrifice made
by every soldier who defends our country and knows what it means to be "All In."
All In Credit Union is currently the fifth largest credit union in Alabama, with more than 122,400 members and assets in excess of $1.3 billion.
How the Special CD Compares
When compared to the similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, All In Credit Union's 53-month Special CD APY currently ranks first.
|Interest Rate||CD Length of Term||Credit Union/Bank|
|3.00% APY||53-Month Special CD||All In Credit Union|
|2.70% APY||48-Month CD||Pen Air Federal Credit Union|
|2.60% APY||48-Month Promotional CD||Credit Union of the Rockies|
How the CD Compares
When compared to the similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM, All In Credit Union's 60-month Jumbo CD APY currently ranks first, regardless of minimum deposit requirements.
|Interest Rate||CD Length of Term||Credit Union/Bank|
|3.09% APY||60-Month Jumbo CD ($100k min)||All In Credit Union|
|3.03% APY||60-Month CD ($1k min)||All In Credit Union|
|2.95% APY||60-Month CD ($500 min)||Pen Air Federal Credit Union|
|2.88% APY||60-Month Certificate ($500 min)||State Department Federal Credit Union|
The above rates are accurate as of 11/25/2019.
Looking for the best CD rates, either nationwide or state specific? Please refer to DepositAccounts.com’s CD Rates Table.