ALABAMA CENTRAL

3601 4TH AVE S
Birmingham, AL 35222

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60712
Date Established 1938
Assets $142.76 million
Loans $122.56 million
Deposits $128.97 million
Capital $13.01 million

Alabama Central is an NCUA insured institution located in Birmingham, AL. It was founded in 1938 and has approximately $142.76 millions in assets.

Field of Membership Restrictions

Memberhsip open to anyone living, working, or attending school in one of the following Alabama counties: BALDWIN, BIBB, BUTLER, COLBERT, CONECUH, COVINGTON, CRENSHAW, FAYETTE, FRANKLIN, GREENE, HALE, JEFFERSON, LAUDERDALE, LAWRENCE, LIMESTONE, LOWNDES, MARENGO, MARION, MOBILE, MONROE, MONTGOMERY, MORGAN, SHELBY, SUMTER, TUSCALOOSA, WALKER, WASHINGTON, WILCOX.

Deposit Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $9,999 Learn MoreShow Less
Money Market
0.45% $10,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.75% $250 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
1.75% $500 - Learn MoreShow Less
24 Mo CD
2.00% $500 - Learn MoreShow Less
Special: 25 Mo CD
2.50% $5,000 - Learn MoreShow Less
36 Mo CD
2.25% $500 - Learn MoreShow Less
60 Mo CD
2.75% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.35% $2,500 $9,999 Learn MoreShow Less

Loan Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ALABAMA CENTRAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to ALABAMA CENTRAL
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Alabama Central branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Alabama Central Locations


Financial Details

Alabama Central Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alabama Central. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Alabama Central U.S. Average
9.12% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Alabama Central had $1,187,701 in non-current loans and $110,300 in owned assets. To cover these potential losses it had $13,009,472 in net worth and $1,225,760 in loans loss reserves. That gives it a Texas Ratio of 9.12%.

Net Worth
Alabama Central U.S. Average
9.11% 13.47%

Alabama Central FCU has a net worth of 9.11% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Alabama Central

Branches and Savings

What is Alabama Central?

A federal credit union, registered with the NCUA under certificate #60712.
Learn more about credit unions here.

Is Alabama Central FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Alabama Central?

Please see Field of Membership information above for information on who is eligible to join.

What are Alabama Central's share account and share certificate rates?

Alabama Central's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Alabama Central?

Alabama Central has total capital of $13.01 million. Full information on Alabama Central's financial position is located above.

Who owns Alabama Central?

Credit Unions are owned by their members.

Where are Alabama Central branches located?

See branch locations nearby.

Are Alabama Central ATMs Open 24/7?

Do Alabama Central ATMs accept cash deposits?

Can Alabama Central customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Alabama Central have a mobile app?

Does Alabama Central have mobile deposit?

Does Alabama Central have quick pay?

How can Alabama Central transfer money to other banks or credit unions?

Does Alabama Central report to credit bureaus?

Does Alabama Central use Chexsystems?

Does Alabama Central use Equifax?

What is Alabama Central's toll free phone number?

What is Alabama Central's ACH Routing Number?

What is Alabama Central's SWIFT code?

Where can I find Alabama Central's wire transfer form?

What is the Alabama Central address for deposits?

What Products Does Alabama Central Offer

Does Alabama Central offer mortgages?

Compare mortgage rates here.

Does Alabama Central offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alabama Central offer auto and RV loans?

Compare auto loan rates here.

Does Alabama Central offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Alabama Central

There are currently no comments for Alabama Central. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →