Credit union · NCUA insured
Alabama ONE
Top CarrotA $1.5B credit union, the 322nd largest of 4,329, headquartered in Tuscaloosa, AL, with 97,352 members and 31 branches in Alabama. Best rates: CDs 4.15% and savings 1.00% APY.
Alabama ONE Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#3 of 16 in Tuscaloosa, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Alabama ONE
Headquartered in Tuscaloosa, Alabama, Alabama ONE is a member-owned financial cooperative that has been serving members since its charter in 1951 as TRW Federal Credit Union.
Following the 2020 addition of Alabama Rural Electric Credit Union, the credit union operates 31 branches and serves over 97,000 members across 58 Alabama counties.
Alabama ONE provides a comprehensive suite of consumer, business, agricultural, and mortgage offerings, alongside wealth management and full-service insurance solutions.
- Headquarters
- 1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404-5842
- NCUA charter
- 68595
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This may be incomplete or out of date, so check with the credit union before you apply.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 36 specified Alabama counties are eligible for membership.
Employers and groups
- Employees (current, former, retired), their immediate family members, or members of an Alabama rural electric cooperative are eligible for membership.
- Current, former, or retired employees of Select Employee Groups (SEGs) and their immediate family members are eligible for membership.
Military, government and schools
- Employees (current, former, retired), their immediate family members, and residents or patients of State of Alabama care facilities or contracted service providers are eligible for membership.
- Employees (current, former, retired) and their immediate family members of groups supportive of and working with programs under State of Alabama administration are eligible for membership.
Branches
31 branches in Alabama
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Alabama
31 branches
Tuscaloosa area · 13
- Main OfficeMain office1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404Directions
- Carrollton Branch194 Reform St, Carrollton, AL 35447Directions
- Gordo313 Main St S, Gordo, AL 35466Directions
- Lake View22170 State Rte 216, McCalla, AL 35111Directions
- Hwy 434750 Rose Blvd, Northport, AL 35475Directions
- Northport1501 McFarland Blvd, Northport, AL 35476Directions
- Alberta2735 University Blvd E, Tuscaloosa, AL 35404Directions
- BF Goodrich4520 21st St, Tuscaloosa, AL 35401Directions
- Commons North4605 Rice Mine Rd NE, Tuscaloosa, AL 35406Directions
- Jack Warner1000 Jack Warner Pkwy NE, Tuscaloosa, AL 35404Directions
- Skyland East3700 Skyland Blvd E, Tuscaloosa, AL 35405Directions
- Skyland West70 Skyland Blvd E, Tuscaloosa, AL 35405Directions
- Taylorville6822 Highway 69 S, Tuscaloosa, AL 35405Directions
Montgomery area · 3
- Millbrook3390 Highway 14, Millbrook, AL 36054Directions
- Montgomery-ARECU340 Technacenter Dr, Montgomery, AL 36117Directions
- Pike Road41 House Street, Pike Road, AL 36064Directions
Dothan area · 2
- Dothan Branch6167 Fortner St, Dothan, AL 36305Directions
- Samson Branch13148 W State Highway 52, Samson, AL 36477Directions
Talladega area · 2
- Goodwater22484 AL Highway 9, Goodwater, AL 35072Directions
- Rockford9636 US Highway 231, Rockford, AL 35136Directions
Brewton area · 1
- Brewton2549 South Blvd, Brewton, AL 36426Directions
Centre area · 1
- Centre Branch500 Cedar Bluff Rd, Centre, AL 35960Directions
Demopolis area · 1
- Demopolis1317 US Highway 80 W, Demopolis, AL 36732Directions
Fayette area · 1
- Fayette1678 Temple Ave N, Fayette, AL 35555Directions
Heflin area · 1
- Hollis Crossroads8333 Highway 431, Heflin, AL 36264Directions
Linden area · 1
- Linden116 E Coats Ave, Linden, AL 36748Directions
McIntosh area · 1
- McIntosh7895 Highway 43, McIntosh, AL 36553Directions
Mobile area · 1
- Mobile Branch945 Coy Smith Highway, Mount Vernon, AL 36560Directions
Roanoke area · 1
- Roanoke3140 Highway 431, Roanoke, AL 36274Directions
LaGrange area · 1
- Valley3202 20th Ave, Valley, AL 36854Directions
Wadley area · 1
- Wadley312 Main St, Wadley, AL 36276Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.08% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.85% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.60% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio9.08%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.85%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 ONE are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.