2024 Overview
General Credit Union Information
Aod is an NCUA insured institution located in Bynum, AL. It was founded in 1950 and has approximately $427.53 millions in assets.
Who can join?
Any person who is employed by any company on the Field of Membership list (Select Employer Group) is eligible to join AOD Federal Credit Union. Additionally, immediate family members of those eligible to join are also eligible to join. "Immediate family member" eligibility is limited to spouse, child, sibling, parent, grandparent or grandchild. For the purposes of this definition, immediate family member also includes stepparents, stepchildren, stepsiblings and adoptive relationships and individuals living in your same house.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 6680 |
| Date Established | 1950 |
| Assets | $427.53 million |
| Loans | $232.56 million |
| Deposits | $384.69 million |
| Capital | $63.53 million |
Field of Membership Restrictions
Military and civilian employees and contractors who work at the Anniston Army Depot, active or retired members of the armed forces living in select counties in northeast Alabama, employees of the U.S.D.A. Soil Conservation Service Area 2 in Alabama, and other select groups are eligible for membership.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Aod
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Aod
To upload and update your bank's rates please register.
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Branches
Below are Aod branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Aod Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 450.13 | A | View Lobby Hours | |
| 456.30 | B | View Lobby Hours | |
| 461.94 | C | View Lobby Hours | |
| 464.46 | D | View Lobby Hours | |
| 465.17 | E | View Lobby Hours | |
| 465.82 | F | View Lobby Hours |
Climate Policy and Initiatives
AOD is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Aod Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Aod. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Aod | U.S. Average |
|---|---|
| 2.02% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Aod had $1,096,155 in non-current loans and $250,795 in owned assets. To cover these potential losses it had $63,533,030 in net worth and $3,032,486 in loans loss reserves. That gives it a Texas Ratio of 2.02%.
Net Worth
| Aod | U.S. Average |
|---|---|
| 14.86% | 13.93% |
Aod FCU has a net worth of 14.86% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Aod
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