Routing: 262277189

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Competitive Rates on Deposits and Loans

Maximizing Your Financial Flexibility

Experience the best of both worlds with our attractive deposit and loan rates, designed to enhance your financial growth and empower your borrowing. Let us help you navigate your financial journey with rates tailored for your success and stability

Deposit Account Rates

Certificates of Deposit Accounts1
Money Market Accounts2
Ascend Checking2
Club Accounts3
Savings Accounts3
Certificate IRA (Traditional & Roth)1
IRA Money Market (Traditional & Roth)4

Certificates of Deposit Accounts1

Personal CDs qualify for the Jumbo Rate on balances of $250,000 or more, renewed at the rate and penalty in place at the time of renewal. Commercial Accounts and Co-ops qualify for a special rate enhancement. Email partner@alabamaone.org for more information.
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Term Dividend Rate APY*
6 Month 4.43% 4.50%
12 Month 4.72% 4.80%
18 Month 4.33% 4.40%
24 Month 4.23% 4.30%
36 Month 4.04% 4.10%
48 Month 3.94% 4.00%
60 Month 3.80% 3.85%

Money Market Accounts2

This account is part of the credit union's loyalty program. Ask us about how you can earn more on your AOCU MMA.
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Dividend Rate APY*
under $1,000.00 0.00% 0.00%
$1,000 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.00% 1.00%
$25,000 - $99,999.99 1.00% 1.00%
$100,000 - $249,999.99 1.00% 1.00%
$250,000 - $499,999.99 1.00% 1.00%
$500,000 or greater 3.00% 3.04%

Ascend Checking2

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Dividend Rate APY*
under $5,000.00 0.00% 0.00%
$5,000 - $499,999.99 2.00% 2.02%
$500,000 or greater 3.00% 3.04%

Club Accounts3

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Dividend Rate APY*
Christmas Club 1.00% 1.00%
Saver's Club 1.00% 1.00%
Little ONE Membership Savings 1.00% 1.00%

Savings Accounts3

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Dividend Rate APY*
under $1,000 0.00% 0.00%
$1,000 or greater 0.20% 0.20%

Certificate IRA (Traditional & Roth)1

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Term Dividend Rate APY*
6 Month 4.63% 4.71%
12 Month 4.92% 5.01%
18 Month 4.53% 4.61%
24 Month 4.43% 4.50%
36 Month 4.24% 4.31%
48 Month 4.14% 4.20%
60 Month 4.00% 4.06%

IRA Money Market (Traditional & Roth)4

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Dividend Rate APY*
under $1,000.00 0.00% 0.00%
$1,000 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.00% 1.00%
$25,000 - $99,999.99 1.00% 1.00%
$100,000 - $249,999.99 1.00% 1.00%
$250,000 - $499,999.99 1.00% 1.00%
$500,000 and greater 3.00% 3.04%

Deposit Product Disclosures

Contact a credit union employee for more details on our products and current rates.

*Annual Percentage Yield (APY) is valid as of the last dividend declaration date of 11/01/2024. Rates are subject to change without notice. $5 membership fee required.

1$1,000 minimum to open and to obtain APY unless otherwise specified. Fees could reduce earnings on the account. Penalties for early withdrawal may apply. Certificate of Deposits automatically renew for another term at the rate and early withdrawal penalty in effect at the date of maturity for that Certificate of Deposit type. Dividends are compounded and paid quarterly.

²$1,000 minimum to open and to obtain APY unless otherwise specified. Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Account(s) qualify for relationship enhancement. Dividend Rate may vary according to the number of products obtained. Relationship enhancement does not apply to accounts where balance exceeds threshold balance $500,000 or greater. Qualified products may include, but are not limited to Digital Experience (requires Checking, e-Statements, and registered Digital Banking Access), Consumer Credit Card, Consumer Secured Loan, Consumer Mortgage Loan/HELOC Loan, Commercial/Agriculture Loan, Commercial Credit Card, Ascend Fund, Wealth Relationship. Account(s) are reviewed monthly for eligibility. For each of the listed enhancements; your account will receive an additional 0.20% dividend rate up to a maximum additional of 1.60% dividend rate. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

3Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Savings account dividends are compounded and paid quarterly. Checking account dividends are compounded and paid monthly. Christmas Club and Saver’s Club account dividends are compounded and paid annually. Little ONE Member Savings Club account dividends are compounded and paid quarterly. For Christmas Club accounts the entire balance will be paid to you by check or transferred to another account of yours on or after October 31 and the account will remain open. Saver’s Club accounts, the entire balance will be transferred to another account of yours on a day of your choosing and account will remain open.

⁴$1,000 minimum to open and to obtain APY unless otherwise specified. Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

Mortgage Product Rates

Real Estate Loans
Home Equity Lines of Credit (HELOC)
5 Year Fixed 2nd Mortgage
10 Year Fixed 2nd Mortgage
15 Year Fixed 2nd Mortgage

Real Estate Loans

Rates as of 11/20/2024 (Rates are subject to change)

For example, $150,000 at 6.875% rate with 7.003% APR, 30 year mortgage has a monthly payment of $972 including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan

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1st Mortgage Rate APR*
30 year Fixed Starts at 7.125% 7.3326% APR*
20 year Fixed Starts at 6.750% 7.0125% APR*
15 year Fixed Starts at 6.375% 6.6948% APR*
10 year Fixed Starts at 6.125% 6.5698% APR*

Home Equity Lines of Credit (HELOC)

The minimum loan amount is $10,000 for a HELOC. Variable interest rate for HELOC based on Prime Rate +.50% to Prime Rate +2.25%, based on Loan to Value currently ranging from 9.084% to 10.840%. APR based on Prime Rate of 8.50% as of 05/01/2024 but will never be more than 18.00%.
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HELOC Rate: Uninsured/Insured*** APR*: Uninsured/Insured***
≤ 60% CLTV** 8.50% (Prime + .50%)/10.25% (Prime +2.25%) 9.084%/10.840% APR*
61%-80% CLTV** 9.00% (Prime + 1.00%)/10.25% (Prime +2.25%) 9.586%/10.840 %APR*
81%-90% CLTV** 9.50% (Prime + 1.50%/)10.25% (Prime +2.25%) 10.087%/10.840% APR*
≥ 91% CLTV** NA/10.25% (Prime + 2.25%) NA/10.840% APR*

5 Year Fixed 2nd Mortgage

The minimum loan amount is $10,000 for a Fixed Second Mortgage. Interest rate range for Fixed Second Mortgage is 7.00% to 12.25%. For example, $50,000 at 9.00% rate with 9.630% APR, 15year second mortgage has a monthly payment of $507, not including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan

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2nd Mortgage 5 Year Fixed Rate: Uninsured/Insured*** APR*: Uninsured/Insured***
≤ 60% CLTV** 8.00%/10.00% 8.545% APR*/10.578% APR*
60.01-80% CLTV** 8.25%/10.25% 8.799% APR*/10.832% APR*
80.01-85% CLTV** 8.50%/10.50% 9.053% APR*/11.086% APR*
85.01-90% CLTV** 8.75%/10.75% 9.307% APR*/11.340% APR*
90.01-95% CLTV** NA/11.00% NA/11.594% APR*
≥ 95.01% CLTV** NA/11.25% NA/11.849% APR*

10 Year Fixed 2nd Mortgage

The minimum loan amount is $10,000 for a Fixed Second Mortgage. Interest rate range for Fixed Second Mortgage is 7.00% to 12.25%. For example, $50,000 at 9.00% rate with 9.630% APR, 15year second mortgage has a monthly payment of $507, not including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan

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2nd Mortgage 10 Year Fixed Rate: Uninsured/Insured*** APR*: Uninsured/Insured***
≤ 60% CLTV** 9.00%/11.00% 8.847% APR*/10.882% APR*
60.01-80% CLTV** 9.25%/11.25% 9.101% APR*/11.137% APR*
80.01-85% CLTV** 9.50%/11.50% 9.356% APR*/11.391% APR*
85.01-90% CLTV** 9.75%/11.75% 9.610% APR*/ 11.646% APR*
90.01-95% CLTV** NA/12.00% NA/11.900% APR*
≥ 95.01% CLTV** NA/12.25% NA/11.849% APR*

15 Year Fixed 2nd Mortgage

The minimum loan amount is $10,000 for a Fixed Second Mortgage. Interest rate range for Fixed Second Mortgage is 7.00% to 12.25%. For example, $50,000 at 9.00% rate with 9.630% APR, 15year second mortgage has a monthly payment of $507, not including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan

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2nd Mortgage 15 Year Fixed Rate: Uninsured/Insured*** APR*: Uninsured/Insured***
≤ 60% CLTV** 10.00%/12.00% 9.630% APR*/11.671% APR*
60.01-80% CLTV** 10.25%/12.25% 9.885 APR*/11.926% APR*
80.01-85% CLTV** 10.50%/12.50% 10.140% APR*/12.181% APR*
85.01-90% CLTV** 10.75%/12.75% 10.395% APR*/12.437% APR*
90.01-95% CLTV** NA/13.00% NA/12.692% APR*
≥ 95.01% CLTV** NA/13.25% NA/12.947% APR*

Alabama ONE NMLS 401726
WSJ Prime Rate: 8.50%

* APR=Annual Percentage Rate
** CLTV=Combined Loan to Value, proposed loan amount of 2nd mortgage/HELOC plus first mortgage compared to sales price or appraised value of property (lower of the two values). These rate offers are subject to change. Rates displayed are "as low as " rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Fixed Rates quoted require a loan origination fee of 1.00%. This is not an offer of credit and is subject to the terms and conditions of Alabama ONE Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.
***Insured: Is an increased rate to cover the insurance on loans with CLTV over 90% or higher risk criteria.


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Consumer Loan Rates

Consumer (Auto, Boat, ATV, etc.) Loans

Consumer (Auto, Boat, ATV, etc.) Loans

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Personal Line of Credit (Call 800-225-0110 or 205-759-1595 for Current Rates)
Personal Signature Loan (Call 800-225-0110 or 205-759-1595 for Current Rates)
New and Used Vehicles** (Call 800-225-0110 or 205-759-1595 for Current Rates)
New and Used Boat, Personal Watercraft, Motorcycle** (Call 800-225-0110 or 205-759-1595 for Current Rates)

Other loan types available. Call for rates. **Annual percentage rates are based on credit worthiness. Contact a loan officer to determine what your rate will be. Subject to credit approval. All credit union lending policies apply. Subject to some restrictions. All rates are subject to change. Alabama One now offers 0.25% off of the lowest rate that the member qualifies for if the member sets the loan up on payroll distribution or auto draft. (Consumer loans only, excluding deposit secured. Risk tier matrix only loans.)

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