Credit union · NCUA insured
Fort McClellan Credit Union
A $224.7M credit union headquartered in Anniston, AL, with 15,331 members and 6 branches in Alabama. Best rates: CDs 3.75% and savings 0.05% APY.
Fort McClellan Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#8 of 12 in Anniston, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Fort McClellan Credit Union
Founded in 1953 to serve military and civilian personnel at Fort McClellan, Alabama, Fort McClellan Credit Union is a member-owned, not-for-profit financial institution.
Headquartered in Anniston, Alabama, the credit union serves a field of membership encompassing nine surrounding counties.
- Headquarters
- 1010 Golden Springs Rd, Anniston, AL 36207
- NCUA charter
- 61800
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This may be incomplete or out of date, so check with the credit union before you apply.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 Calhoun, Cleburne, Talladega, Clay, Randolph, Cherokee, Etowah, St Clair, and Chambers Counties are eligible for membership.
Military, government and schools
- City, County, State, and Federal employees living or working in St. Clair and Etowah Counties are eligible for membership.
- All National Guard and US Army Reserve Personnel within the trade area of FMCU are eligible for membership.
Family and household
- Any relative of members, regardless of residence or place of employment, is eligible for membership.
Cost to join
- Opening a share savings account requires a $5 deposit to establish membership.
Branches
6 branches in Alabama
Loading map…
Alabama
6 branches
Anniston area · 4
- Golden Springs Corporate OfficeMain office1010 Golden Springs Rd, Anniston, AL 36207Directions
- Anniston1731 Noble St, Anniston, AL 36201Directions
- Jacksonville1204 Church Ave SE, Jacksonville, AL 36265Directions
- Ohatchee7718 Al Highway 77, Ohatchee, AL 36271Directions
Birmingham area · 1
- Pell City2239 Martin St S, Pell City, AL 35128Directions
Roanoke area · 1
- Roanoke4479 Highway 431, Roanoke, AL 36274Directions
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 | 12.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $49 | $76 | — |
- CapitalNet worth ratio12.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$49Peers’ 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 Fort McClellan Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.