North Alabama Educators Credit Union

Headquarters

Po Box 128
Huntsville, AL 35804
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.15% →
1-Year CD 0.40% 1.50% →
2-Year CD 0.40% 2.86% →
5-Year CD N.A. 3.21% →
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

North Alabama Educators is an NCUA insured institution located in Huntsville, AL. It was founded in 1957 and has approximately $131.64 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 60500
Date Established 1957
Assets $131.64 million
Loans $44.80 million
Deposits $122.31 million
Capital $9.31 million
 

Field of Membership Restrictions

Membership is open to all members of Parent-Teacher Organizations in Madison and Limestone Counties in Alabama and in the city of Decatur, Alabama, all students in private or public schools in Madison, Limestone or Morgan Counties. Membership is also open to employees of all private schools (including day cares, nursery, preschool, kindergartens, church schools and private colleges) in Madison, Limestone and Morgan Counties and to employees of Athens Bible School, Athens State University, Athens City Schools, Calhoun Community College, Child Development Center, City of Athens, Decatur City Schools, Family Heritage Insurance, Faulkner University, Federal-Mogul, Grace Lutheran School, Huntsville City Board of Education, Highland Christian Academy, Huntsville City Schools, Huntsville Rehabilitation Center, J.F. Drake Technical College, Limestone County Board of Education, Limestone County Schools, Madison Academy, Madison City Schools, Madison County Board of Education, Madison County Schools, Mallory / Aero-M, North Alabama Skills Center, NTA, Inc., Randolph School, T & C Stamping, Technology Plus of Alabama, Tennessee Valley Rehabilitation Center, Virginia College of Huntsville, WAAY-TV, WBHP Radio, WDRM Radio, Westminster Christian School, retired teachers living in the listed counties.

Deposit Rates - May 28, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $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
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More

Loan Rates - May 28, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for NORTH ALABAMA EDUCATORS

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 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
5.975% 5.875% 1.00 $2,718 $1,479 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.887% 5.750% 1.00 $3,750 $1,459 Learn More

Featured - Virginia 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 NORTH ALABAMA EDUCATORS
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are North Alabama Educators 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


North Alabama Educators Locations



Climate Initiatives

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

Financial Details

North Alabama Educators Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of North Alabama Educators. 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
North Alabama Educators U.S. Average
2.13% 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, North Alabama Educators had $139,177 in non-current loans and $62,215 in owned assets. To cover these potential losses it had $9,307,352 in net worth and $144,009 in loans loss reserves. That gives it a Texas Ratio of 2.13%.

Net Worth
North Alabama Educators U.S. Average
7.28% 12.36%

North Alabama Educators FCU has a net worth of 7.28% 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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