Credit union · NCUA insured
Alabama ONE Savings Rates
Top CarrotAlabama ONE’s best savings rate is 1.00% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How Alabama ONE’s savings rates compare
Compared with banks and credit unions near Tuscaloosa, AL, where Alabama ONE has the most branches. $10,000, best rate first.
This credit union’s best
Alabama ONE
1.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $100
Money Market Accounts
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
Alabama ONE savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0003.82%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Alabama ONE ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ascend Fund
3.82%APY · 1 term
Available for new deposits only (funds from another institution, not funds already at Alabama ONE). 12-month term. Members may withdraw up to 6 times per month with no penalty for early withdrawal. New money can be added at any time during the 12-month period. Available for consumer and business accounts. Matures in 12 months and renews into a variable rate, currently 2.75%.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for new deposits only. Minimum balance of $25,000 must be maintained to earn 3.82% APY. Withdraw up to 6 times per month. No penalty for early withdrawal. New money can be added at any time during the 12-month period | 3.82% | — |
Money Market Accounts
1.00%APY
Variable Rate account. Rates may change after the account has been opened. $1,000 minimum to open Money Market Account (MMA) to obtain APY unless otherwise specified. Dividends compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. Balances between $1,000 and $500,000 qualify for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate per qualifying product up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). Accounts are reviewed the 15th of each month for eligibility. Balances $500,000 or greater do not qualify for relationship enhancement. $5 membership fee required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier under $1,000.00. | 0.00% | — | Tier under $1,000.00. |
| $1,000 – $10,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). | 1.00% | — | Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). |
| $10,000 – $25,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). | 1.00% | $100 | Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). |
| $25,000 – $100,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). | 1.00% | — | Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). |
| $100,000 – $250,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). | 1.00% | — | Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). |
| $250,000 – $500,000Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). | 1.00% | — | Qualifies for relationship enhancement per Relationship Matrix (additional 0.20% dividend rate up to a max enhancement of 1.60%; minimum rate 1.00%, maximum rate 2.60%). |
| $500,000 and upDoes not qualify for relationship enhancement. | 2.78% | — | Does not qualify for relationship enhancement. |
Sources (1)
- alabamaone.org/rates · captured Oct 5, 2026
Membership Savings Accounts
0.20%APY
Every Alabama ONE member has a membership savings account. Variable Rate account. Savings account dividends are compounded and paid quarterly. $5 membership fee required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 and up | 0.20% | $20 |
Special-purpose accounts
IRA Money Market (Traditional & Roth)
1.00%APY
Variable Rate account. Rates may change after the account has been opened. $1,000 minimum to open and to obtain APY unless otherwise specified. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account. Fees could reduce earnings on the account. $5 membership fee required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier under $1,000.00. | 0.00% | — | Tier under $1,000.00. |
| $1,000 – $10,000 | 1.00% | — | |
| $10,000 – $25,000 | 1.00% | $100 | |
| $25,000 – $100,000 | 1.00% | — | |
| $100,000 – $250,000 | 1.00% | — | |
| $250,000 – $500,000 | 2.78% | — | |
| $500,000 and up | 2.53% | — |
Sources (1)
- alabamaone.org/rates · captured Oct 5, 2026
Christmas Club
1.00%APY
Funds distribute in early November (on or after October 31). Dividends are compounded and paid annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds distribute in early November. Entire balance will be paid by check or transferred to another account on or after October 31 and account remains open.Any balance | 1.00% | $100 | Funds distribute in early November. Entire balance will be paid by check or transferred to another account on or after October 31 and account remains open. |
Little ONE Savings
1.00%APY
Available for children ages 12 and under. $5 membership fee required. Dividends are compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for children ages 12 and under. $5 membership fee required. No minimum balance requirements. No account fees.Any balance | 1.00% | $100 | Available for children ages 12 and under. $5 membership fee required. No minimum balance requirements. No account fees. |
Sources (3)
- alabamaone.org/little-one-savings-account
- alabamaone.org/product/savings-accounts
- alabamaone.org/rates
All captured Oct 5, 2026
Savers Club
1.00%APY
The balance will be transferred to Prime Share or designated account at the time specified each year. Dividends are compounded and paid semi-annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance may be transferred to another account of yours on a day of your choosing and account will remain open.Any balance | 1.00% | $100 | Balance may be transferred to another account of yours on a day of your choosing and account will remain open. |
Who can join Alabama ONE
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.
Membership information collected October 4, 2026.