PO BOX 128
Huntsville, AL 35804

Notable Rates APY Vs.Others
Savings 0.25% 2.10% →
1-Year CD 0.50% 2.02% →
2-Year CD 0.50% 2.02% →
5-Year CD N.A. 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 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 $97.26 millions in assets.

NCUA Insured Yes
Charter Number # # 60500
Date Established 1957
Assets $97.26 million
Loans $38.41 million
Deposits $88.19 million
Capital $7.96 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 - March 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $2,000 $24,999 Learn MoreShow Less
Money Market
0.60% $25,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.40% $25 - Learn MoreShow Less
Fixed IRA
0.50% $500 - Learn MoreShow Less

Loan Rates - March 30, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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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.

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North Alabama Educators Locations

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
2.81% 5.86

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 June 30, 2019, North Alabama Educators had $166,648 in non-current loans and $62,215 in owned assets. To cover these potential losses it had $7,964,296 in net worth and $166,712 in loans loss reserves. That gives it a Texas Ratio of 2.81%.

Net Worth
North Alabama Educators U.S. Average
8.27% 13.65%

North Alabama Educators FCU has a net worth of 8.27% versus the BestCashCow average of 13.65. 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 North Alabama Educators

Branches and Savings

What is North Alabama Educators?

A federal credit union, registered with the NCUA under certificate #60500.
Learn more about credit unions here.

Is North Alabama Educators FDIC insured?

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

Who can join North Alabama Educators?

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

What are North Alabama Educators's share account and share certificate rates?

North Alabama Educators'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 North Alabama Educators?

North Alabama Educators has total capital of $7.96 million. Full information on North Alabama Educators's financial position is located above.

Who owns North Alabama Educators?

Credit Unions are owned by their members.

Where are North Alabama Educators branches located?

See branch locations nearby.

Are North Alabama Educators ATMs Open 24/7?

Do North Alabama Educators ATMs accept cash deposits?

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

Does North Alabama Educators have a mobile app?

Does North Alabama Educators have mobile deposit?

Does North Alabama Educators have quick pay?

How can North Alabama Educators transfer money to other banks or credit unions?

Does North Alabama Educators report to credit bureaus?

Does North Alabama Educators use Chexsystems?

Does North Alabama Educators use Equifax?

What is North Alabama Educators's toll free phone number?

What is North Alabama Educators's ACH Routing Number?

What is North Alabama Educators's SWIFT code?

Where can I find North Alabama Educators's wire transfer form?

What is the North Alabama Educators address for deposits?

What Products Does North Alabama Educators Offer

Does North Alabama Educators offer mortgages?

Compare mortgage rates here.

Does North Alabama Educators offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does North Alabama Educators offer auto and RV loans?

Compare auto loan rates here.

Does North Alabama Educators offer student loans or personal loans?

Compare personal loan rates here.

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