Accounts are a variable rate account.  APY is valid as of the last dividend declaration date of September 1, 2020. APY and tiers are subject to change at any time.

Savings Accounts

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  Dividend Rate APY
under $1,000 0.10% 0.10%
$1,000 or greater 0.20% 0.20%

Checking Accounts

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  Dividend Rate APY
$1 - $24,999.99 0.00% 0.00%
$25,000 or greater 0.05% 0.05%

Club Accounts

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  Dividend Rate APY
Christmas Club 1.00% 1.00%
Saver's Club 1.00% 1.00%
Berenstain Bear Cub Account 1.00% 1.00%

Money Market Accounts

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  Dividend Rate APY
under $1,000.00 0.20% 0.20%
$1,000 – $9,999.99 0.35% 0.35%
$10,000 – $24,999.99 0.35% 0.35%
$25,000 – $99,999.99 0.35% 0.35%
$100,000 – $249,999.99 0.35% 0.35%
$250,000 or greater 0.35% 0.35%

Certificates of Deposit Accounts

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  Dividend Rate APY*
6-Month 0.40% 0.40%
12-Month 0.60% 0.60%
18-Month 0.65% 0.65%
24-Month 0.70% 0.70%
36-Month 0.80% 0.80%
48-Month 0.90% 0.90%
60-Month 1.00% 1.00%

*APY is accurate as of December 1, 2020 and is subject to change at any time. The rate is locked in for the term of your certificate on the day the certificate is funded.

Accumulator IRA Tier (Traditional & Roth)

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  Dividend Rate APY
under $1,000.00 0.30% 0.30%
$1,000 – $9,999.99 0.50% 0.50%
$10,000 – $24,999.99 0.50% 0.50%
$25,000 – $99,999.99 0.50% 0.50%
$100,000 – $249,999.99 0.50% 0.50%
$250,000 or greater 0.50% 0.50%

Certificate IRA (Traditional & Roth)

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  Dividend Rate APY*
6-Month 0.40% 0.40%
12-Month 0.60% 0.60%
18-Month 0.65% 0.65%
24-Month 0.70% 0.70%
36-Month 0.80% 0.80%
48-Month 0.90% 0.90%
60-Month 1.00% 1.00%

*APY = Annual Percentage Yield. A fee may reduce earnings on share accounts. For certificate accounts, penalties for early withdrawal may apply.

Real Estate (Home, Home Equity) Loans

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In-House (Call 800-225-0110 or 205-759-1595 for Current Rates)
FNMA (Call 800-225-0110 or 205-759-1595 for Current Rates)

Consumer (Auto, Boat, ATV, etc.) Loans

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Personal Line of Credit  
Personal Signature Loan  
New and Used Vehicles **  
New and Used Boat, Personal Watercraft, Motorcycle **  

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.)

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