Credit union · NCUA insured
Mobile Educators Credit Union
A $113M credit union headquartered in Mobile, AL, with 8,012 members and 4 branches in Alabama. Best rates: CDs 3.04% and savings 0.30% APY.
Mobile Educators Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#17 of 28 in Mobile, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mobile Educators Credit Union
Mobile Educators Credit Union was established in 1954 to provide financial services to faculty and staff of the Mobile County School System.
The credit union is owned by its members and governed by an elected volunteer board of directors.
It serves members who live, work, or attend school in Mobile, Baldwin, Clarke, Escambia, Monroe, or Washington counties.
- Headquarters
- 3150 Airport Blvd, Mobile, AL 36606
- NCUA charter
- 61286
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, or goes to school in Mobile, Baldwin, Washington, Clarke, Monroe, or Escambia Counties.
Employers and groups
- Employees of designated employer groups are eligible for membership.
Military, government and schools
- Employees of specified educational institutions and municipal/government entities in the area are eligible to join.
Family and household
- Family members (mother, father, sister, brother, children, and grandchildren) of all credit union members are eligible to join.
Branches
4 branches in Alabama
Loading map…
Alabama
4 branches
Mobile area · 3
- Main OfficeMain office3150 Airport Blvd, Mobile, AL 36606Directions
- West Mobile7730 Cottage Hill Rd, Mobile, AL 36695Directions
- Saraland12 Saraland Blvd N, Saraland, AL 36571Directions
Daphne area · 1
- Daphne7028 US Highway 90, Daphne, AL 36526Directions
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 | 13.20% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.74% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $13 | $76 | — |
- CapitalNet worth ratio13.20%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.74%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$13Peers’ 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 Mobile Educators Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.