University of South Alabama

103 HILLCREST RD, Mobile, AL 36608

NCUA Insured3.6 (30 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1960

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

Membership Eligibility

Anyone who lives, works, or worships in or around Mobile, AL may be eligible to join. Community credit unions are open to the general public within their service area.

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 1960

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

103 HILLCREST RD

Mobile, AL 36608

Google Maps 🗺Waze

(251) 706-0255

Service Area

This credit union is located in Mobile and serves members in the AL area. Currently serving 8,400 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

6.00%

Used Auto Loan

6.25%

Personal Loan

7.40%

Credit Card APR

8.90%

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(2 total)

Member Reviews

3.6

30 Google reviews

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

View on Google Maps

Jeannette Bartell

5 years ago

I have been a member for about 25 years. The staff is an amazing group of ladies. I have peace knowing that my financial institution is there for me when I am in need. I have thought about switching since I live in Baldwin County but I made the decision that I don't want to be a number. I enjoy being a customer where they know my name when I walk in.

Robert Dillon

7 years ago

Having been a member for more than 20 years, I believe them to be the finest financial institution in town, and certainly the finest that I have ever dealt with. I highly recommend that anyone who can become a member, make it so. I cannot overstate how many times the credit union has come to my aid in my hour of need. They are definitely the best.

Wayne Lee

3 years ago

I like the Credit Union, and the employees are always helpful. I just wish some of the services were a little more up to date. The ATM service is atrocious. I live in Semmes, and there are no ATM's in this area on their network. It cost $4.00 to get money conveniently. Then the credit union charges an additional fee for going outside the network. I've been with them ten years and no attempt has been made to to remedy this. The closest ATM is the Credit Union on Hillcrest. A twenty five minute ride.

Mr. Bullard

3 years ago

Debbie is the only bad part about this bank. She has an inability to admit her mistakes and quite frankly should not be customer facing. She’s been incorrect multiple times and has made multiple visits infuriating for me and others I know. USA Federal deserves better and so do their customers.

Stephanie curtin

8 years ago

I love this bank but I hate their online banking process. If I enter my password in incorrectly just ONCE, it will not let me in at all. I need to check my account and I can't. Also if you forget your pin to your card, you have to wait till office hours to call, which by the way, they send you a new card that you have to wait two weeks for. ITS OVER COMPLICATED. Also I moved states, asked if I could still bank with them they said yes, come to find out when I called to change my address, they informed me that I have to do it in person. I live 6 hours away and work 6 days a week from 7-6. They have been the least accommodating people I have ever met. It's extremely frustrating that I can't get to MY MONEY!