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Source: https://www.alabamaone.org/rates
Read: 2026-10-22T16:20:45.000Z

Rates | Alabama ONE
Term | Dividend Rate | APY*
6 Month | 4.09% | 4.15%
12 Month | 4.04% | 4.10%
18 Month | 3.99% | 4.05%
24 Month | 3.94% | 4.00%
36 Month | 3.99% | 4.05%
48 Month | 4.04% | 4.10%
60 Month | 4.09% | 4.15%
Dividend Rate | APY*
under $1,000.00 | 0.00% | 0.00%
$1,000 - $9,999.99 ** | 1.00% | 1.00%
$10,000 - $24,999.99 ** | 1.00% | 1.00%
$25,000 - $99,999.99 ** | 1.00% | 1.00%
$100,000 - $249,999.99 ** | 1.00% | 1.00%
$250,000 - $499,999.99 ** | 1.00% | 1.00%
$500,000 or greater | 2.75% | 2.78%
Dividend Rate | APY*
under $5,000.00 | 0.00% | 0.00%
$5,000 - $499,999.99 *** | 1.00% | 1.00%
$500,000 or greater | 2.75% | 2.78%
Dividend Rate | APY*
Ascend Fund **** | 3.75% | 3.82%
Christmas Club | 1.00% | 1.00%
Little ONE Membership Savings | 1.00% | 1.00%
Saver's Club | 1.00% | 1.00%
Dividend Rate | APY*
under $1,000 | 0.00% | 0.00%
$1,000 or greater | 0.20% | 0.20%
Term | Dividend Rate | APY*
6 Month | 4.29% | 4.36%
12 Month | 4.24% | 4.31%
18 Month | 4.19% | 4.26%
24 Month | 4.14% | 4.20%
36 Month | 4.19% | 4.26%
48 Month | 4.24% | 4.31%
60 Month | 4.29% | 4.36%
Dividend Rate | APY*
under $1,000.00 | 0.00% | 0.00%
$1,000 - $9,999.99 | 1.00% | 1.00%
$10,000 - $24,999.99 | 1.00% | 1.00%
$25,000 - $99,999.99 | 1.00% | 1.00%
$100,000 - $249,999.99 | 1.00% | 1.00%
$250,000 - $499,999.99 | 2.75% | 2.78%
$500,000 and greater | 2.50% | 2.53%
*Annual Percentage Yield (APY) is valid as of the last dividend declaration date of 09/25/2026. Rates are subject to change without notice. $5 membership fee required.
1 $1,000 minimum to open and to obtain APY unless otherwise specified. Fees could reduce earnings on the account. Penalties for early withdrawal may apply. Certificate of Deposits automatically renew for another term at the rate and early withdrawal penalty in effect at the date of maturity for that Certificate of Deposit type. Dividends are compounded and paid quarterly.
2 $1,000 minimum to open Money Market Account (MMA) and $5,000 is the minimum to open Ascend Checking to obtain APY unless otherwise specified. Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Account(s) qualify for relationship enhancement. Dividend Rate may vary according to the number of products obtained. Relationship enhancement does not apply to accounts where balance exceeds threshold balance $500,000 or greater. Qualified products may include, but are not limited to Digital Experience (requires Checking, e-Statements, and registered Digital Banking Access), Consumer Credit Card, Consumer Secured Loan, Consumer Mortgage Loan/HELOC Loan, Commercial/Agriculture Loan, Commercial Credit Card, Ascend Fund, Wealth Relationship. Account(s) are reviewed monthly for eligibility. For each of the listed enhancements, your account will receive an additional 0.20% dividend rate up to a maximum additional of 1.60% dividend rate unless otherwise specified. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
** Money Market account balances between $1,000 and $500,000 qualify for relationship enhancement per Relationship Matrix (max enhancement is 1.60%). Accounts are reviewed the 15th of each month for eligibility. Minimum rate = 1%; Max rate = 2.60%. For account balances over $500,000, the rate is 2.75% and do not qualify for relationship enhancements.
*** Ascend Checking account balances between $5,000 and $500,000 qualify for relationship enhancement per Relationship Matrix (max enhancement is 1.60%). Accounts are reviewed the 15th of each month for eligibility. Minimum rate = 1%; Max rate = 2.60%. For account balances over $500,000, the rate is 2.75% and do not qualify for relationship enhancements.
**** Ascend Fund $25,000 minimum to open and maintain 3.82% APY (Annual Percentage Yield). Rates subject to change. Matures in 12 months and renews into a variable rate, currently 2.75%. Must be funds from another financial institution, not funds already at Alabama ONE. Interest is compounded monthly. No penalty for early withdrawal. Fees may reduce earnings. Rates as of 09/25/2026.
4 $1,000 minimum to open and to obtain APY unless otherwise specified. Variable Rate account. Rates may change after the account has been opened. Fees could reduce earnings on the account. Dividends are compounded and paid monthly. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.
For example, $150,000 at 6.875% rate with 7.003% APR, 30 year mortgage has a monthly payment of $972 including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan
1st Mortgage | Rate | APR*
30 year Fixed | Starts at 7.50% | 7.7150% APR*
20 year Fixed | Starts at 7.125% | 7.3947% APR*
15 year Fixed | Starts at 6.75% | 7.0773% APR*
10 year Fixed | Starts at 6.375% | 6.8257% APR*
The minimum loan amount is $10,000 for a HELOC. Variable interest rate for HELOC based on Prime Rate +.50% to Prime Rate +2.25%, based on Loan to Value currently ranging from 8.584% to 10.340%. APR based on Prime Rate of 7.00% as of 10/21/2026 but will never be more than 18.00%.
HELOC | Rate: | APR*:
≤ 70% CLTV** | 7.50% (Prime + .50%) | 7.75% APR*
70.01%-80% CLTV** | 8.00% (Prime + 1.00%) | 8.25% APR*
80.01%-90% CLTV** | 8.50% (Prime + 1.50%) | 9.00% APR*
90.01%-100% CLTV** | 9.00% (Prime + 2.00%) | 9.50% APR*
The minimum loan amount is $10,000 for a Fixed Second Mortgage. Interest rate range for Fixed Second Mortgage is 7.00% to 12.25%. For example, $50,000 at 9.00% rate with 9.630% APR, 15year second mortgage has a monthly payment of $507, not including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan
2nd Mortgage 5 Year Fixed | Rate: | APR*:
≤ 70% CLTV** | 6.00% | 7.02% APR*
70.01-80% CLTV** | 6.50% | 7.52% APR*
80.01-90% CLTV** | 7.00% | 8.03% APR*
90.01-100% CLTV** | 7.50% | 8.54% APR*
The minimum loan amount is $10,000 for a Fixed Second Mortgage. Interest rate range for Fixed Second Mortgage is 7.00% to 12.25%. For example, $50,000 at 9.00% rate with 9.630% APR, 15year second mortgage has a monthly payment of $507, not including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan
2nd Mortgage 10 Year Fixed | Rate: | APR*:
≤ 70% CLTV** | 6.75% | 7.30% APR*
70.01-80% CLTV** | 7.25% | 7.81% APR*
80.01-90% CLTV** | 7.75% | 8.31% APR*
90.01-100% CLTV** | 8.25% | 8.82% APR*
The minimum loan amount is $10,000 for a Fixed Second Mortgage. Interest rate range for Fixed Second Mortgage is 7.00% to 12.25%. For example, $50,000 at 9.00% rate with 9.630% APR, 15year second mortgage has a monthly payment of $507, not including taxes and insurance premiums; actual payment obligation may be greater. Interest portion of the loan that exceeds the value of the dwelling is not tax deductible and should consult their tax advisor. APR* includes closing costs for life of the loan
2nd Mortgage 15 Year Fixed | Rate: | APR*:
≤ 70% CLTV** | 7.50% | 7.90% APR*
70.01-80% CLTV** | 8.00% | 8.41% APR*
80.01-90% CLTV** | 8.50% | 8.91% APR*
90.01-100% CLTV** | 9.00% | 9.42% APR*
WSJ Prime Rate: 7.25%
** CLTV=Combined Loan to Value, proposed loan amount of 2nd mortgage/HELOC plus first mortgage compared to sales price or appraised value of property (lower of the two values). These rate offers are subject to change. Rates displayed are "as low as " rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Fixed Rates quoted require a loan origination fee of 1.00%. This is not an offer of credit and is subject to the terms and conditions of Alabama ONE Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.
***Insured: Is an increased rate to cover the insurance on loans with CLTV over 90% or higher risk criteria.
Other loan types available. Call for rates. **Annual percentage rates are based on credit worthiness. Contact a loan officer to determine what your rate will be. Subject to credit approval. All credit union lending policies apply. Subject to some restrictions. All rates are subject to change. Alabama One now offers 0.25% off of the lowest rate that the member qualifies for if the member sets the loan up on payroll distribution or auto draft. (Consumer loans only, excluding deposit secured. Risk tier matrix only loans.)