Family Savings Credit Union


Overview / Commentary
256-543-9530
711 E Meighan Blvd
Gadsden, AL 35903

Family Savings Credit Union is headquartered in Rainbow City and is the 11th largest credit union in the state of Alabama. It is also the 425th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 285 employees and 77,364 members at 14 locations. Family Savings Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Family Savings Credit Union is open to those who live, work, worship, attend school, or regularly conduct business in the Alabama counties of Blount, Calhoun, Cherokee, Cleburne, Cullman, DeKalb, Etowah, Jackson, Madison, Marshall, Morgan, St. Clair, or Talladega. Individuals who live or work in the Georgia counties of Bartow, Carroll, Catoosa, Chattooga, Cherokee, Cobb, Dade, Douglas, Floyd, Gordon, Haralson, Murray, Paulding, Polk, Whitfield, or Walker also qualify for membership.
See current membership details

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Health
B+

Health Grade Components

Overall
NCUA #68628
Year Chartered1951
Employees285
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.95%
Annual Interest Income$15.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.09B$1B
LoansQ1 2025vs Q1 2024$896.1MM$790.4MM
DepositsQ1 2025vs Q1 2024$929.6MM$843MM
Equity CapitalQ1 2025vs Q1 2024$91.5MM$84.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.8MM$5.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9MM$7.3MM
Real Estate OwnedQ1 2025vs Q1 2024$527K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Family Savings Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$0$25kNGAGE Savings
OTHER TIERS: 0.70% $25k+
0.30%*$10k*-Regular Share Savings
OTHER TIERS: 0.20% $2k - $10k
0.20%$1-Christmas Club Account

Family Savings Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$25kNGAGE Checking
OTHER TIERS: 1.00% $25k+
0.10%$10k-Member's Choice Checking
0.10%$10k-Freedom Checking
0.10%$10k- Cha-Ching Teen Checking

Family Savings Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-180 Day CD
4.00%$500-12 Month CD
4.00%$500-60 Month CD
3.75%$500-24 Month CD
3.75%$500-48 Month CD
3.75%$500-18 Month CD
3.70%$500-36 Month CD

Family Savings Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-180 Day IRA
4.00%$500-12 Month IRA
4.00%$500-60 Month IRA
3.75%$500-24 Month IRA
3.75%$500-48 Month IRA
3.75%$500-18 Month IRA
3.70%$500-36 Month IRA
0.45%*$10k*-IRA Share Account
OTHER TIERS: 0.15% $0 - $2k | 0.35% $2k - $10k
Locations

Availability

Birmingham Area

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