Po Box 608
Bynum, AL 36253
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.65% →
1-Year CD 0.50% 0.67% →
2-Year CD 0.75% 0.75% →
5-Year CD 1.10% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Aod is an NCUA insured institution located in Bynum, AL. It was founded in 1950 and has approximately $399.2 millions in assets.

Who can join?

Any person who is employed by any company on the Field of Membership list (Select Employer Group) is eligible to join AOD Federal Credit Union. Additionally, immediate family members of those eligible to join are also eligible to join. "Immediate family member" eligibility is limited to spouse, child, sibling, parent, grandparent or grandchild. For the purposes of this definition, immediate family member also includes stepparents, stepchildren, stepsiblings and adoptive relationships and individuals living in your same house.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6680
Date Established 1950
Assets $399.20 million
Loans $193.15 million
Deposits $346.08 million
Capital $47.82 million

Field of Membership Restrictions

Military and civilian employees and contractors who work at the Anniston Army Depot, active or retired members of the armed forces living in select counties in northeast Alabama, employees of the U.S.D.A. Soil Conservation Service Area 2 in Alabama, and other select groups are eligible for membership.

Deposit Rates - May 8, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 8, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for AOD

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.658% 2.625% 0.38 $1,090 $1,005 Learn More
Test Advertiser QA
2.770% 2.750% 0.25 $650 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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



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

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Financial Details

Aod Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Aod. 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
Aod U.S. Average
4.32% 5.40

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, 2020, Aod had $1,968,277 in non-current loans and $204,829 in owned assets. To cover these potential losses it had $47,819,359 in net worth and $2,512,825 in loans loss reserves. That gives it a Texas Ratio of 4.32%.

Net Worth
Aod U.S. Average
11.97% 12.67%

Aod FCU has a net worth of 11.97% versus the BestCashCow average of 12.67. 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 Aod

Branches and Savings

What is Aod?

A federal credit union, registered with the NCUA under certificate #6680.
Learn more about credit unions here.

Is Aod FDIC insured?

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

Who can join Aod?

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

What are Aod's share account and share certificate rates?

Aod'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 Aod?

Aod has total capital of $47.82 million. Full information on Aod's financial position is located above.

Who owns Aod?

Credit Unions are owned by their members.

Where are Aod branches located?

See branch locations nearby.

Are Aod ATMs Open 24/7?

Do Aod ATMs accept cash deposits?

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

Does Aod have a mobile app?

Does Aod have mobile deposit?

Does Aod have quick pay?

How can Aod transfer money to other banks or credit unions?

Does Aod report to credit bureaus?

Does Aod use Chexsystems?

Does Aod use Equifax?

What is Aod's toll free phone number?

What is Aod's ACH Routing Number?

What is Aod's SWIFT code?

Where can I find Aod's wire transfer form?

What is the Aod address for deposits?

What Products Does Aod Offer

Does Aod offer mortgages?

Compare mortgage rates here.

Does Aod offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Aod offer auto and RV loans?

Compare auto loan rates here.

Does Aod offer student loans or personal loans?

Compare personal loan rates here.

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