Rainbow City, AL · State Credit Union · Chartered in AL
Who can join
State government employees (special charter)
Members
78,378
Net Worth Ratio
8.71%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$1.17B
Total Shares
$998.8M
Total Loans
$957.9M
Net Worth Ratio
8.71%
≥7% = Well Capitalized
Members
78,378
Delinquency Rate (60d+)
0.54%
$5.2M
Loan-to-share ratio: 95.9%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 955 | 765 | 190 | 80.1% | 19.9% |
| 2022 | 788 | 706 | 81 | 89.6% | 10.3% |
| 2021 | 276 | 239 | 35 | 86.6% | 12.7% |
No CFPB complaint data available for this credit union.
Administrative Office
205 Rescia Ave, Rainbow City, AL, 35906-5932
M,T,Th 7:30 - 4:00, W 7:30 - 12:00, F 7:00 - 5:00
Rainbow City Branch
3003 2nd St, Rainbow City, AL, 35906-5979
9:00 am - 7:00 pm
East Gadsden Branch
711 E Meighan Blvd, Gadsden, AL, 35903-1917
7:30 - 4:00
Scottsboro
24661 John T Reid Pkwy, Scottsboro, AL, 35768-2333
M,Tu, Wed 8:00am - 4:30pm Thur 8:00am - 12:00pm Fri 7:00am - 4:30pm
Rockmart
101 Felton Dr, Rockmart, GA, 30153
M, Tu, Thurs 8am-5pm Wed 8am-12pm Fri 8am-6pm
Hiram
342 Charles Hardy Pkwy, Hiram, GA, 30141-1848
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<a href="https://bankscorer.com/credit-union/family-savings" target="_blank" rel="noopener">View FAMILY SAVINGS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
M, Tu 8:30am - 5pm Wed 8:30am - 12pm Thur, Fr 8:30am - 6pm, Sat 8:30am - 12:30pm
Calhoun
1273 Curtis Pkwy SE, Calhoun, GA, 30701-3639
M,Tu,Thur, Fri 8:30am - 5pm Wed 8am - 12pm
Oxford Branch
162 Industrial Dr, Oxford, AL, 36203-2044
Monday, Tuesday, Thursday: 7:30 am - 4:00 pm Wednesday: 7:30 am - 12:00 pm Friday: 7:00 am - 5:00 pm
Albertville
7200 US Highway 431 Ste 350, Albertville, AL, 35950-1250
M-F 9-6Saturday 8-2
Cartersville
3 Ryan Blvd NE, Cartersville, GA, 30121-8075
M,T, Thu 8:30-5:00; Wed 8:30-12; Fri 8:30-5:00
7 more locations not shown.