Q2 2026 call reports
Best credit unions in Alabama
Scored on what members get, from the call reports filed with NCUA for the quarter ended June 30, 2026, the best credit union serving Alabama is Southern Energy Credit Union with 77.3 out of 100, followed by Railroad Credit Union (73.8) and MTC Federal Credit Union (64.3). The score weighs deposit dividends, loan rates, fees, financial strength and member growth against credit unions of the same size.
No paid placements and no reviews: only NCUA figures. A credit union must hold at least $50 million in assets and be well capitalized to be scored. Check that you are eligible to join.
- Best for saversAll in Federal Credit Union 97th percentile
- Lowest loan ratesMTC Federal Credit Union 76th percentile
- Lowest feesRailroad Credit Union 99th percentile
- Strongest balance sheetSouthern Energy Credit Union 92th percentile
Top 25 credit unions in Alabama most people can look at
Credit unions headquartered in Alabama or with offices there that estimate 100,000 or more potential members on their call report, or that anyone in the US can join. Each part is a percentile against NCUA peers of the same size, 100 best; the score is their weighted average.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Southern Energy Credit UnionBirmingham, AL | 77.3 | 79 | 69 | 92 | 92 | 35 | $3.6B |
| 2 | Railroad Credit UnionIrondale, AL | 73.8 | 81 | 48 | 99 | 88 | 40 | $100.6M |
| 3 | MTC Federal Credit UnionGreenville, SC · 1 office here | 64.3 | 86 | 76 | 46 | 50 | 47 | $302.6M |
| 4 | Hope Federal Credit UnionJackson, MS · 3 offices here | 59.6 | 81 | 63 | 20 | 50 | 98 | $881.4M |
| 5 | Weyco Community Credit UnionPlymouth, NC · 1 office here | 59.5 | 71 | 61 | 86 | 15 | 63 | $115.5M |
| 6 | Platinum Federal Credit UnionDuluth, GA · 1 office here | 58.1 | 84 | 65 | 0 | 57 | 96 | $412.6M |
| 7 | New Horizons Credit UnionMobile, AL | 57.8 | 36 | 73 | 54 | 57 | 85 | $304.1M |
| 8 | Tyndall Federal Credit UnionPanama City, FL · 3 offices here | 56.6 | 20 | 60 | 93 | 88 | 4 | $1.9B |
| 9 | TVA Community Credit UnionMuscle Shoals, AL | 56.5 | 55 | 50 | 33 | 88 | 62 | $429.0M |
| 10 | Navy Federal Credit UnionVienna, VA · 2 offices here | 55.4 | 56 | 33 | 88 | 37 | 81 | $204.4B |
| 11 | Northrop Grumman Federal Credit UnionGardena, CA · 1 office here | 53.6 | 62 | 59 | 73 | 11 | 66 | $1.6B |
| 12 | Valley Credit UnionTuscumbia, AL | 53.0 | 66 | 39 | 12 | 83 | 78 | $112.9M |
| 13 | Keesler Federal Credit UnionBiloxi, MS · 2 offices here | 52.8 | 32 | 64 | 44 | 52 | 97 | $5.3B |
| 14 | Alatrust Credit UnionHoover, AL | 51.6 | 57 | 55 | 40 | 43 | 70 | $224.0M |
| 15 | Alabama State Employees Credit UnionMontgomery, AL | 51.1 | 72 | 43 | 28 | 68 | 30 | $471.2M |
| 16 | Riverfall Credit UnionTuscaloosa, AL | 50.3 | 88 | 56 | 18 | 31 | 45 | $193.9M |
| 17 | America's First Federal Credit UnionBirmingham, AL | 50.2 | 37 | 57 | 60 | 57 | 33 | $2.8B |
| 18 | Penair Credit UnionPensacola, FL · 4 offices here · open to anyone | 50.1 | 60 | 26 | 39 | 61 | 86 | $2.8B |
| 19 | Gulf Winds Credit UnionPensacola, FL · 3 offices here | 50.1 | 49 | 69 | 20 | 54 | 58 | $1.4B |
| 20 | Avadian Credit UnionBirmingham, AL | 49.5 | 68 | 61 | 24 | 57 | 11 | $1.4B |
| 21 | All in Federal Credit UnionDaleville, AL | 49.1 | 97 | 36 | 19 | 21 | 80 | $3.7B |
| 22 | Winsouth Credit UnionGadsden, AL | 48.8 | 70 | 72 | 21 | 43 | 6 | $479.4M |
| 23 | Family Security Credit UnionDecatur, AL | 46.9 | 15 | 67 | 38 | 78 | 31 | $1.1B |
| 24 | Legacy Community Federal Credit UnionBirmingham, AL | 46.2 | 42 | 52 | 37 | 45 | 63 | $727.2M |
| 25 | Florence Federal Credit UnionFlorence, AL | 46.2 | 74 | 27 | 47 | 50 | 16 | $65.9M |
Top scores among Alabama credit unions for specific groups
These serve a closed field of membership, such as one employer's staff, a profession or a church, with under 100,000 potential members. If you belong to the group, they are worth a look.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | JM Associates Federal Credit UnionJacksonville, FL · 1 office here | 66.8 | 72 | 54 | 75 | 68 | 68 | $151.2M |
| 2 | Acipco Federal Credit UnionBirmingham, AL | 61.3 | 58 | 58 | 74 | 84 | 6 | $221.5M |
| 3 | Electrical Federal Credit UnionArvada, CO · 1 office here | 58.0 | 58 | 60 | 53 | 49 | 82 | $54.3M |
| 4 | Auburn University Credit UnionAuburn, AL | 57.6 | 73 | 36 | 65 | 40 | 95 | $267.9M |
| 5 | Rocket City Federal Credit UnionHuntsville, AL | 56.5 | 39 | 51 | 43 | 85 | 85 | $69.1M |
| 6 | University of South Alabama Federal Credit UnionMobile, AL | 51.6 | 2 | 59 | 83 | 70 | 59 | $56.2M |
| 7 | Naheola Credit UnionPennington, AL | 51.2 | 97 | 15 | 24 | 51 | 83 | $219.6M |
| 8 | North Alabama Educators Credit UnionHuntsville, AL | 50.6 | 28 | 76 | 67 | 26 | 61 | $142.9M |
| 9 | Nucor Employee's Credit UnionFlorence, SC · 2 offices here | 50.6 | 20 | 30 | 77 | 72 | 84 | $68.2M |
| 10 | St. Thomas Federal Credit UnionCharlotte Amalie, VI · 1 office here | 49.0 | 20 | 30 | 71 | 68 | 87 | $90.0M |
Not eligible locally? Best credit unions anyone can join
These say on their own sites that almost anyone in the US can join, usually through a partner association. How to join each one
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Chevron Federal Credit UnionConcord, CA · open to anyone | 78.3 | 98 | 65 | 92 | 78 | 37 | $5.4B |
| 2 | Alliant Credit UnionChicago, IL · open to anyone | 71.0 | 99 | 57 | 100 | 28 | 65 | $20.0B |
| 3 | First Technology Federal Credit UnionSan Jose, CA · open to anyone | 68.5 | 95 | 37 | 99 | 29 | 99 | $27.9B |
| 4 | NASA Federal Credit UnionUpper Marlboro, MD · open to anyone | 67.3 | 98 | 49 | 87 | 55 | 21 | $5.8B |
| 5 | Lake Michigan Credit UnionGrand Rapids, MI · open to anyone | 66.8 | 96 | 29 | 64 | 72 | 84 | $17.3B |
How the score works
- Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
- Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
- Low fees, 20%: fee income per member, lower being better.
- Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
- Members joining, 10%: member growth over 12 months.
Each part is the credit union's percentile among NCUA's peer group of the same asset size, so a $60 million credit union is measured against other $50 million to $100 million credit unions. If member growth is missing, the other parts are reweighted. Ratios follow NCUA's Financial Performance Report. The national list · Definitions
Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union. 63 credit unions scored for Alabama. · All Alabama credit unions · Alabama loan rates · By city
Questions people ask
What is the best credit union in Alabama?
On our score, built only from NCUA call-report data for Q2 2026, Southern Energy Credit Union ranks first among credit unions with a broad field of membership that serve Alabama, at 77.3 out of 100, followed by Railroad Credit Union (73.8) and MTC Federal Credit Union (64.3). The best one for you depends on what you need: the lists of best for savers, borrowers and low fees on this page split that out.
Can I join these credit unions?
Every credit union limits who can join. The main list keeps to credit unions that estimate 100,000 or more potential members on their call report, which usually means a whole community or many employers, so many people living or working nearby can join. Check the eligibility rules on the credit union's own site. If you are not eligible anywhere local, the credit unions anyone in the US can join are listed below.
Is money at these credit unions insured?
Yes. Every credit union scored here is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. Credit unions below a 7% net worth ratio, NCUA's line for well capitalized, are left off the list entirely.
Does anyone pay to be on this list?
No. The score uses only the figures each credit union filed with NCUA. Nobody can pay for a place, and no reviews or survey answers are mixed in.