East Alabama Community

P.O. BOX 2588, Opelika, AL 36803

NCUA Insured4.7 (15 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1958

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 Opelika, 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 1958

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

P.O. BOX 2588

Opelika, AL 36803

Google Maps 🗺Waze

(334) 364-2850

Service Area

This credit union is located in Opelika and serves members in the AL area. Currently serving 3,001 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

5.50%

Used Auto Loan

5.50%

Personal Loan

9.99%

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(1 total)

Member Reviews

4.7

15 Google reviews

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

View on Google Maps

Paralee Mckinnie

3 years ago

I have been with EAFCU for over 10 years. My experiences with them have always been exceptional. The ladies are always so patient and helpful. I highly recommend EAFC

Bo Eason

6 years ago

Very nice and helpful people!!! It's a great feeling when they all know your name!!! From the loan officers to the cashier's, they are absolutely great!!!