Aod

PO Box 608, Bynum, AL 36253

NCUA Insured3.5 (11 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1950

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 608

Bynum, AL 36253

Google Maps 🗺Waze

(256) 237-9494

Service Area

This credit union is located in Bynum and serves members in the AL area. Currently serving 37,663 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

8.05%

Used Auto Loan

8.30%

Personal Loan

14.70%

Credit Card APR

13.45%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

North Alabama Papermakers— New Auto Loan

Stevenson, AL

2.36%

Nrs Community Development— Used Auto Loan

Birmingham, AL

2.25%

Baldwin County— Personal Loan

Bay Minette, AL

6.99%

Eco— Credit Card APR

Birmingham, AL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

3.5

11 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Katie Burdette

7 months ago

Every time I go into this branch with any requests I am met with terrible customer service. They are never helpful. 10/10 do not recommend. I feel sorry for the depot workers who use them.

Christina M

5 years ago

Can’t ever get ahold of anyone on the phone. Each representative tells you different information. For example, I was told I had to come into a branch to open the Kasasa Saver account while another representative sent me the docusign paperwork and opened it over the phone.

Larry Shepard

a year ago

Very unprofessional...drive thru is to slow 20 minutes to do a simple transaction is uncalled for.

Jay Cahill (Jaycob)

5 years ago

The branch is always clean and disinfected all employees always wearing masks and implementing protective practices at all times they’re very efficient courteous professional kind and helpful I love this bank