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MAX Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mymax.com
334-260-2600
400 Eastdale Cir
Montgomery, AL 36117

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.

Field of Membership Restrictions

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

Reviews (1)

Customer Facing Inconvenient System Upgrade

Posted by: |

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 .

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68575
Year Chartered1955
Employees290
Primary Regulator
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD10.85%
Annual Interest Income$24.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.24B$2.13B
LoansQ1 2025vs Q1 2024$1.17B$1.15B
DepositsQ1 2025vs Q1 2024$1.98B$1.9B
Equity CapitalQ1 2025vs Q1 2024$228.2MM$181.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$15.4MM$15.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9.4MM$9.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$63K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MAX Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW 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

MAX Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$2.5kElevate Money Market
OTHER TIERS: 1.00% → $15k+ | 3.00% → $5k - $15k | 4.00% → $2.5k - $5k

MAX Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$1$15kAchieve Checking - Qualifying
OTHER TIERS: 0.25% → $15k+
0.15%$0-Perform Checking
0.15%*$50k*-Business Aspire+
OTHER TIERS: 0.05% → $10k - $25k | 0.10% → $25k - $50k
0.15%$0-Business MAXI CHECK
0.15%$0-Non Profit MAXI CHECK

MAX Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$10k-7 Month Share Certificate
4.00%$10k-Business 7 Month Share Certificate
3.55%$500-18 Month Share Certificate
3.50%$100k-18 Month Jumbo Share Certificate
2.52%$500-12 Month Share Certificate
2.52%$500-24 Month Share Certificate
2.52%$500-36 Month Share Certificate
2.52%$500-60 Month Share Certificate
2.52%$500-48 Month Share Certificate
2.52%$10k-39 Month Smart Bump Up Share Certificate
2.50%$100k-6 Month Jumbo Share Certificate
2.50%$100k-12 Month Jumbo Share Certificate
2.50%$100k-24 Month Jumbo Share Certificate
2.50%$100k-36 Month Jumbo Share Certificate
2.50%$100k-60 Month Jumbo Share Certificate
2.50%$500-6 Month Share Certificate
2.50%$100k-48 Month Jumbo Share Certificate
2.02%$500-Business 12 Month Share Certificate
2.02%$500-Business 24 Month Share Certificate
2.02%$500-Business 36 Month Share Certificate
2.02%$500-Business 60 Month Share Certificate
2.02%$500-Business 48 Month Share Certificate
1.65%$500-Business 6 Month Share Certificate
0.75%$100k-30 Month Jumbo Share Certificate
0.75%$500-30 Month Share Certificate
0.65%$500-Business 18 Month Share Certificate
0.55%$500-Business 30 Month Share Certificate
0.20%$100k-90 Day Jumbo Share Certificate
0.20%$500-90 Day Share Certificate
0.20%$500-Business 90 Day Share Certificate

MAX Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW 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
Locations

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