MAX Credit Union is headquartered in Montgomery and is the 5th largest credit union in the state of Alabama. It is also the 226th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 290 employees and 128,203 members at 16 locations. MAX Credit Union's money market rates are 11X the national average, and it has an A health rating.
Membership in MAX Credit Union is open to those who live, work, attend school, or worship in the Alabama counties of Autauga, Bullock, Butler, Chambers, Chilton, Coosa, Crenshaw, Dallas, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, Shelby, or Tallapoosa, or the Georgia counties of Chattahoochee, Harris, Marion, Muscogee, or Troup.
See current membership details
I've been a MAX CU member for over 25 years and an IT professional for 49 years and I have never seen such a customer facing inconvenient system upgrade! The web interface and and mobile app are unavailable from 8:30 am (CDT) Monday, June 23, 2025 until "We expect the new system to launch early afternoon on 6/23".
I cannot count the number (thousands) of customer facing upgrades I've participated in or led. All were done on nights, holidays, and weekends so that customer inconvenience was minimized. The MAX CU upgrade appears to be scheduled for the convenience of the IT vendor.
MAX CU used to have a member (customer) focus with a top rated APY interest checking account. Now they only pay a 3.04 % rate, over 1.50% APY below the leaders .
Overall | |
---|---|
NCUA # | 68575 |
Year Chartered | 1955 |
Employees | 290 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 1.13% |
Return on Equity - YTD | 10.85% |
Annual Interest Income | $24.5MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $2.24B$2.13B |
Loans | Q1 2025vs Q1 2024 | $1.17B$1.15B |
Deposits | Q1 2025vs Q1 2024 | $1.98B$1.9B |
Equity Capital | Q1 2025vs Q1 2024 | $228.2MM$181.6MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $15.4MM$15.2MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $9.4MM$9.2MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $0$63K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.15%* | $2.5k* | - | Share Account | ||
OTHER TIERS: 0.08% → $100 - $2.5k | |||||
0.15%* | $2.5k* | - | Club Accounts | ||
OTHER TIERS: 0.08% → $100 - $2.5k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
5.00%* | $0 | $2.5k | Elevate Money Market | ||
OTHER TIERS: 1.00% → $15k+ | 3.00% → $5k - $15k | 4.00% → $2.5k - $5k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
3.56% | $5 | - | 18 Month Fixed Rate IRA | |
2.53% | $5 | - | 6 Month Variable Rate IRA | |
2.53% | $5 | - | 12 Month Fixed Rate IRA | |
0.75% | $5 | - | 30 Month Fixed Rate IRA |