RANKING ·
Lowest cost of shares and deposits in Alabama
36 of 88 credit unions in Alabama that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Cost of all shares and deposits, annualized for the quarter | Total assets |
|---|---|---|---|---|
| 1 | Mobile Educators Credit Union | Mobile, AL | 0.28% | $113 million |
| 2 | Eco Credit Union | Birmingham, AL | 0.95% | $195 million |
| 3 | Aod Federal Credit Union | Bynum, AL | 0.97% | $467 million |
| 4 | North Alabama Educators Credit Union | Huntsville, AL | 1.00% | $143 million |
| 5 | Fort Mcclellan Credit Union | Anniston, AL | 1.06% | $224 million |
| 6 | Four Seasons Federal Credit Union | Opelika, AL | 1.11% | $104 million |
| 7 | Redstone Federal Credit Union | Huntsville, AL | 1.14% | $8.6 billion |
| 8 | New Horizons Credit Union | Mobile, AL | 1.18% | $304 million |
| 9 | Family Security Credit Union | Decatur, AL | 1.19% | $1.1 billion |
| 10 | Alabama Central Credit Union | Birmingham, AL | 1.26% | $214 million |
| 11 | Mutual Savings Credit Union | Birmingham, AL | 1.38% | $243 million |
| 12 | Tva Community Credit Union | Muscle Shoals, AL | 1.41% | $429 million |
| 13 | Max Credit Union | Montgomery, AL | 1.42% | $2.4 billion |
| 14 | Alatrust Credit Union | Hoover, AL | 1.43% | $224 million |
| 15 | Coosa Pines Federal Credit Union | Childersburg, AL | 1.45% | $421 million |
| 16 | Acipco Federal Credit Union | Birmingham, AL | 1.47% | $221 million |
| 17 | Legacy Community Federal Credit Union | Birmingham, AL | 1.49% | $727 million |
| 18 | America'S First Federal Credit Union | Birmingham, AL | 1.50% | $2.8 billion |
| 19 | Heritage South Credit Union | Sylacauga, AL | 1.52% | $184 million |
| 20 | Valley Credit Union | Tuscumbia, AL | 1.57% | $113 million |
| 21 | Winsouth Credit Union | Gadsden, AL | 1.63% | $479 million |
| 22 | Auburn University Credit Union | Auburn, AL | 1.64% | $268 million |
| 23 | Alabama State Employees Credit Union | Montgomery, AL | 1.67% | $471 million |
| 24 | Listerhill Credit Union | Sheffield, AL | 1.83% | $1.5 billion |
| 25 | Railroad Credit Union | Irondale, AL | 1.85% | $101 million |
| 26 | Emblem Credit Union | Gadsden, AL | 1.86% | $628 million |
| 27 | Avadian Credit Union | Birmingham, AL | 1.94% | $1.4 billion |
| 28 | Riverfall Credit Union | Tuscaloosa, AL | 1.95% | $194 million |
| 29 | Alabama One Credit Union | Tuscaloosa, AL | 2.00% | $1.5 billion |
| 30 | Family Savings Credit Union | Rainbow City, AL | 2.03% | $1.2 billion |
| 31 | Southern Energy Credit Union | Birmingham, AL | 2.12% | $3.6 billion |
| 32 | Alabama Credit Union | Tuscaloosa, AL | 2.16% | $2.1 billion |
| 33 | Five Star Credit Union | Dothan, AL | 2.21% | $1.3 billion |
| 34 | Guardian Credit Union | Prattville, AL | 2.47% | $1.3 billion |
| 35 | Naheola Credit Union | Pennington, AL | 2.51% | $220 million |
| 36 | All in Federal Credit Union | Daleville, AL | 2.69% | $3.7 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings