Overview / Commentary
2309 Whitesburg Dr SE
Huntsville, AL 35801-3819

North Alabama Educators Credit Union is headquartered in Huntsville and is the 33rd largest credit union in the state of Alabama. It is also the 1,648th largest credit union in the nation. It was established in 1957 and as of June of 2018, it had grown to 25 employees and 10,449 members at 5 locations. North Alabama Educators Credit Union's CD rates are 68% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to all members of Parent-Teacher Organizations in Madison and Limestone Counties in Alabama and in the city of Decatur, Alabama, all students in private or public schools in Madison, Limestone or Morgan Counties. Membership is also open to employees of all private schools (including day cares, nursery, preschool, kindergartens, church schools and private colleges) in Madison, Limestone and Morgan Counties and to employees of Athens Bible School, Athens State University, Athens City Schools, Calhoun Community College, Child Development Center, City of Athens, Decatur City Schools, Family Heritage Insurance, Faulkner University, Federal-Mogul, Grace Lutheran School, Huntsville City Board of Education, Highland Christian Academy, Huntsville City Schools, Huntsville Rehabilitation Center, J.F. Drake Technical College, Limestone County Board of Education, Limestone County Schools, Madison Academy, Madison City Schools, Madison County Board of Education, Madison County Schools, Mallory / Aero-M, North Alabama Skills Center, NTA, Inc., Randolph School, T & C Stamping, Technology Plus of Alabama, Tennessee Valley Rehabilitation Center, Virginia College of Huntsville, WAAY-TV, WBHP Radio, WDRM Radio, Westminster Christian School, retired teachers living in the listed counties.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. North Alabama Educators Credit Union has a relatively low asset base.

Health Grade Components

NCUA #60500
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD8.61%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$96.7MM$90.9MM
LoansQ2 2018vs Q2 2017$39.3MM$40.0MM
DepositsQ2 2018vs Q2 2017$88.4MM$83.0MM
Equity CapitalQ2 2018vs Q2 2017$7.2MM$6.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$124.00K$131.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$324.00K$147.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Alabama Educators Credit Union Savings Account Rates

0.55%$25-IRA Share Accounts
0.55%*$25k*-Super Shares Account
OTHER TIERS: 0.50% $2k - $25k
0.30%$100-Share Accounts
0.30%--Club Accounts

North Alabama Educators Credit Union CD Rates

1.81%$1k-36 Month Compounding Share Certificate
1.81%$300-36 Month Compounding Minor Share Certificate
1.80%$1k-36 Month Non-Compounding Share Certificate
1.80%$300-36 Month Non-Compounding Minor Share Certificate
1.71%$1k-27 Month Compounding Share Certificate
1.71%$300-27 Month Compounding Minor Share Certificate
1.70%$1k-27 Month Non-Compounding Share Certificate
1.70%$300-27 Month Non-Compounding Minor Share Certificate
1.61%$1k-18 Month Compounding Share Certificate
1.61%$1k-24 Month Compounding Share Certificate
1.61%$300-18 Month Compounding Minor Share Certificate
1.61%$300-24 Month Compounding Minor Share Certificate
1.60%$1k-18 Month Non-Compounding Share Certificate
1.60%$1k-24 Month Non-Compounding Share Certificate
1.60%$300-18 Month Non-Compounding Minor Share Certificate
1.60%$300-24 Month Non-Compounding Minor Share Certificate
1.51%$1k-12 Month Compounding Share Certificate
1.51%$300-12 Month Compounding Minor Share Certificate
1.50%$1k-12 Month Non-Compounding Share Certificate
1.50%$300-12 Month Non-Compounding Minor Share Certificate
1.36%$1k-9 Month Compounding Share Certificate
1.36%$300-9 Month Compounding Minor Share Certificate
1.35%$1k-9 Month Non-Compounding Share Certificate
1.35%$300-9 Month Non-Compounding Minor Share Certificate
1.31%$1k-6 Month Compounding Share Certificate
1.31%$300-6 Month Compounding Minor Share Certificate
1.30%$1k-6 Month Non-Compounding Share Certificate
1.30%$300-6 Month Non-Compounding Minor Share Certificate

North Alabama Educators Credit Union IRA Rates

1.96%$500-60 Month IRA CD
1.76%$500-48 Month IRA CD
1.76%$500-36 Month IRA CD
1.61%$500-18 Month IRA CD
1.61%$500-24 Month IRA CD

North Alabama Educators Credit Union Locations
Branch Office2100 Sparkman Dr NWHuntsville, AL 35810-3818
Branch Office2309 Whitesburg Dr SEHuntsville, AL 35801-3819
Branch Office107 US Highway 31 SAthens, AL 35611
Branch Office2349 Danville Rd SW Ste 210Decatur, AL 35603
Branch Office7559 Highway 72 W Ste 114Madison, AL 35758-8816

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