Opp-micolas Credit Union

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A short history of Opp-micolas CU

Since its inception in 1954 the Opp-micolas Credit Union has been serving its members in the OPP, 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 KYLER FRAZIER, the Opp-micolas CU has grown its membership to over 1,978 with assets of more than $13,005,457. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (334) 493-6434 or email them at DDEAN@EPLINC.COM to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in OPP, AL.

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

Charter Number 62486
Address P O DRAWER 70 
City OPP 
State Alabama 
Zip-Code 36467
Phone Number (334) 493-6434
Fax Number (334) 493-2357
Members 1,978 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 13,005,457 

Compare Opp-micolas Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Andalusia Mills Employees Credit As CU Andalusia Mills Employees Credit Association 200 Waits Dr 36421 (334) 427-3616 No 11.46
Covington Schools CU Covington Schools Federal CU 931 River Falls St 36420 (334) 222-2169 No 12.85
Iam Community CU IAM Commnuity Federal Credit Union Daleville Branch 467 S Daleville Ave 36322 (334) 598-6361 No 25.52

Opp-micolas Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Opp-micolas 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 N/A N/A 8.00 6.90 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A N/A 630 433 N/A
Rank Among All Alabama Credit Unions N/A N/A 65 41 N/A

Opp-micolas 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 N/A 0.25 0.25
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 N/A 310 266
Rank Among All Alabama Credit Unions N/A 16 N/A 39 30
Opp-micolas Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 18.0006633,956
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 0.00000
Used Vehicle Loans 8.0002071,156,998
Total 1st Mortgage Real Estate Loans/Lines of Credit 6.900932,181,861
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 12.00063638,765
TOTAL LOANS & LEASES 4294,011,580

Opp-micolas 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 0000
    b. 15 Years or less 932,181,86111444,559
    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 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 932,181,86111444,559


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

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