Aod Federal Credit Union

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A short history of Aod FCU

Since its inception in 1950 the Aod Federal Credit Union has been serving its members in the BYNUM, 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 Virginia Bowen, the Aod FCU has grown its membership to over 32,864 with assets of more than $292,103,279. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (256) 237-9494 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 BYNUM, AL.

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

Charter Number 6680
Address PO BOX 608 
State Alabama 
Zip-Code 36253
Phone Number (256) 237-9494
Fax Number (256) 237-3285
Email Address:
CEO/President Virginia Bowen
Members 32,864 
Full-Time Employees 79 
Part-Time Employees
Number of Branch Offices
Total Assets 292,103,279 

Compare Aod Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Chem Family CU Chem Family Credit Union 702 Clydesdale Ave 36201 (256) 237-0651 No 6.90
Fort Mcclellan CU JACKSONVILLE 1204 CHURCH AVE SE 36265 (256) 435-5741 No 8.42
Northeast Alabama Postal CU Northeast Alabama POstal FCU 200 S Quintard Ave 36202 (256) 237-4259 No 8.57
Brassies CU 1800 Golden Springs Road Anniston, Al 36207-8324 1800 Golden Springs Rd 36202 (256) 831-7180 No 10.10
Landmark CU Landmark Credit Union 5705 Valley Rod 35064 (205) 783-9100 No 11.94

Aod Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Aod Federal 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 8.99 3.24 4.24 4.00 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 159 173 230 138 168
Rank Among All Alabama Credit Unions 7 19 22 12 15

Aod Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 0.15 0.30 0.30
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 95 124 302 259
Rank Among All Alabama Credit Unions N/A 16 19 38 28
Aod Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9904,74211,085,871
All Other Unsecured Loans/Lines of Credit 9.4902,5798,847,858
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.2401,16727,936,112
Used Vehicle Loans 4.2404,19657,686,638
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00050731,210,230
Total Other Real Estate Loans/Lines of Credit 4.5002485,223,114
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 1.25066410,427,581
TOTAL LOANS & LEASES 14,103152,417,404

Aod Federal 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 25812,250,13910541,171
    b. 15 Years or less 792,673,2786157,808
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 17016,286,813181,735,712


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2485,223,11421428,473
Open-End Fixed Rate 0000
TOTALS 75536,433,344552,863,164


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

Aod Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
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 Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes