Avadian Credit Union

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A short history of Avadian CU

Since its inception in 1934 the Avadian 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 Linda Cencula, the Avadian CU has grown its membership to over 76,380 with assets of more than $752,879,861. They have a main office and 19 branch offices. Please see the credit unions website or contact them by phone at (205) 985-2828 or email them at member.service@alatelco.org 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 Avadian CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68583
Address PO BOX 360287 
State Alabama 
Zip-Code 35236
Phone Number (205) 985-2828
Fax Number () -
Email Address: member.service@alatelco.org
CEO/President Linda Cencula
Members 76,380 
Full-Time Employees 217 
Part-Time Employees 15 
Number of Branch Offices 19 
Total Assets 752,879,861 
Website http://www.alatelco.org 

Compare Avadian Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Alabama Postal CU Alabama Postal Credit Union postal Credit Union 351 24th St N 35202 (205) 252-4812 No 0.12
Jefferson Credit Union CU Hoover 5261 Ross Bridge Pkwy 35226 (205) 444-4528 No 0.34
Apco Employees CU Jasper 706 20th Ave E 35501 (205) 221-4238 No 0.69
Social Security CU Social Security Credit Union 1200 Reverend Abraham Woods Jr Blvd 35201 (205) 323-7028 No 0.77
City Of B'ham General Employees CU City of Birmingham General Employees Credit Union 708 17th St N 35203 (205) 583-4654 No 0.86

Avadian Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Avadian 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 11.74 4.07 4.07 4.20 4.42
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 396 289 211 169 158
Rank Among All Alabama Credit Unions 22 34 21 14 14

Avadian Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.04 0.21 0.34 1.52 0.43
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 128 106 91 89 238
Rank Among All Alabama Credit Unions 14 17 11 7 25
Avadian Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.74011,07323,784,335
All Other Unsecured Loans/Lines of Credit 11.5109,13210,627,735
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.0702,93159,559,412
Used Vehicle Loans 4.07010,064130,956,639
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.2001,144160,418,906
Total Other Real Estate Loans/Lines of Credit 4.4202,33870,983,999
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.7501,88024,174,276
TOTAL LOANS & LEASES 38,562480,505,302

Avadian 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 15222,542,03817234,061,443
    b. 15 Years or less 66974,367,9185413,549,260
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 8466,27400
Adjustable Rate 1 yr or less 686,455,56971,601,080
Adjustable Rate > 1 yr 24756,587,107203,349,500


Closed-End Fixed Rate 1362,419,230371,600
Closed-End Adjustable Rate 5448,66200
Open-End Adjustable Rate 2,19768,116,1072176,630,621
Open-End Fixed Rate 0000
TOTALS 3,482231,402,90547359,263,504


Interest Only & Payment Option 1st Mortgage Loans 385,540,5742,755,686
Interest Only & Payment Option Other RE/LOC Loans 2,19468,806,7426,630,621
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Avadian Credit Union Member Offerings
First Time Homebuyer Program Yes
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 No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes