Credit union · NCUA insured
Alabama Central CU
A $216.4M credit union headquartered in Birmingham, AL, with 18,529 members and 9 branches in Alabama. Best rates: CDs 3.90% and savings 0.60% APY.
Alabama Central CU Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#9 of 13 in Florence, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Alabama Central CU
Founded in 1938, Alabama Central Credit Union is a member-owned, not-for-profit financial cooperative.
The credit union operates 9 branches serving 29 Alabama counties spanning from the Gulf Coast to north Alabama.
- Headquarters
- 3601 4th Ave S, Birmingham, AL 35222
- NCUA charter
- 60712
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in any of the 29 specified Alabama counties are eligible for membership.
Branches
9 branches in Alabama
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Alabama
9 branches
Florence area · 3
- Downtown Florence501 E Dr Hicks Blvd Ste E, Florence, AL 35630Directions
- Florence1902 Bruin Dr, Florence, AL 35630Directions
- Muscle Shoals743 Avalon Ave, Muscle Shoals, AL 35661Directions
Birmingham area · 2
- Main OfficeMain office3601 4th Ave S, Birmingham, AL 35222Directions
- Homewood250 W Oxmoor Rd, Birmingham, AL 35209Directions
Decatur area · 1
- Decatur3048 Finley Island Cir NW, Decatur, AL 35601Directions
Mobile area · 1
- Mobile797 Downtowner Blvd, Mobile, AL 36609Directions
Russellville area · 1
- Russellville13499 Highway 43, Russellville, AL 35653Directions
Tuscaloosa area · 1
- Tuscaloosa1121 Veterans Memorial Pkwy, Tuscaloosa, AL 35404Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.64% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.44% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.96% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio9.64%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.44%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.96%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Alabama Central CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.