Alabama One Credit Union
Headquarters
1215 Veterans Memorial Pkwy
Tuscaloosa, AL 35404
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2024 Overview
General Credit Union Information
Alabama One is an NCUA insured institution located in Tuscaloosa, AL. It was founded in 1951 and has approximately $1220.51 millions in assets.
Who can join?
Persons, and their immediate families, who live, work, worship, or attend school in, and businesses and other legal entities located in the following counties in Alabama: Tuscaloosa, Pickens, Fayette, Walker, Bibb, Hale, Greene, Mobile, Washington, Baldwin, Monroe, Escambia, Choctaw, Clarke, Wilcox, Marengo, Sumter, Morgan, Montgomery, Jefferson, and Shelby.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68595 |
| Date Established | 1951 |
| Assets | $1,220.51 million |
| Loans | $893.15 million |
| Deposits | $1,063.87 million |
| Capital | $99.63 million |
Field of Membership Restrictions
Membership eligibility for Alabama One CU is open to any business, legal entities, individual or their direct family that resides, holds employment, attends church, or is a registered student in any of these Alabama Counties; Tuscaloosa, Pickens, Fayette, Walker, Bibb, Hale, Green, Mobile, Washington, Baldwin, Monroe, Sumter, Morgan, Montgomery, Escambia, Choctaw, Clarke,Wilcox, Marengo, Jefferson, and Shelby. A $25. deposit into a prime share account is required to initiate membership.
Deposit Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.35% | $2,500 | $2,999 |
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|
|
Money Market
|
0.35% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.41% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.41% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.51% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.51% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.61% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.61% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.30% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Alabama One
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.710% | 6.625% | 0.88 | $2,803 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Alabama One
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Branches
Below are Alabama One 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:
Columbus,Ohio
Climate Policy and Initiatives
ALABAMA ONE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Alabama One Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Alabama One. 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 One | U.S. Average |
|---|---|
| 9.23% | 6.97 |
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 December 31, 2023, Alabama One had $9,150,539 in non-current loans and $425,268 in owned assets. To cover these potential losses it had $99,625,744 in net worth and $4,082,936 in loans loss reserves. That gives it a Texas Ratio of 9.23%.
Net Worth
| Alabama One | U.S. Average |
|---|---|
| 8.14% | 13.62% |
Alabama One FCU has a net worth of 8.14% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Alabama One
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