2024 Overview
General Credit Union Information
Avadian is an NCUA insured institution located in Birmingham, AL. It was founded in 1934 and has approximately $1349.7 millions in assets.
Who can join?
Individuals who live, work, worship or attend school in the following counties are eligible for membership:
Autauga, Baldwin, Calhoun, Coffee, Elmore, Geneva, Houston, Jefferson, Madison, Mobile, Montgomery, Pike, Shelby, St. Clair, Talladega, Tuscaloosa
Employment Eligibility
If you are an employee of an Alabama Telco select employee group (SEG), you are eligible for membership.
Family Eligibility
If you are related by blood or marriage to members of Alabama Telco Credit Union, you are eligible for membership.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68583 |
| Date Established | 1934 |
| Assets | $1,349.70 million |
| Loans | $1,040.66 million |
| Deposits | $1,221.01 million |
| Capital | $122.08 million |
Field of Membership Restrictions
Membership in Avadian Credit Union is open to those who live, work, attend school or worship in Autauga, Baldwin, Blount, Calhoun, Cherokee, Coffee, Colbert, Cullman, Dallas, DeKalb, Elmore, Etowah, Geneva, Houston, Jackson, Jefferson, Lauderdale, Lawrence, Lee, Limestone, Madison, Marion, Marshall, Mobile, Morgan, Pike, Randolph, Shelby, St. Clair, Talladega, Tuscaloosa, Walker or Winston Counties in Alabama. Membership is also open to employees of Charter Communications, Gulf Telephone Company, and over 200 statewide Select Employer Groups.
Deposit Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.35% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.60% | $1 | $499 | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
0.70% | $1 | $999 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Avadian
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: 401822 |
6.932% | 6.750% | 0.88 | $6,000 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
Learn More |
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 Avadian
To upload and update your bank's rates please register.
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Branches
Below are Avadian 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
AVADIAN 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
Avadian Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Avadian. 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
| Avadian | U.S. Average |
|---|---|
| 5.50% | 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, Avadian had $6,441,875 in non-current loans and $448,685 in owned assets. To cover these potential losses it had $122,083,458 in net worth and $3,191,324 in loans loss reserves. That gives it a Texas Ratio of 5.50%.
Net Worth
| Avadian | U.S. Average |
|---|---|
| 9.04% | 13.62% |
Avadian FCU has a net worth of 9.04% 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 Avadian
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