Deposit Product Disclosures

Contact a credit union employee for more details on our products and current rates.

*Annual Percentage Yield (APY) is valid as of the last dividend declaration date of 7/1/2023. Rates are subject to change without notice. $5 membership fee required.

¹$1,000 minimum to open and to obtain APY unless otherwise specified. Fees could reduce earnings on the account. Penalties for early withdrawal may apply. Certificate of Deposits automatically renew for another term at the rate and early withdrawal penalty in effect at the date of maturity for that Certificate of Deposit type. Dividends are compounded and paid quarterly.

²$1,000 minimum to open and to obtain APY unless otherwise specified. Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Account(s) qualify for relationship enhancement. Dividend Rate may vary according to the number of products obtained. Relationship enhancement does not automatically apply to accounts where balance exceeds threshold balance $500,000 or greater. If balance goes over threshold, the member receives whichever dividend rate is greater between 3.00% or 1.00% plus enhancements. Qualified products may include, but are not limited to Digital Experience (requires Checking, e-Statements, and registered Online Banking Access), Consumer Credit Card, Consumer Secured Loan, Consumer Mortgage Loan/HELOC Loan, Commercial/Agriculture Loan, Commercial Credit Card, Ascend Fund, Wealth Relationship. Account(s) are reviewed monthly for eligibility. For each of the listed enhancements; your account will receive an additional 0.40% dividend rate up to a maximum additional of 3.20% dividend rate. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

³Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Savings account dividends are compounded and paid quarterly. Checking account dividends are compounded and paid monthly. Christmas Club and Saver’s Club account dividends are compounded and paid annually. Little ONE Member Savings Club account dividends are compounded and paid quarterly. For Christmas Club accounts the entire balance will be paid to you by check or transferred to another account of yours on or after October 31 and the account will remain open. Saver’s Club accounts, the entire balance will be transferred to another account of yours on a day of your choosing and account will remain open.

⁴$1,000 minimum to open and to obtain APY unless otherwise specified. Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

NMLS 401726
WSJ Prime Rate: 8.50%

* APR=Annual Percentage Rate
** CLTV=Combined Loan to Value, proposed loan amount of 2nd mortgage/HELOC plus first mortgage compared to sales price or appraised value of property (lower of the two values). These rate offers are subject to change. Rates displayed are "as low as " rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Fixed Rates quoted require a loan origination fee of 1.00%. This is not an offer of credit and is subject to the terms and conditions of Alabama ONE Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.
***Insured: Is an increased rate to cover the insurance on loans with CLTV over 90% or higher risk criteria.

APR = Annual Percentage Rate Other loan types available. Call for rates. **Annual percentage rates are based on credit worthiness. Contact a loan officer to determine what your rate will be. Subject to credit approval. All credit union lending policies apply. Subject to some restrictions. All rates are subject to change. Alabama One now offers 0.25% off of the lowest rate that the member qualifies for if the member sets the loan up on payroll distribution or auto draft. (Consumer loans only, excluding deposit secured. Risk tier matrix only loans.)