Alabama Central Credit Union

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A short history of Alabama Central CU

Since its inception in 1938 the Alabama Central Credit Union has been serving its members in the BIRMINGHAM, Alabama area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Brad Haddock, the Alabama Central CU has grown its membership to over 17,946 with assets of more than $139,302,555. They have a main office and 8 branch offices. Please see the credit unions website or contact them by phone at (205) 510-1300 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BIRMINGHAM, AL.

General Information For Alabama Central CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60712
Address 3601 4TH AVE S 
State Alabama 
Zip-Code 35222
Phone Number (205) 510-1300
Fax Number (205) 595-8078
Email Address:
CEO/President Brad Haddock
Members 17,946 
Full-Time Employees 52 
Part-Time Employees
Number of Branch Offices
Total Assets 139,302,555 

Compare Alabama Central Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
O'neal CU ONeal Credit Union 744 41st St N 35202 (205) 599-8010 No 1.00
Alabama Postal CU Alabama Postal Credit Union postal Credit Union 351 24th St N 35202 (205) 252-4812 No 1.94
S R I Employees CU Location of Records 2011 9th Ave S Ste 200C 35205 (205) 250-5182 No 2.20
Jefferson Credit Union CU Hoover 5261 Ross Bridge Pkwy 35226 (205) 444-4528 No 2.37
Federal Employees CU Federal Employees Credit Union 1509 4th Ave S 35233 (205) 322-4026 No 2.68

Alabama Central Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Alabama Central Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 7.90 1.99 2.99 3.75 7.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 85 34 91 102 431
Rank Among All Alabama Credit Unions 2 3 11 7 43

Alabama Central Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 0.15 0.50 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 124 263 227
Rank Among All Alabama Credit Unions N/A 19 19 33 23
Alabama Central Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.9003,8987,542,750
All Other Unsecured Loans/Lines of Credit 9.9502,5284,793,962
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.9903196,570,970
Used Vehicle Loans 2.9904,38547,947,836
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.75043024,661,708
Total Other Real Estate Loans/Lines of Credit 7.0001553,430,637
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.0008229,424,503
TOTAL LOANS & LEASES 12,537104,372,366

Alabama Central Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 18455,49700
    b. 15 Years or less 16411,504,585221,801,000
    a. > 15 years 744,136,56300
    b. 15 Years or less 525,543,54700
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1223,021,5169347,539
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 4718,56100
Closed-End Adjustable Rate 5217,45900
Open-End Adjustable Rate 1462,494,61721655,346
Open-End Fixed Rate 0000
TOTALS 58528,092,345522,803,885


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Alabama Central Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes