The AOD Federal Credit Union All Credit Levels is a cdfi lender from AOD Federal Credit Union. The ongoing APR is 9.95 %. This product reports activity to your personal credit report. AOD Federal Credit Union is a member-focused financial institution located in Bynum, Alabama, offering a range of financial services including personal loans, auto loans, and credit cards. The credit union serves individuals and families in Alabama, prioritizing community development and member support. Services include: personal loans, auto loans, credit cards. US Treasury certified CDFI Credit Union in Bynum, AL. Membership required.