Credit union · NCUA insured
Coosa Pines Federal Credit Union
Top CarrotA $413.6M credit union headquartered in Childersburg, AL, with 25,798 members and 5 branches in Alabama. Best rates: CDs 4.00% and savings 3.00% APY.
Coosa Pines Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#4 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Coosa Pines Federal Credit Union
Chartered by blue-collar workers who pooled their money for better returns and mutual aid, Coosa Pines Federal Credit Union is owned by its members.
- Headquarters
- 33710 US Highway 280, Childersburg, AL 35044-3016
- NCUA charter
- 6774
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in and businesses and other legal entities located within Clay, Coosa, Jefferson, Shelby, St. Clair, and Talladega Counties, Alabama are eligible for membership.
Employers and groups
- Employees of Coosa Pines Federal Credit Union are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Family and household
- Immediate family members (including step and adoptive relationships) and household members of existing credit union members are eligible for membership regardless of residency.
Other ways
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Cost to join
- Joining requires a minimum opening deposit of $5.00 to a share/savings account.
Branches
5 branches in Alabama
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Alabama
5 branches
Birmingham area · 3
- Coosa Pines Federal Credit Union9571 Old Highway 280, Chelsea, AL 35043Directions
- Coosa Pines Federal Credit Union2708 Stemley Bridge Rd, Pell City, AL 35128Directions
- Coosa Pines Federal Credit Union42828 Highway 25, Vincent, AL 35178Directions
Talladega area · 2
- Coosa Pines Federal Credit UnionMain office33710 US Highway 280, Childersburg, AL 35044Directions
- Coosa Pines Federal Credit Union255 James Payton Blvd, Sylacauga, AL 35150Directions
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 | 16.20% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.82% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio16.20%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.82%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ 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 Coosa Pines 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.