Alabama
Verified Information
NCUA Insured
Member-Owned
2 charter
Established in 1956
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 Tuscaloosa, 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
2 charter
Established in 1956
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Tuscaloosa and serves members in the AL area. Currently serving 156,023 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 · NCUAKey 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
5.70%Used Auto Loan
7.10%Personal Loan
11.00%Credit Card APR
10.90%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).
Stevenson, AL
Birmingham, AL
Bay Minette, AL
Birmingham, AL
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(39 total)
Member Reviews
3.4
23 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
kyle sigmon
7 months ago
App is useless. If you want to make an additional payment it takes you to website. What is the point of the app then. Banking NOT made easy. All the chat bots that are there to help are AI. They never answer the phones. Can never speak to real people. Website is super outdated and not user friendly. Won’t bank with them again once my loans paid off.
Renea Claunch Hand
9 months ago
Look I understand security, but tell me why the loan department will pull your credit and approve you for a loan and then the account department will deny you an account because they "can't verify your identity" unless you go into a branch. They say you can have an account if you are part of the UA Alumni Association, but don't understand that all of those members don't live near a branch. Why would the loan dept be able to pull your credit without verifying your identity??? Tons of online banks are able to verify identities without physically seeing you, but Alabama Credit Union apparently can't. But hey, at least they'll let your take a hit on your credit report.
Charles Stewart
10 months ago
I have been using Alabama Credit Union for many years now after having poor experiences with other banks. Over my years there I have done three separate loans with Kristy Herring as my loan officer and she has always been right on top of everything. Anytime I have a loan need I always reach out to her to initiate the process.
Tim Holder
10 months ago
Kristi Herring was amazing to work with on our loan. Super -helpful and attentive to every detail. She really went above and beyond to give us the best experience possible
Sherry Hale
a year ago
I have used Alabama Credit Union for years. If you are looking for a loan officer that cares about you and wants to make sure you are making the right financial decisions Kristi Herring is your person! She doesn’t just look out for the credit union she looks out for her members! If you are looking for a loan or in need of any financial advice please go see her or give her a call! You will be not be disappointed!
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(888) 817-2002Website
Visit WebsiteMembers
156,023
Total Assets
$2.1B
Year Opened
1956
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile