Academic Employees Credit Union Columbia MO | Top Auto Loans & Checking Accounts

Introduction

Welcome to Academic Employees Credit Union, your trusted financial partner located at 2804 W Ash St, Columbia, MO 65203. Since our establishment in 1936, we've been dedicated to serving our community with a personal touch and a commitment to helping our members achieve their financial goals. With a robust membership of 1,432 and total assets exceeding $14,898,874, we pride ourselves on being a reliable resource for all your banking needs. At Academic Employees Credit Union, we understand that every member's journey is unique. That's why we offer a range of services tailored to fit your lifestyle, from checking and savings accounts to auto loans, mortgages, and credit cards with rewards. Our team is here to provide personalized assistance whether you're looking to finance a new vehicle or consolidate debt. While you can visit us at our main branch for all your banking needs, please note that official correspondence should be sent to the same address: 2804 W Ash St, Columbia, MO 65203-4601. Our dedicated staff of four employees, led by our experienced CEO Kelly Poindexter and Board President Russ Sackreiter, are committed to ensuring you receive top-notch service in a friendly environment. With total loans amounting to 1,735 and deposits reaching $1,518,900, we maintain a strong financial position bolstered by our net worth of $975,032 and cash on hand totaling $275,605. We believe in the power of community banking and strive to create positive impacts through responsible lending practices. We invite you to explore what makes Academic Employees Credit Union special. Reach out today at 573-445-1845 or visit our website at academicecu.com to learn more about our offerings or get started on your financial journey with us. Your success is our priority!

Branch History & Mission

At Academic Employees, we take pride in our rich history and commitment to serving the Columbia community. Established in 1936, our credit union has grown alongside its members, becoming a trusted financial partner for over 1,400 individuals and families in the area. Located at 2804 W Ash St, Columbia, MO 65203, we are easily accessible to those who seek personalized banking solutions tailored to their needs. Throughout the years, Academic Employees has evolved significantly. From humble beginnings focused on serving educational professionals, we have expanded our services to include personal banking options such as checking and savings accounts, auto loans, mortgages, and even business banking solutions. As of today, our total assets stand at an impressive $14,898,874, reflecting our strong financial health and dedication to our members' success. Our mission is simple yet profound: we strive to empower our members through comprehensive financial services while actively supporting the community. This includes not just offering competitive rates and innovative products but also engaging in various outreach efforts that uplift local organizations and initiatives. Whether it's sponsoring educational programs or participating in community events, we believe that giving back is essential to fostering a vibrant society. While members can visit us at 2804 W Ash St, official correspondence should be sent to 2804 W Ash St, Columbia, MO 65203-4601. Our operating hours are designed for your convenience: Monday through Wednesday and Friday from 9 AM to 5 PM, with extended drive-thru hours available on select days. In addition to traditional banking services, we are proud to offer modern conveniences like online banking and ATM access. Our drive-thru service further enhances accessibility for those on the go. We are committed to ensuring that everyone can access our services comfortably and efficiently. As we look towards the future, we invite you to join Academic Employees Credit Union. Experience firsthand the benefits of being part of a community-focused financial institution that values your unique needs. Together, let's build a brighter financial future for you and your family! For more information or assistance, feel free to call us at 573-445-1845 or visit our website at academicecu.com.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is ADA compliant and features ramps for easy access. Plus, ample parking is available right outside our doors, making your visit hassle-free.

Operating Hours

We understand that life can be busy, which is why we offer flexible hours tailored to your schedule. You can visit us Monday through Wednesday and Friday from 9 AM to 5 PM. On Thursdays, we're open from 10 AM to 5 PM. If you prefer drive-thru service for deposits or simple transactions, our drive-thru operates Monday and Tuesday from 8 AM to 5:15 PM and extends until 6 PM on Wednesdays and Fridays.

Services Available

At Academic Employees Credit Union, we offer a range of services designed with you in mind. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Need cash? Our ATM on-site ensures you have quick access to your funds whenever you need them. With friendly staff ready to assist you and a commitment to member satisfaction, we invite you to visit us or give us a call at 573-445-1845. Come discover how we can help you achieve your financial goals!

Member Eligibility

At Academic Employees, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to anyone who meets our eligibility criteria, which focuses on serving those connected to education in our area. Whether you're an employee of an educational institution, a student, or even a family member of someone in the field, you might be eligible to join us. We invite you to explore the benefits of membership, including competitive rates on loans and savings accounts, personalized service, and a supportive financial community. To start your journey with us at Academic Employees, just visit our branch located at 2804 W Ash St Columbia Mo 65203 or give us a call at (573) 445-1845 for more information. You can also find detailed eligibility requirements by visiting this link: . We're excited to help you open an account and enjoy all that being part of our credit union has to offer!

Business Banking & Commercial Services

Commercial Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have not issued any commercial loans, our goal is to provide you with the financing options necessary to help your business thrive when the time comes.

Merchant Services That Make Sense

Imagine running your business and knowing you have reliable payment solutions at your fingertips. Our merchant services are designed to make transactions easier for you and your customers. With secure payment processing and easy-to-use tools, you can focus on what you do best growing your business. Located conveniently at 2804 W Ash St Columbia Mo 65203 in Columbia, MO, we're just a phone call away at (573) 445-1845. We invite you to explore how our business banking services can empower your entrepreneurial spirit today!

Comprehensive List Of Services

Business Banking

For local businesses in Columbia, our services extend beyond personal finance. We provide comprehensive business banking solutions, including merchant services that streamline payment processing and business loans to fuel your growth. We understand that every penny counts when running a business, so we aim to support your financial journey at every step.

Convenient Access

We also provide traditional banking features like our drive-thru service, where members can handle deposits, withdrawals, and other simple transactions quickly and efficiently. Our ATMs allow for easy cash withdrawals and balance checks perfect for those on the go. With all these services available at our location at 2804 W Ash St, Columbia, MO 65203, we're here to support your financial goals. Have questions or want more information? Give us a call at 573-445-1845 or visit our website at academicecu.com. Join us today at Academic Employees Credit Union where your financial well-being is our priority!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Academic Employees, we offer robust online and mobile banking options. With just a few clicks or taps on your device, you can manage accounts, transfer funds, and pay bills without needing to visit a branch. Our ATM network ensures that you have access to cash whenever you need it.

Personal Banking

For individuals and families, we offer checking and savings accounts that help you keep track of your day-to-day spending while also saving for the future. Need funds for that dream car? Our auto loans and vehicle financing options are tailored to fit various budgets and lifestyles. If you're considering buying a home, look no further than our mortgage loans and refinancing services designed to guide you through the process smoothly. If you're dealing with multiple debts or unexpected expenses, our personal loans and debt consolidation options can provide the relief you need without overwhelming paperwork. Plus, don't forget about our credit cards with rewards, which can earn you perks just for using them!

Digital & Online Banking

Key Features

While we do not currently offer electronic signature authorization or mobile payment options, our commitment to providing useful features remains strong. You can enjoy the convenience of e-statements, which allow you to view and manage your bank statements digitally no more waiting for mail or dealing with paper clutter. Although we don't have a dedicated mobile application or person-to-person transfer feature right now, our user-friendly online platform ensures that you have everything you need at your fingertips. You can still conduct various transactions and monitor your account in real-time, making it easy to stay on top of your finances. Our online banking system is built with security in mind, ensuring that your personal information remains protected while you enjoy the ease of managing your accounts. We strive to provide an accessible and efficient banking experience for all our members at Academic Employees. In summary, whether you're checking account balances or viewing e-statements, our digital banking solutions are here to help simplify your financial life. Experience the ease and security of banking with us today!

Financial Strength

Dedicated Team Ready to Serve You

We also take pride in having 4 full-time employees ready to assist you with their expertise. Although we currently do not have part-time staff, our dedicated team ensures that your experience at Academic Employees is smooth and supportive.

Focused on Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Growing Together

Total Share Accounts stand at 2,615, showing a strong and growing member base that trusts us with their finances. This trust reinforces our commitment to providing excellent service tailored to meet your unique needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Academic Employees is your trusted partner. Visit us at 2804 W Ash St Columbia Mo 65203 or call (573) 445-1845 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $45,806 in share certificates, offering stable and rewarding financial growth opportunities. While we have $0 in money market shares as well, our focus remains on making sure your funds work hard for you.

Reinvesting in Your Future

With $234,886 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment helps us create an environment where your financial dreams can thrive.

Solid Financial Health

With a net worth of $975,032, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $660 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

Our lending capacity supports members' financial goals across various sectors, with $1,076 in used auto loans and $8,387,917 in total loans and leases available for your needs. Our $180,969 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,590,938 in used vehicle loans and $2,749,618 in new vehicle loans already helping members get on the road. Whether you need financing for a brand-new model or a dependable used vehicle, we've got you covered.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $503,756, make buying or refinancing simple. We provide various mortgage solutions tailored to your unique situation. If you are considering refinancing your current mortgage, our team is here to guide you through the process and help identify eligibility options.

Personal and Business Loans

In addition to personal financing options, we provide business banking solutions as well. Although we currently do not have any outstanding commercial loans available, our dedicated team can assist you in understanding how we can support your business financing needs in the future. At Academic Employees, we prioritize transparency and customer satisfaction. For more information about our loan offerings and how they can fit into your financial plan, feel free to reach out at 573-445-1845 or visit us at our branch located at 2804 W Ash St, Columbia Mo 65203. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you are ready to apply for a loan or just exploring options, we're here to help you every step of the way!

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $445,196 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs to benefit your spending habits.

Loan Aggregator

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ACADEMIC EMPLOYEES CREDIT UNION - Columbia, MO