Alabama

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Oxford, Alabama Credit Union Savings Rates

You are viewing savings rates from credit unions in Oxford, Alabama

 

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Oxford, AL - December 4, 2024

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

| Jun 1, 2019

Yes... Read More

2.25%

2.05%
1.85%
1.65%
1.50%
1.10%
1.06%
0.95%

$1,000,000

$500,000
$250,000
$100,000
$50,000
$25,000
$10,000
$2,500
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| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

| Apr 13, 2021

Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More

| Jun 1, 2019

Yes... Read More

Rate History: 1.51% → 1.61% → 1.71%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

Tyndall


Restrictions

1.50%

1.25%
1.00%
0.75%

$50,000

$25,000
$10,000
$1,000
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| Jan 18, 2022

Need to see form for wiring money from another state to Panama City Florida USA Read More

1.45%

$2,500

Learn More

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

Coosa Pines


Restrictions

0.70%

$25,000

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Guardian


Restrictions

0.65%

$25,000

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Five Star


Restrictions

0.60%

$2,500

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Honda


Restrictions

0.60%

$25,000

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Acipco


Restrictions

0.55%

$2,500

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Heritage South


Restrictions

0.55%

$25,000

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1st Resource


Restrictions

0.50%

$2,500

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0.50%

$10,000

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Honda


Restrictions

0.50%

$10,000

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0.50%

$2,500

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Singing River


Restrictions

0.50%

$25,000

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Coosa Pines


Restrictions

0.50%

$2,500

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Riverfall


Restrictions

0.50%

$25,000

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Kinetic


Restrictions

0.45%

$2,500

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Alabama Teachers


Restrictions

0.45%

$25,000

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Riverfall


Restrictions

0.45%

$10,000

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Navigator Cu


Restrictions

0.45%

0.43%
0.40%
0.38%
0.35%

$100,000

$50,000
$25,000
$10,000
$2,500
Learn More

Singing River


Restrictions

0.40%

$10,000

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Max


Restrictions

0.40%

$25,000

Learn More

| Oct 19, 2019

They suck! Read More

Guardian


Restrictions

0.40%

$10,000

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Jm Associates


Restrictions

0.40%

$2,500

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Alabama


Restrictions

0.36%

$10,000

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| Aug 11, 2021

Terrible Customer Service by Manager Read More

Social Security


Restrictions

0.35%

$10,000

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0.35%

$2,500

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Singing River


Restrictions

0.35%

$2,500

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Alabama Teachers


Restrictions

0.35%

$10,000

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Fort Mcclellan


Restrictions

0.35%

$2,500

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| Aug 16, 2021

I have had 2-3 car loans with them with no problems. I called to check on refinancing my current vehicle of which they currently hold the loan. For some reason, and without my consent, they ran my credit. ... Read More

Honda


Restrictions

0.35%

$2,500

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Alabama One


Restrictions

0.35%

$2,500

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Alabama


Restrictions

0.31%

$2,500

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| Aug 11, 2021

Terrible Customer Service by Manager Read More

0.30%

$25,000

Learn More

Service 1


Restrictions

0.30%

$25,000

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Valley


Restrictions

0.30%

$2,500

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0.30%

$2,500

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Alatrust


Restrictions

0.30%

$25,000

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Florence


Restrictions

0.30%

$2,500

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Legacy Community


Restrictions

0.30%

$25,000

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Social Security


Restrictions

0.30%

$2,500

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Avadian


Restrictions

0.30%

$25,000

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America's First


Restrictions

0.30%

$25,000

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New Horizons


Restrictions

0.30%

$25,000

Learn More

| Apr 13, 2021

Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More

0.26%

$2,500

Learn More

Alabama


Restrictions

0.26%

$2,500

Learn More

| Aug 11, 2021

Terrible Customer Service by Manager Read More

0.25%

$2,500

Learn More

Aod


Restrictions

0.25%

$2,500

Learn More

Max


Restrictions

0.25%

$2,500

Learn More

| Oct 19, 2019

They suck! Read More

Star Usa


Restrictions

0.25%

$50,000

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Riverfall


Restrictions

0.25%

$2,500

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Dch


Restrictions

0.25%

$25,000

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Winsouth


Restrictions

0.25%

$2,500

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0.25%

$2,500

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Valley


Restrictions

0.25%

$2,500

Learn More

Alatrust


Restrictions

0.25%

$10,000

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0.25%

$2,500

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0.25%

$2,500

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| Aug 5, 2018

Prejudice Read More

Eco


Restrictions

0.25%

$2,500

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0.25%

$2,500

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Florence


Restrictions

0.25%

$2,500

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Alabama Teachers


Restrictions

0.25%

$2,500

Learn More

Guardian


Restrictions

0.25%

$2,500

Learn More

Acipco


Restrictions

0.25%

$2,500

Learn More

Singing River


Restrictions

0.25%

$2,500

Learn More

Service 1


Restrictions

0.25%

$2,500

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0.25%

$2,500

Learn More

0.25%

$5

Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Coosa Pines


Restrictions

0.20%

$2,500

Learn More

0.20%

$2,500

Learn More

Dch


Restrictions

0.20%

$2,500

Learn More

Legacy Community


Restrictions

0.20%

$10,000

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0.20%

$2,500

Learn More

Edu


Restrictions

0.20%

$0

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Heritage South


Restrictions

0.20%

$2,500

Learn More

Social Security


Restrictions

0.20%

$2,500

Learn More

Family Savings


Restrictions

0.20%

$2,500

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0.20%

$100

Learn More

Alatrust


Restrictions

0.20%

$2,500

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Rate History: 0.25% → 0.20%

0.20%

$25,000

Learn More

0.20%

$2,500

Learn More

Avadian


Restrictions

0.20%

$10,000

Learn More

Alabama Central


Restrictions

0.20%

$10,000

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America's First


Restrictions

0.20%

$10,000

Learn More

Alabama One


Restrictions

0.20%

$2,500

Learn More

New Horizons


Restrictions

0.20%

$10,000

Learn More

Honda


Restrictions

0.15%

$2,500

Learn More

Star Usa


Restrictions

0.15%

$2,500

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Legacy Community


Restrictions

0.15%

$2,500

Learn More

0.15%

$10,000

Learn More

Avadian


Restrictions

0.15%

$2,500

Learn More

Navigator Cu


Restrictions

0.15%

$0

Learn More

0.13%

$2,500

Learn More

America's First


Restrictions

0.10%

$2,500

Learn More

Mtc


Restrictions

0.10%

$2,500

Learn More

Guardian


Restrictions

0.10%

$2,500

Learn More

Star Usa


Restrictions

0.10%

$10

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Five Star


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Legacy Community


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Winsouth


Restrictions

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

Kinetic


Restrictions

0.10%

$2,500

Learn More

Family Security


Restrictions

0.10%

$2,500

Learn More

Avadian


Restrictions

0.10%

$2,500

Learn More

Service 1


Restrictions

0.10%

$2,500

Learn More

Alabama Central


Restrictions

0.10%

$2,500

Learn More

Mobile Educators


Restrictions

0.10%

$2,500

Learn More

New Horizons


Restrictions

0.10%

$2,500

Learn More

0.06%

$2,500

Learn More

Star Usa


Restrictions

0.05%

$5

Learn More

| Aug 31, 2020

Great rates and fast loans Read More

Family Security


Restrictions

0.05%

$2,500

Learn More

Alatrust


Restrictions

0.05%

$2,500

Learn More

Eco


Restrictions

0.05%

$2,500

Learn More

Four Seasons


Restrictions

0.03%

$2,500

Learn More

Edu


Restrictions

0.01%

$1

Learn More

| Jan 18, 2022

Need to see form for wiring money from another state to Panama City Florida USA Read More

Four Seasons


Restrictions

0.01%

$2,500

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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