Accounts Built for Members, Not Wall Street
When you deposit your paycheck with Alabama Credit Union, your money works directly for your community. Unlike for-profit retail institutions that siphon fees into corporate bonuses, our cooperative structure reinvests operating surpluses right back into your accounts. That translates into lower loan rates, higher annual dividends, and virtually non-existent account maintenance penalties.
Personal Checking Accounts
Your daily financial hub should never cost you money. Our checking accounts are completely free of monthly maintenance fees, hidden minimum balance criteria, and complicated transaction rules.
Free Everyday Checking
Ideal for routine daily spending and direct deposits with zero maintenance overhead.
- $0 Monthly Maintenance Fee
- Free Visa Contactless Debit Card
- Access to 30,000+ CO-OP ATMs
- Early Direct Deposit Access
Interest-Earning Checking
Put your operational liquidity to work by earning monthly dividend interest on qualifying checking balances.
- Competitive APY Dividend Payouts
- Free Digital Bill Pay & eStatements
- Overdraft Protection Options
- Unlimited Monthly Check Writing
Savings, Money Market & Fixed Share Certificates
Whether you are preparing for rainy-day emergencies, a down payment on a new vehicle, or long-term family retirement goals, we offer deposit vehicles with transparent terms and guaranteed NCUA federal protection.
| Account Type | Minimum Opening Deposit | Dividend Rate (APY) | Account Features |
|---|---|---|---|
| Primary Share Savings | $5.00 | 1.25% APY | Establishes full credit union cooperative membership rights. |
| High-Yield Money Market | $1,000.00 | 3.65% APY | Tiered earnings with full check-writing flexibility and liquidity. |
| 12-Month Fixed Share Certificate | $500.00 | 4.40% APY | Guaranteed fixed return with quarterly dividend compound options. |
| 24-Month Fixed Share Certificate | $500.00 | 4.15% APY | Secure long-term capital preservation with competitive payout. |
| Individual Retirement Accounts (IRA) | $50.00 | 3.85% APY | Traditional and Roth IRA savings and certificates for retirement. |
*Annual Percentage Yield (APY) accurate as of today's date. Rates subject to change without prior notice. Penalty may apply for early withdrawal on certificate accounts. Federally insured to at least $250,000 by NCUA.
24/7 Digital & Mobile Banking Convenience
Your schedule doesn't stop at 5:00 PM, and neither should your banking access. The Alabama Credit Union mobile app puts state-of-the-art tools directly in the palm of your hand:
Remote Check Deposit
Deposit paper checks directly from your smartphone camera with rapid confirmation.
Integrated Bill Pay
Schedule one-time or recurring payments to utilities, mortgages, and credit providers effortlessly.
Free Credit Score Monitoring
Access daily credit updates, credit reports, and fraud warnings without impacting your score.
Instant Card Controls
Lock or unlock your debit card on demand if misplaced, and specify geographical usage limits.