Alabama Teachers Credit Union

Headquarters

P O Box 1400
Gadsden, AL 35902
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD 0.90% 5.41% →
2-Year CD 1.11% 4.95% →
5-Year CD 1.51% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Alabama Teachers is an NCUA insured institution located in Gadsden, AL. It was founded in 1959 and has approximately $531.4 millions in assets.

Who can join?

• Live, work, or attend school in Calhoun, Cherokee, DeKalb, Etowah, or Marshall County.
• Or, be a family member of an existing ATCU member. A family member is defined as "related by blood or marriage."
• Organizations with a main office, regional office, or branch office in Calhoun, Cherokee, DeKalb, Etowah, or Marshall County are also eligible to join!

NCUA Insured Yes / State-Chartered
Charter Number # # 67252
Date Established 1959
Assets $531.40 million
Loans $405.05 million
Deposits $452.69 million
Capital $57.80 million
 

Field of Membership Restrictions

Eligibility for Alabama Teachers CU membership is open to residents, all employees, and enrolled students in these Alabama Counties; Calhoun, Cherokee, Dekalb, Etowah, and Marshall. You can also qualify for membership if you have a family member that is currently a CU member or if you are a member or a representative for any organization that has a main office in any of the previously mentioned counties. See current membership details

Deposit Rates - June 24, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.80% $10,000 $14,999 Learn More
6 Mo CD
0.80% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
1.11% $10,000 $14,999 Learn More
24 Mo CD
1.11% $100,000 $199,999 Learn More
36 Mo CD
1.26% $10,000 $14,999 Learn More
36 Mo CD
1.26% $100,000 $199,999 Learn More
48 Mo CD
1.36% $10,000 $14,999 Learn More
48 Mo CD
1.36% $100,000 $199,999 Learn More
60 Mo CD
1.51% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.15% $1 $499 Learn MoreShow Less
Checking Rates APY MIN FEE
nHanced Checking 3.25% $0 $0.00 Learn MoreShow Less

Loan Rates - June 24, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Alabama Teachers

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 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.530% 6.375% 0.63 $5,200 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.730% 6.625% 0.88 $3,474 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.076% 6.990% 0.88 $2,800 $2,127 Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

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

Branches

Below are Alabama Teachers 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 Teachers Locations



Climate Policy and Initiatives

ALABAMA TEACHERS 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 Teachers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alabama Teachers. 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 Teachers U.S. Average
8.31% 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 Teachers had $4,995,196 in non-current loans and $119,638 in owned assets. To cover these potential losses it had $57,798,434 in net worth and $3,775,269 in loans loss reserves. That gives it a Texas Ratio of 8.31%.

Net Worth
Alabama Teachers U.S. Average
10.88% 13.62%

Alabama Teachers FCU has a net worth of 10.88% 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 Teachers

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