--- title: "North Alabama Educators Credit Union Rates (Nov 2026): CDs to 3.65%" description: "North Alabama Educators Credit Union rates today: savings & CDs up to 3.65% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join North Alabama Educators Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/north-alabama-educators" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # North Alabama Educators Credit Union Rates (Nov 2026): CDs to 3.65% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Rate Easy Equity** other | — APR | 5.600% | — | Standard | | **Fixed Rate First Mortgage** other | — APR | 6.350% | — | Standard | | **Home Improvement Loan For Home Owners Only - We do not record a Mortgage Lien** other | — APR | 7.000% | — | Standard | | **Fixed Rate Land Loan** other | — APR | 7.350% | — | Standard | North Alabama Educators Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Vehicle Loan Rates (New or Used Vehicle 2022 or newer)** auto_any_36mo | — APR | 4.650% | 36 mo · any | Standard | | **66-Month New Auto Loan** auto_new_66mo | — APR | 4.990% | 66 mo · new | Standard | | **Vehicle Loan Rates (Used Vehicle 2014 or newer Finance amounts of $20,000 or more for 72 months)** auto_used_72mo | — APR | 4.990% | 72 mo · used | Standard | | **66-Month Used Auto Loan (2014 and Newer)** auto_used_66mo | — APR | 4.990% | 66 mo · used | Standard | | **Vehicle Loan Rates (Used Vehicles with over 150,000 Miles – 2014 or Newer)** auto_used_60mo | — APR | 4.990% | 60 mo · used | Standard | | **Vehicle Loan Rates (New Vehicle Finance $20,000 or more for 72 months)** auto_new_72mo | — APR | 4.990% | 72 mo · new | Standard | | **New or Used Recreational Vehicles: 2014 or Newer** rv_any_60mo | — APR | 5.600% | 60 mo · any | Standard | | **Vehicle Loan Rates (New Vehicle Finance $28,000 or more for 84 months)** auto_new_84mo | — APR | 5.990% | 84 mo · new | Standard | | **Vehicle Loan Rates (Used Vehicle 2014 or newer Finance amounts of $28,000 or more for 84 months)** auto_used_84mo | — APR | 5.990% | 84 mo · used | Standard | | **New or Used Motorcycles: 2015 or Newer $10,000 or more Financed** motorcycle_any_60mo | — APR | 6.100% | 60 mo · any | Standard | | **New or Used Boat, Motor, Trailer: 2015 or Newer** boat_any_72mo | — APR | 6.100% | 72 mo · any | Standard | | **New or Used Motorcycles: 2015 or Newer Under $10,000 Financed** motorcycle_any_48mo | — APR | 6.100% | 48 mo · any | Standard | | **New or Used Recreational Vehicles: 2014 or Newer** rv_any_96mo | — APR | 6.350% | 96 mo · any | Standard | | **New or Used ATV’s (3 or 4 Wheelers): 2020 or newer** powersports_any_48mo | — APR | 6.350% | 48 mo · any | Standard | | **New or Used Recreational Vehicles: 2014 or Newer** rv_any_120mo | — APR | 7.350% | 120 mo · any | Standard | North Alabama Educators Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Any Season, Any Reason Loan** personal_unsecured_12mo | — APR | 6.990% | 12 mo | Standard | | **Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)** personal_unsecured_60mo | — APR | 7.600% | 60 mo | Standard | | **Any Season, Any Reason Loan** personal_unsecured_24mo | — APR | 7.990% | 24 mo | Standard | | **Consolidation Loan Checks to creditors, no internal refinances, no cash out.** personal_unsecured_60mo | — APR | 8.990% | 60 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.000% | 60 mo | Standard | | **EZ Open-End Personal Loan** personal_unsecured | — APR | 15.000% | — | Standard | | **Overdraft Line of Credit** personal | — APR | 15.000% | — | Standard | | **Fresh Start Loan*** personal | — APR | 18.000% | — | Standard | North Alabama Educators Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 31 offers | Product | Published | Rate | Term / condition | Status | | **Savings Dividend Rates (Share Accounts $100 minimum Average Daily Balance)** share_savings | — APY | 0.25% | — | Standard | | **Savings Dividend Rates (Club Accounts)** savings | — APY | 0.25% | — | Specialty offer | | **Savings Dividend Rates (Round Up Accounts (Debit Card Transactions) $2,500.01 and above Average Daily Balance)** savings | — APY | 0.25% | — | Standard | | **$25 Minimum Balance** savings | 0.50% APY | 0.50% | — | Standard | | **IRA** ira | 0.50% APY | 0.50% | — | Standard | | **Savings Dividend Rates (Christmas Club Account)** savings | — APY | 0.65% | — | Specialty offer | | **Savings Dividend Rates (Christmas Club Last Declared Dividend Rate & APY for October 31, 2025)** savings | — APY | 0.75% | — | Specialty offer | | **Savings Dividend Rates (Super Shares Account Rate based on Average Daily Balance over Period of $2,000 to $9,999.99)** savings | — APY | 1.25% | — | Standard | | **Savings Dividend Rates (Super Shares Account Rate based on Average Daily Balance over Period of $10,000 to $24,999.99)** savings | — APY | 1.40% | — | Standard | | **Savings Dividend Rates (Super Shares Account Rate based on Average Daily Balance over Period of $25,000 to $49,999.99)** savings | — APY | 1.50% | — | Standard | | **Savings Dividend Rates (Super Shares Account Rate based on Average Daily Balance over Period of $50,000 and above)** savings | — APY | 1.75% | — | Standard | | **Savings Dividend Rates (Round Up Accounts (Debit Card Transactions) $0.01-$2,500.00 Average Daily Balance)** savings | — APY | 2.25% | — | Standard | | **9-Month Certificate** cd_9mo | — APY | 2.65% | 9 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.85% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.90% | 24 mo | Standard | | **27-Month Certificate** cd_27mo | — APY | 3.00% | 27 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.00% | 12 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | 3.03% APY | 3.00% | 18 mo | Standard | | **18-Month Certificate ($500+)** cd_18mo | 3.03% APY | 3.00% | 18 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.15% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 3.19% APY | 3.15% | 36 mo | Standard | | **36-Month Certificate ($500+)** cd_36mo | 3.19% APY | 3.15% | 36 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 3.29% APY | 3.25% | 48 mo | Standard | | **48-Month Certificate ($500+)** cd_48mo | 3.29% APY | 3.25% | 48 mo | Standard | | **60-Month Certificate ($500+)** cd_60mo | 3.39% APY | 3.35% | 60 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 3.39% APY | 3.35% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.60% | 6 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.65% APY | 3.60% | 24 mo | Standard | | **24-Month Certificate ($500+)** cd_24mo | 3.65% APY | 3.60% | 24 mo | Standard | | **11-Month Certificate** cd_11mo | — APY | 3.95% | 11 mo | Standard | | **13-Month Certificate** cd_13mo | — APY | 4.00% | 13 mo | Standard | North Alabama Educators Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 3.65% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/north-alabama-educators) , verified from [North Alabama Educators Credit Union's official website](https://naecu.org/) Loading branch locator… ## About North Alabama Educators Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 10.9K Assets $142.7M Founded 1957 Locations reported 6 NCUA charter 60500 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Avadian** South Parkway · Huntsville · AL · 35801-5314 Branch in the same ZIP](https://rateapi.dev/credit-unions/alabama/avadian) [**Redstone** South Parkway Branch · Huntsville · AL · 35801 Branch in the same ZIP](https://rateapi.dev/credit-unions/alabama/redstone) [**Rocket City** Rocket City Federal Credit Union · Huntsville · AL · 35805-3000 About 2.0 miles away](https://rateapi.dev/credit-unions/alabama/rocket-city) [**Alabama** South Huntsville Branch · Huntsville · AL · 35802-1315 About 2.4 miles away](https://rateapi.dev/credit-unions/alabama/alabama) [**Communityamerica** Huntsville · Huntsville · AL · 35810-6045 About 5.8 miles away](https://rateapi.dev/credit-unions/kansas/communityamerica) [**Family Savings** Bentley Bypass · Huntsville · AL · 35810-1217 About 6.8 miles away](https://rateapi.dev/credit-unions/alabama/family-savings) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join North Alabama Educators Credit Union Membership eligibility from North Alabama Educators Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on North Alabama Educators Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Private Schools in Madison, Morgan, or Limestone Counties, 1 on 1 Technical College, Athens Bible School, Athens City Schools, Athens State University, Calhoun Community College, Child Development Center, City of Athens, Decatur City Schools, Family Heritage, Faulkner University, Federal-Mogul, Grace Lutheran School, Highland Christian Academy, Huntsville City Board of Education, Huntsville City Schools, Huntsville Rehabilitation Center, J.F. Drake Technical College, Limestone County Board of Education, Limestone County Schools, Madison Academy, Madison City Schools, Madison County Board of Education, Madison County Schools, Mallory / Aero-M, North Alabama Skills Center, NTA, Inc., Randolph School, T & C Stamping, Technology Plus of Alabama, Tennessee Valley Rehabilitation Center, Virginia College of Huntsville, WAAY-TV, WBHP Radio, WDRM Radio, Westminster Christian School, Retired Teachers - Association Parent-Teacher Organizations (PTA, PTO, PTSA) - School Athens State University, Calhoun Community College, Virginia College of Huntsville Verified from [North Alabama Educators Credit Union's membership page](https://naecu.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for North Alabama Educators Credit Union Employers 37 · Associations · Schools 3 · Family 42 published paths to membership, last verified August 21, 2026, quoted from North Alabama Educators Credit Union’s own published criteria. ### Employers 37 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Private Schools in Madison, Morgan, or Limestone Counties “All Private Schools in Madison, Morgan, or Limestone Counties. (This includes all day cares, nursery, pre-school, kindergartens, church schools, and private colleges).” > [source ↗](https://naecu.org/membership) - Employee of Private Schools in Madison, Morgan, or Limestone Counties - Employee of 1 on 1 Technical College “1 on 1 Technical College” > [source ↗](https://naecu.org/membership) - Employee of 1 on 1 Technical College - Employee of Athens Bible School “Athens Bible School” > [source ↗](https://naecu.org/membership) - Employee of Athens Bible School - Employee of Athens City Schools “Athens City Schools” > [source ↗](https://naecu.org/membership) - Employee of Athens City Schools - Employee of Athens State University “Athens State University (Employees & Students)” > [source ↗](https://naecu.org/membership) - Employee of Athens State University - Employee of Calhoun Community College “Calhoun Community College (Employees & Students)” > [source ↗](https://naecu.org/membership) - Employee of Calhoun Community College - Employee of Child Development Center “Child Development Center” > [source ↗](https://naecu.org/membership) - Employee of Child Development Center - Employee of City of Athens “City of Athens” > [source ↗](https://naecu.org/membership) - Employee of City of Athens - Employee of Decatur City Schools “Decatur City Schools” > [source ↗](https://naecu.org/membership) - Employee of Decatur City Schools - Employee of Faulkner University “Faulkner University” > [source ↗](https://naecu.org/membership) - Employee of Faulkner University - Employee of Federal-Mogul “Federal-Mogul” > [source ↗](https://naecu.org/membership) - Employee of Federal-Mogul - Employee of Grace Lutheran School “Grace Lutheran School” > [source ↗](https://naecu.org/membership) - Employee of Grace Lutheran School - Employee of Highland Christian Academy “Highland Christian Academy” > [source ↗](https://naecu.org/membership) - Employee of Highland Christian Academy - Employee of Huntsville City Board of Education “Huntsville City Board of Education” > [source ↗](https://naecu.org/membership) - Employee of Huntsville City Board of Education - Employee of Huntsville City Schools “Huntsville City Schools” > [source ↗](https://naecu.org/membership) - Employee of Huntsville City Schools - Employee of Huntsville Rehabilitation Center “Huntsville Rehabilitation Center” > [source ↗](https://naecu.org/membership) - Employee of Huntsville Rehabilitation Center - Employee of J.F. Drake Technical College “J.F. Drake Technical College” > [source ↗](https://naecu.org/membership) - Employee of J.F. Drake Technical College - Employee of Limestone County Board of Education “Limestone County Board of Education” > [source ↗](https://naecu.org/membership) - Employee of Limestone County Board of Education - Employee of Limestone County Schools “Limestone County Schools” > [source ↗](https://naecu.org/membership) - Employee of Limestone County Schools - Employee of Madison Academy “Madison Academy” > [source ↗](https://naecu.org/membership) - Employee of Madison Academy - Employee of Madison City Schools “Madison City Schools” > [source ↗](https://naecu.org/membership) - Employee of Madison City Schools - Employee of Madison County Board of Education “Madison County Board of Education” > [source ↗](https://naecu.org/membership) - Employee of Madison County Board of Education - Employee of Madison County Schools “Madison County Schools” > [source ↗](https://naecu.org/membership) - Employee of Madison County Schools - Employee of Mallory / Aero-M “Mallory / Aero-M” > [source ↗](https://naecu.org/membership) - Employee of Mallory / Aero-M - Employee of North Alabama Skills Center “North Alabama Skills Center” > [source ↗](https://naecu.org/membership) - Employee of North Alabama Skills Center - Employee of NTA, Inc. “NTA, Inc.” > [source ↗](https://naecu.org/membership) - Employee of NTA, Inc. - Employee of Randolph School “Randolph School” > [source ↗](https://naecu.org/membership) - Employee of Randolph School - Employee of T & C Stamping “T & C Stamping” > [source ↗](https://naecu.org/membership) - Employee of T & C Stamping - Employee of Technology Plus of Alabama “Technology Plus of Alabama” > [source ↗](https://naecu.org/membership) - Employee of Technology Plus of Alabama - Employee of Tennessee Valley Rehabilitation Center “Tennessee Valley Rehabilitation Center” > [source ↗](https://naecu.org/membership) - Employee of Tennessee Valley Rehabilitation Center - Employee of Virginia College of Huntsville “Virginia College of Huntsville (Hsv. & B'ham Employees & Students)” > [source ↗](https://naecu.org/membership) - Employee of Virginia College of Huntsville - Employee of WAAY-TV “WAAY-TV” > [source ↗](https://naecu.org/membership) - Employee of WAAY-TV - Employee of WBHP Radio “WBHP Radio” > [source ↗](https://naecu.org/membership) - Employee of WBHP Radio - Employee of WDRM Radio “WDRM Radio” > [source ↗](https://naecu.org/membership) - Employee of WDRM Radio - Employee of Westminster Christian School “Westminster Christian School” > [source ↗](https://naecu.org/membership) - Employee of Westminster Christian School - Employee of Family Heritage “Family Heritage (Insurance)” > [source ↗](https://naecu.org/membership) - Employee of Family Heritage - Retired employee of Retired Teachers “Retired Teachers living in Madison, Morgan, or Limestone Counties.” > [source ↗](https://naecu.org/membership) - Retiree of Retired Teachers ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Parent-Teacher Organizations (PTA, PTO, PTSA) “All members of Parent-Teacher Organizations (PTA, PTO, PTSA) of schools located within the counties of Madison or Limestone, or within the City of Decatur, Alabama.” > [source ↗](https://naecu.org/membership) - Member of Parent-Teacher Organizations (PTA, PTO, PTSA) ### Schools 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Athens State University (as written on the source page) “Athens State University (Employees & Students)” > [source ↗](https://naecu.org/membership) - Student at Athens State University - Student of Calhoun Community College (as written on the source page) “Calhoun Community College (Employees & Students)” > [source ↗](https://naecu.org/membership) - Student at Calhoun Community College - Student of Virginia College of Huntsville (as written on the source page) “Virginia College of Huntsville (Hsv. & B'ham Employees & Students)” > [source ↗](https://naecu.org/membership) - Student at Virginia College of Huntsville ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Relatives of existing members are also eligible for membership.” > [source ↗](https://naecu.org/membership) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for North Alabama Educators Credit Union? Yes No ## Work at North Alabama Educators Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where North Alabama Educators Credit Union ranks against Alabama peers. - See which AI assistants fetched North Alabama Educators Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=north-alabama-educators&state=alabama&code=AL&name=North%20Alabama%20Educators%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does North Alabama Educators Credit Union offer? North Alabama Educators Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are North Alabama Educators Credit Union rates updated? RateAPI verifies North Alabama Educators Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get North Alabama Educators Credit Union's rate data? Rate data is collected directly from North Alabama Educators Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is North Alabama Educators Credit Union's best CD rate? As of November 13, 2026, North Alabama Educators Credit Union offers savings and certificate (CD) yields up to 3.65% APY. ### Who can join North Alabama Educators Credit Union? North Alabama Educators Credit Union publishes its membership criteria on its own website. RateAPI tracks 42 published membership paths covering 37 employers, 1 association and 3 schools for North Alabama Educators Credit Union, each quoted from North Alabama Educators Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare North Alabama Educators Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama mortgage rate leaders](https://rateapi.dev/mortgage-rates/alabama) [Alabama auto loan rate leaders](https://rateapi.dev/auto-loan-rates/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://naecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track North Alabama Educators Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for North Alabama Educators Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /north-alabama-educators " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## North Alabama Educators Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/north-alabama-educators Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp