Credit union · NCUA insured
Family Savings Credit Union
Top CarrotA $1.2B credit union, the 417th largest of 4,329, headquartered in Rainbow City, AL, with 78,378 members and 16 branches in 2 states. Best rates: CDs 4.20% and savings 2.00% APY.
Family Savings Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#4 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Family Savings Credit Union
Founded in 1951 by seven employees of Goodyear Tire and Rubber Co. in Gadsden, Alabama, Family Savings Credit Union has grown to serve members across Alabama and Georgia.
The credit union operates 11 branch locations across Alabama and Georgia.
- Headquarters
- 205 Rescia Ave, Rainbow City, AL 35906-5932
- NCUA charter
- 68628
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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, work (or regularly conduct business in), or attend school in Etowah, Marshall, DeKalb, Jackson, Cherokee, Calhoun, Cleburne, Madison, Blount, St. Clair, Morgan, Cullman, or Talladega Counties, Alabama are eligible for membership.
- Persons who live or work in Bartow, Catoosa, Chattooga, Dade, Floyd, Gordon, Haralson, Paulding, Polk, Carroll, Cherokee, Cobb, Douglas, Murray, Whitfield, or Walker Counties, Georgia are eligible for membership.
Family and household
- Individuals related by blood, adoption, legal guardianship, or marriage to anyone within Family Savings Credit Union's Field of Membership are eligible.
Branches
16 branches in 2 states
Loading map…
Alabama
10 branches
Fort Payne area · 3
- Ft. Payne1015 Gault Ave S Ste 500, Fort Payne, AL 35967Directions
- Ider11194 AL Highway 75, Ider, AL 35981Directions
- Valley Head85 Winston St, Valley Head, AL 35989Directions
Gadsden area · 2
- East Gadsden Branch711 E Meighan Blvd, Gadsden, AL 35903Directions
- Rainbow City Branch3003 2nd St, Rainbow City, AL 35906Directions
Huntsville area · 2
- Bentley Bypass10210 Memorial Pkwy NE, Huntsville, AL 35810Directions
- Owens Cross Roads7060 US 431 South, Owens Cross Roads, AL 35763Directions
Albertville area · 1
- Albertville7200 US Highway 431 Ste 350, Albertville, AL 35950Directions
Anniston area · 1
- Oxford Branch162 Industrial Dr, Oxford, AL 36203Directions
Scottsboro area · 1
- Scottsboro24661 John T Reid Pkwy, Scottsboro, AL 35768Directions
Georgia
6 branches
Atlanta area · 3
- Cartersville3 Ryan Blvd NE, Cartersville, GA 30121Directions
- Cartersville West205 Douthit Ferry Rd, Cartersville, GA 30120Directions
- Hiram342 Charles Hardy Pkwy, Hiram, GA 30141Directions
Calhoun area · 1
- Calhoun1273 Curtis Pkwy SE, Calhoun, GA 30701Directions
Cedartown area · 1
- Rockmart101 Felton Dr, Rockmart, GA 30153Directions
Rome area · 1
- Rome2510 Redmond Cir NW, Rome, GA 30165Directions
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 | 8.86% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.03% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.66% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalNet worth ratio8.86%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.03%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$97Peers’ 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 Family Savings Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.