25 Best Credit Unions in Alabama

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Alabama State sign

If you are looking for a new financial institution in Alabama, you may want to consider a credit union instead of a conventional bank. Credit Unions are similar to traditional banks but have a lot of benefits. Some of the most significant benefits are that they are member-run, and you can get a better return on your savings accounts and lower interest rates on loans. If you are new to Alabama or just looking for a new credit union, here are the top 25 credit unions to consider.

Top Credit Unions in Alabama

RankInstitutionHeadquartersAssets# of Branches# of Customer Accounts
1Redstone Federal Credit UnionHuntsville, AL$5,454,143,00025883,482
2America’s First Federal Credit UnionBirmingham, AL$1,682,540,00019321,991
3All In Credit Union (AL)Daleville, AL$1,514,223,00026252,966
4MAX Credit UnionMontgomery, AL$1,460,586,00019206,770
5Avadian Credit UnionHoover, AL$867,917,00018168,898
6Alabama Credit UnionTuscaloosa, AL$939,531,00031164,340
7Listerhill Credit UnionMuscle Shoals, AL$876,029,00017161,943
8Apco Employees Credit UnionBirmingham, AL$3,006,802,00015151,208
9Family Security Credit UnionDecatur, AL$686,741,00020137,881
10Guardian Credit Union (AL)Montgomery, AL$574,065,00015135,337
11Alabama One Credit UnionTuscaloosa, AL$630,401,00012121,837
12Family Savings Credit UnionGadsden, AL$434,578,0009114,712
13Five Star Credit UnionDothan, AL$463,276,0001791,303
14ASE Credit Union (AL)Montgomery, AL$323,920,0001089,968
15Legacy Community Federal Credit UnionBirmingham, AL$478,509,000872,051
16WinSouth Credit UnionGadsden, AL$264,101,000860,758
17New Horizons Credit UnionMobile, AL$196,684,0001059,893
18AOD Federal Credit UnionOxford, AL$325,066,000658,774
19Alabama Teachers Credit UnionGadsden, AL$343,754,000651,527
20Mutual Savings Credit UnionHoover, AL$173,443,000949,496
21Coosa Pines Federal Credit UnionChildersburg, AL$250,740,000641,604
22Fort McClellan Credit UnionAnniston, AL$212,598,000637,372
23TVA Community Credit UnionMuscle Shoals, AL$335,593,000934,285
24Alabama Central Credit UnionBirmingham, AL$152,863,000932,886
25eCO Credit UnionBirmingham, AL$144,668,000729,693

1. Redstone Federal Credit Union

Redstone Federal Credit Union is headquartered in Huntsville, AL, and has twenty-five branches throughout the state. They got started in 1951 with 11 members and have grown to over 882,482 customer accounts. RFCU® offers personal and business account options, including checking, savings, cash management, certificates, credit cards, and loans. They offer different investment options like 401k, IRA, and mutual funds. If you need insurance, they offer auto, travel, life, disability, and homeowners’ insurance options. If you just need information, on its website, there are plenty of tips for buying a car, life advice, planning for college, buying a house, financial resources, and more. Redstone is committed to competitive rates, better service, lower fees, and providing trusted advice. 

Visit WebsiteCustomer Service: 1-800-243-1234

2. America’s First Federal Credit Union

America’s First Federal Credit Union, also referred to as AmFirst, was founded during the Great Depression on July 23, 1936. AmFirst has nineteen branches throughout Alabama, with the headquarters in Birmingham. Currently, they serve 321,991 customer accounts and have a 5-star rating from BauerFinancial.  AmFirst offers a variety of personal and business checking and savings accounts, lines of credit, loans, and IRA options.  There are also many educational materials and even the opportunity for financial workshops and presentations for your business or school, some of which are hands-on. AmFirst promises that its members come first. 

Visit WebsiteCustomer Service: 1-800-633-8431

3. All In Credit Union

All In Credit Union began as Army Aviation Center Federal Credit Union in 1966 during the height of the Vietnam Conflict, but the name didn’t change to All In until 2019. Over the years, membership expanded, and they currently have 252,966 customer accounts. There are twenty-six branches in Alabama, with the primary branch location in Daleville. All In offers different account options, including checking, savings, share certificates, youth accounts, money transfers, money market, loans, and even insurance. All In Credit Union has consistently received the 5-Star Rating from BauerFinancial, Inc. in addition to numerous awards from local, state, and national organizations. 

Visit WebsiteCustomer Service: 1-800-448-4096

4. MAX Credit Union

Max Credit Union was founded in 1955 with 15 airmen and the Director of the Management and Training office from the Maxwell Air Force Base, each putting $125 into a cigar box. Today the credit union has grown to over 206,770 customer accounts, with nineteen locations in Alabama, with its main branch in Montgomery. Max CU offers personal and business account options, including checking, savings, certificates, wealth management, credit cards, loans, and insurance. Max is on call 24/7, and you can complete almost any transaction you would finish in a branch with JennyMax. 

Visit WebsiteCustomer Service: 1-800-776-6776

5. Avadian Credit Union

Avadian Credit Union began as Alabama Telco in 1934 with seven members and only $70. The name changed to Avadian Credit Union in 2015, and the main branch is located in Hoover, Alabama. Over the years, they have grown to eighteen branches and over 168,898 customer accounts. Avadian offers personal and business account options, including checking, savings, investments, insurance, loans, credit cards, loans, and even payroll services. Being a credit union member can also bring you rewards and discounts with the Love My Credit Union Rewards discount program – discounts on things like hotels, theme parks, movie tickets, and more. 

Visit WebsiteCustomer Service: 1-888-282-3426

6. Alabama Credit Union

Alabama Credit Union was founded in 1956 and is known for its personal service, low-cost loans, and higher-than-average dividends on deposits. Its main branch is in Tuscaloosa, Alabama, and there are a total of thirty-one branches throughout the state, with over 164,340 customer accounts. Alabama Credit Union offers personal, business, and student account options, including checking, savings, CDs, money market accounts, IRAs, loans, credit cards, and even vehicles for sale. Alabama Credit Union provides a lot of online financial resources and even healthy living recipes and tips. 

Visit WebsiteCustomer Service: 1-888-817-2002

7. Listerhill Credit Union

In 1952 seven Reynolds Metals employees founded the Listerhill Credit Union with $5 each, with the credit union operation fully starting in 1953. Listerhill Credit Union has grown substantially over the years, with more than 161,943 customer accounts. The main branch is located in Muscle Shoals, but there are a total of seventeen locations throughout Alabama. Listerhill Credit Union offers personal and business account options, including checking, share savings, certificates, explorer rewards, Christmas club, IRAs, loans, and credit cards. Listerhill believes in “people helping people” and allows its employees to volunteer their time and talent to local charities and non-profit organizations. 

Visit WebsiteCustomer Service: 1-800-239-6033

8. Apco Employees Credit Union

The vision of APCO Employees Credit Union is “Provide Value and Help our Members Do Better Financially.” APCO has been around since 1953, making its vision a reality currently serving over 151,208 customer accounts. APCO Employees Credit Union has fifteen locations in Alabama, its headquarters being in Birmingham. Account options include checking, share savings, CDs,  Christmas club, IRAs, and loans. The credit union also sells repossessed vehicles and real estate through a bid process – vehicles and real estate are posted on its website. 

Visit WebsiteCustomer Service: 1-800-249-2726

9. Family Security Credit Union

Family Security Credit Union has been serving members across Alabama for over 60 years, with over 137,881 customer accounts. There are twenty branches in Alabama, with the main location being in Decatur. Family Security Credit Union offers personal and business account options, including checking, savings, share certificates, youth accounts, credit cards, IRAs, loans, insurance, and investment services. Family Security Credit Union regularly fundraises for numerous organizations, volunteers, and provides financial counseling at no cost for members that express a need for the service.

Visit WebsiteCustomer Service: 1-800-239-5515

10. Guardian Credit Union

Guardian Credit Union was founded in 1958 to provide financial services to those in the Alabama National Guard. Since then, Guardian Credit Union has expanded to more than 135,337 customer accounts, including those that live, work, worship, or attend school in the counties it serves. Guardian has fifteen branches in Alabama, and its main branch is out of Montgomery. Personal account options include checking, savings, certificates of deposit, youth accounts, money market, credit cards, wealth management, loans, and insurance. Guardian has a scholarship program, and they also consider sponsorship requests from organizations.

Visit WebsiteCustomer Service: 1-334-244-9999

11. Alabama ONE Credit Union

Alabama ONE was chartered in 1951 as TRW Federal Credit Union, and then in 1973, it changed names to Goodrich Employees Federal Credit Union. In 2001 became a community credit union and later in 2009, was renamed Alabama ONE Credit Union. There are twelve branches over the counties of Alabama with the primary location in Tuscaloosa. Over the years, the number of customer accounts has grown to more than 121,837.  Personal and business account options include checking, savings, CD, credit cards, loans, insurance, payroll distribution, and wealth advisory services. Alabama ONE offers student loan counseling, free financial counseling, debt management, and has other financial wellness information available to help you.

Visit WebsiteCustomer Service: 1-205-759-1595

12. Family Savings Credit Union

Family Savings Credit Union was founded in 1951 with $5.25 each from the pockets of seven Goodyear Tire and Rubber, Inc. employees. Since then, the Credit Union has grown to over 114,712 customer accounts with nine branches in Alabama, and the main branch is located in Gadsden. Personal and business account options include checking, savings, CD, credit cards, loans, investment, and insurance services. From time to time, Family Savings Credit Union has repossessed vehicles, campers, and homes for sale on its site for bid.

Visit WebsiteCustomer Service: 1-256-543-9530

13. Five Star Credit Union

Five Star Credit Union was founded in Cedar Springs, GA, in 1964 as the Cedar Springs Federal Credit Union. The credit union started out of a storage closet with eight members bringing $5 each. Over the years, the credit union grew, and in 1985 merged with Engelhard Credit Union. With further expansion in 1991, brought the name Five Star Federal Credit Union. There are currently more than 91,303 customer accounts over 17 branches in Alabama. The main branch sits in Dothan.  Personal and business account options include checking, savings, certificates, money market, youth accounts, credit cards, loans, IRA, and pension plans. Five Star sponsors schools in the 18 counties it serves to help provide financial education for middle and high school students.

Visit WebsiteCustomer Service: 1-888-619-1711

14. ASE Credit Union

The Alabama State Credit Union, also known as ASE Credit Union, began in the basement of the Alabama State Capital in 1954  with 15 state Employees and $265 in beginning shares. Over the years, they have grown to a total of over 89,968 customer accounts. Personal and business account options include checking, savings, share certificates, loans, credit cards, and IRA. If you are a member 18 and older, you will receive complimentary $1,000 Accidental Death and Dismemberment Insurance coverage, and you can purchase additional coverage at group rates. 

Visit WebsiteCustomer Service: 1-334-270-9011

15. Legacy Community Federal Credit Union

LCFCU began in 1955 as University Credit Union to serve the education and healthcare industries. At the beginning of 2006, membership expanded and the name was changed to Legacy Community Federal Credit Union. Legacy has grown to over 72,051 customer accounts over the years. The main branch is located in Birmingham, Alabama, with eight branches in the surrounding 7-county metropolitan area. Legacy Community Federal Credit Union offers many different account options, including checking, savings, loans, credit cards, and investment accounts. A new digital banking platform and the mobile app just launched in August of 2020 for all of your banking needs on the go. 

Visit WebsiteCustomer Service: 1-800-828-0103

16. WinSouth Credit Union

The WinSouth Credit Union began in the 1950s  as a safe space for Etowah Steelworkers. Since then, it has grown to 60,758 customer accounts and is firmly grounded in the south’s values. There are eight branches across northeast Alabama with the main branch located in Gadsden. WinSouth Credit Union offers many different personal and business account options, including checking, savings, youth and teen accounts, money market, share certificates, loans, and IRAs. WinSouth loves giving back to the community – they accept sponsorship and donation requests. There are also multiple college scholarship opportunities each year.

Visit WebsiteCustomer Service: 1-800-757-7302

17. New Horizons Credit Union

New Horizons Credit Union was founded in 1950 as the H&W Company Credit Union. The credit union changed names twice after opening before becoming what it is today, the New Horizons Credit Union. Today, New Horizons has over 59,893 customer accounts. There are ten branches in Alabama with the main branch in Mobile. New Horizons Credit Union offers many different account options, including checking, savings, youth accounts, money market, certificates, loans, IRAs, and investment services. From time to time, the credit union has repossessed property for sale in which you have the opportunity to place a bid on the maximum price you are willing to pay for the vehicle or property. 

Visit WebsiteCustomer Service: 1-800-824-3610

18. AOD Federal Credit Union

AOD Federal Credit Union was federally chartered in 1950 with an original group of 45 members who were all employed by the Anniston Ordnance Depot. AOD has grown to over 58,774 customer accounts with six total branches in the Oxford-Anniston metropolitan area. The main branch is located in Oxford. AOD Federal Credit Union offers many personal and business account options, including checking, savings, share certificates, credit cards, loans, IRAs, and insurance. AOD Federal Credit Union rewards its youth members with Report Card Rewards. Youth members grades K-12  are eligible to have money deposited into their savings account for receiving an “A,” “B,” or “C” in the four core subjects. 

Visit WebsiteCustomer Service: 1-800-637-0299

19. Alabama Teachers Credit Union

Alabama Teachers Credit Union was organized in 1959 with the name Etowah Teachers Credit Union. In 1989 the credit union converted from federal to state charter and changed names to Alabama Teachers Credit Union. In 2001, Alabama Teachers Credit Union expanded membership to include anyone in Calhoun, Cherokee, Dekalb, Etowah, and Marshall. Today the credit union has over 51,527 customer accounts with six branches. The main branch is located in Gadsden, Alabama. Alabama Teachers Credit Union offers many personal and business account options, including checking, savings, share certificates, money market, youth accounts, credit cards, loans, IRAs, and wealth management. Alabama Teachers Credit Union has educational videos on its website regarding elder financial abuse or exploitation, scams targeting seniors, and frauds, and cyberthreats. 

Visit WebsiteCustomer Service: 1-800-470-0704

20. Mutual Savings Credit Union

Mutual Savings Credit Union was chartered in 1936. MSCU is proudly rooted in the Central Alabama region as the credit union was organized to serve the employees of U.S. Steel’s Fairfield Works. Today Mutual Savings Credit Union has over 49,496 customer accounts. MSCU serves 13 counties in Alabama with nine total branches. The main branch is located in Hoover. There are many personal and business account options, including checking, savings, share certificates, money market, loans, and IRAs. MSCU keeps all mortgages in house, and they don’t sell them on the secondary market. They don’t require PMI and can finance up to 90 percent, and offer closing costs much lower than other lenders. 

Visit WebsiteCustomer Service: 1-800-950-6728

21. Coosa Pines Federal Credit Union

Coosa Pines Federal Credit Union was chartered in 1950 by a small group of paper mill employees. Today, the credit union has over 41,604 customer accounts. Coosa Pines has six branches over six counties with the main branch located in Childersburg, Alabama.  Coosa Pines Federal Credit Union offers many personal and business account options, including checking, savings, share certificates, prepaid cards, and loans. From time to time, Coosa Pines Federal will have repossessed property for sale on its website. Financial Education worksheets of varying difficulty are available on the resource page for youth. 

Visit WebsiteCustomer Service: 1-800-237-9789

22. Fort McClellan Credit Union

Fort McClellan Credit Union was started in 1953 to serve military and civilian personnel stationed at Fort McClellan, Alabama. In the years since membership has expanded to include residents in the surrounding counties. There are now over 37,372 customer accounts. Fort McClellan Credit Union has six total branches, with the main branch being located in Anniston. FMCU offers a variety of financial services, from basic checking and savings to certificates and IRA accounts to loans and credit cards. Sound, Solid, Safe is their motto. 

Visit WebsiteCustomer Service: 1-800-642-1220

23. TVA Community Credit Union

TVA Community Credit Union was founded in 1936 as Muscle Shoals TVA Employees Federal Credit Union. Over time the credit union moved from federally chartered to state-chartered, expanded membership to cover seven North Alabama Counties, and had a name update to TVA Community Credit Union. Currently, TVA has over 34,285 customer accounts.  There are nine branches, with the main location in Muscle Shoals. TVACCU offers various financial services, from basic checking and savings and investments to loans and credit cards. TVACCU loves to hear the opinions of its members. They currently have a mystery shopper program, and will pay you $10 – $25 to evaluate your service secretly through an online form – spaces are limited. 

Visit WebsiteCustomer Service: 1-888-274-2128

24. Alabama Central Credit Union

Alabama Central Credit Union was founded in 1938 to help people improve their lives and achieve their financial goals. Currently, Alabama Central Credit Union has over 32,886 customer accounts.  There are nine branches in Alabama, with the main location in Birmingham. Alabama Central CU offers many personal and business account options, including checking, savings, share certificates, money market, Individual Retirement Accounts, credit cards, and loans. Other services are available as well if you need them. Notary service is available free for members at every branch location. Safe Deposit Boxes (4 different sizes) are available at two different branches for an affordable annual rental fee as long as your account is in good standing.

Visit WebsiteCustomer Service: 1-205-941-1010

25. ēCO Credit Union

ēCO Credit Union began in 1939 under the name Jefferson County Teachers Credit Union, serving the teachings of Jefferson County. Since then, ēCO has expanded to serve people who live, work, worship, and attend school in multiple counties in Alabama. ēCO Credit Union has seven branches, with the main location in Birmingham. There are various options: checking, savings, certificates of deposit, money market, Individual Retirement Accounts, line of credit, and loans. Members get $100 for each new line they activate with Sprint. 

Visit WebsiteCustomer Service: 1-205-226-3900

What is the largest credit union in Alabama? 

The largest credit union in the state of Alabama is Redstone Federal Credit Union. Redstone Federal Credit Union started with 11 original members putting $5 each in a shoebox, and that $5 is still the membership fee today. Now they have $5,454,143,000 total in assets and 883,482 members included within their credit union family. They have a total of 25 branches and are considered one of the top 25 largest federal credit unions in the country. 

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