Credit union · NCUA insured
AOD Federal Credit Union
Top CarrotA $462M credit union headquartered in Oxford, AL, with 37,753 members and 6 branches in Alabama. Best rates: CDs 3.50% and savings 2.25% APY.
AOD Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 12 in Anniston, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AOD Federal Credit Union
- Headquarters
- 12 Elm St, Oxford, AL 36203
- NCUA charter
- 6680
Branches
6 branches in Alabama
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Alabama
6 branches
Anniston area · 5
- OxfordMain office12 Elm St, Oxford, AL 36203Directions
- Greenbrier216 Greenbrier Dear Rd, Anniston, AL 36207Directions
- Lenlock150 Bill Robison Pkwy, Anniston, AL 36206Directions
- Bynum Main334 Victory Drive, Bynum, AL 36253Directions
- Jacksonville1060 JD & L Dr SW, Jacksonville, AL 36265Directions
Birmingham area · 1
- Pell City275 Vaughn Spur, Pell City, AL 35128Directions
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 | 16.36% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.32% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio16.36%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.32%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ 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 AOD Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.