Avadian Credit Union

Headquarters

Po Box 360287
Birmingham, AL 35236
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.02% →
1-Year CD 0.70% 2.15% →
2-Year CD 0.85% 2.81% →
5-Year CD 1.35% 3.05% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Avadian is an NCUA insured institution located in Birmingham, AL. It was founded in 1934 and has approximately $1110.76 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 $1,110.76 million
Loans $718.38 million
Deposits $1,000.43 million
Capital $104.43 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 - May 17, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.85% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
30 Mo CD
0.85% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.35% $10,000 $14,999 Learn More
60 Mo CD
1.35% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.60% $1 $499 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.70% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 17, 2022

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Better.com
NMLS ID: 330511
5.208% 5.125% 1.00 $2,345 $1,362 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

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


 

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:
Fairfield,Connecticut


Avadian Locations



Climate Initiatives

AVADIAN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
2.44% 4.85

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, 2021, Avadian had $1,621,860 in non-current loans and $1,006,415 in owned assets. To cover these potential losses it had $104,432,179 in net worth and $3,491,643 in loans loss reserves. That gives it a Texas Ratio of 2.44%.

Net Worth
Avadian U.S. Average
9.4% 12.36%

Avadian FCU has a net worth of 9.4% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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