Alabama Credit Union - Rates

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Enhanced deposit insurance protection — compare to other financial institutions!

Member accounts are federally insured to $250,000 by the National Credit Union Administration, and additionally insured to $250,000 by American Share Insurance. IRAs are separately insured up to $500,000 per member. This strong package of deposit insurance protection makes Alabama Credit Union the safest choice for earning high dividends! Have questions about structuring your accounts to achieve maximum deposit insurance protection? Download the publication Your Insured Funds.

Our Loanliner® PLUS open-end lending system gives you greater convenience and opportunity for discounts on new loans -- and it features a one-time signature for a lifetime of borrowing needs. Call (205) 348-5944 or (888) 817-2002 to ask about upgrading your lending plan to the Loanliner PLUS.
Deposit Rates				Last Share Dividend* Declaration Date: June 30, 2009
	Dividend Rate* or Interest Rate	Annual Percentage Yield	Dividends or Interest Compounded and Credited	Minimum Opening Deposit	Minimum Balance to Avoid a Service Fee	Minimum Balance to Earn the Stated APY	Balance Method	Account Limitations
Share Savings Account	.65%	.66 %	Quarterly	$25.00	---	$25.00	Daily Balance	Account transfer limitations apply.
Special Savings Account	.65 %	.66 %	Quarterly	---	---	$25.00	Daily Balance	Account transfer limitations apply.
Organizational Savings Account	.65%	.66 %	Quarterly	$25.00	---	$25.00	Daily Balance	Account transfer limitations apply.
Student Organizational Savings Account	.65 %	.66 %	Quarterly	$25.00	---	$25.00	Daily Balance	Account transfer limitations apply.
Holiday Club Account	.65 %	.66 %	Quarterly	---	---	$25.00	Daily Balance	Account transfer limitations apply.
Vacation Club Account	.65 %	.66 %	Quarterly	---	---	$25.00	Daily Balance	Account transfer limitations apply.
IRA Savings Account (Traditional, Roth, Educational, Conversion)	.65 %	.66%	Quarterly	---	---	$25.00	Daily Balance	Account transfer limitations apply.
				Interest Rate Current for: July, 2009
	Interest Rate	Annual Percentage Yield	Interest Compounded and Credited	Minimum Opening Deposit	Minimum Balance to Avoid a Service Charge	Minimum Balance to Earn the Stated APY	Balance Method	Account Limitations
Checking Account, Pink Ribbon Checking Account, and Image Checking Account	0%	0%	0	---	---	$0	---	---
Daily Money Market, $2,500 - $9,999	1.00%	1.01 %	Compounded Quarterly; Monthly (see note)	$2,500.00	---	$2,500.00	Daily Balance	Account transfer limitations apply.
Daily Money Market balances between $10,000 - $24,999	1.00 %	1.01 %	Compounded Quarterly; Monthly (see note)		---	$10,000.00	Daily Balance	Account transfer limitations apply.
Daily Money Market balances between $25,000 - $49,999	1.25 %	1.26 %	Compounded Quarterly; Monthly (see note)		---	$25,000.00	Daily Balance	Account transfer limitations apply.
Daily Money Market balances between $50,000 - $99,999	1.25 %	1.26 %	Compounded Quarterly; Monthly (see note)		---	$50,000.00	Daily Balance	Account transfer limitations apply.
Daily Money Market balances of at least $100,000 and higher	1.50 %	1.51 %	Compounded Quarterly; Credited Monthly (see note)		---	$100,000.00	Daily Balance	Account transfer limitations apply.

*APY=Annual Percentage Yield.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Your savings are additionally insured to $250,000 by Excess Share Insurance. To estimate your National Credit Union Share Insurance Fund coverage, use this insurance estimator or download NCUA's Your Insured Funds brochure. Alabama Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law. We are an Equal Housing Lender. Rates expressed as Annual Percentage Rate or Annual Percentage Yield; all rates and terms subject to change without notice. For complete account disclosures, ask for a copy of our Membership & Account Agreement, Reg CC (Funds Availability) and Reg E (Electronic Transfers) disclosures, Fee Schedule and Member Business Account™ Fee Schedule. Membership eligibility required. Alabama Credit Union is not responsible for content of Web sites which may be accessible via links from this site but are not operated by Alabama Credit Union, and does not represent either the third party or the member if the two enter into a transaction; privacy and security policies may differ from those practiced by Alabama Credit Union.