Alabama State Employees CU Montgomery AL | Best Auto Loans & Business Banking

Introduction

Welcome to Alabama State Employees, your trusted financial partner located at 1000 Interstate Park Dr, Montgomery, AL 36109. Since our establishment in 1954, we have been dedicated to serving our members with integrity and commitment. With a total membership of 42,776, we pride ourselves on creating strong relationships within the community, ensuring that every member's financial needs are met with personalized care. At Alabama State Employees, we understand that financial stability is key to achieving your dreams. That's why we offer a variety of services tailored to fit your lifestyle from personal banking and auto loans to mortgage options and business banking solutions. Our total assets of $401,869,684 and a robust loan portfolio featuring 21,498 loans and leases speak volumes about our capacity to support you. In addition, we maintain over $20,873,043 in deposits, which reflects the trust our members place in us. While members can visit us at our branch location for face-to-face assistance or simply to chat about their financial goals, official correspondence should be sent to our mailing address: PO Box 231150, Montgomery, AL 36123-1150. Our team of 124 dedicated employees is here to help you navigate your financial journey with ease and confidence. Under the leadership of our CEO, Shannon Watkins, and Board President, Carol Preston, we remain committed to transparency and accessibility. Whether you're looking to open a new account or explore loan options, we're ready to assist you every step of the way. Ready to take control of your financial future? Visit us today or give us a call at 334-270-9011. Experience firsthand how Alabama State Employees can make a difference in your life! For more information on our services or to start your application online, check out our website at yourasecu.com.

Branch History & Mission

Community Connection

Our commitment extends beyond just banking; we strive to build lasting relationships through outreach programs and partnerships that reflect our dedication to Montgomery's residents. We understand that when our community thrives, so do we as a credit union. Whether you visit us during our operating hours from 8:30 AM to 4:30 PM, Monday through Friday, or utilize our drive-thru services or ATM availability, we're here for you every step of the way. Join us today at Alabama State Employees! Experience firsthand how we can help you navigate your financial journey and become part of a supportive community-focused credit union. For more information or to open an account online, please visit our website or call us at 334-270-9011. Together, let's build a brighter financial future!

Our Journey

From humble beginnings, Alabama State Employees has grown significantly over the decades. Today, we are proud to support a vibrant community of 42,776 members, with total assets amounting to an impressive $401,869,684. Our main office is located at 1000 Interstate Park Dr, Montgomery, AL 36109, conveniently situated near several local landmarks that make it easy for you to visit us. If you need to send official correspondence, please use our mailing address: PO Box 231150, Montgomery, AL 36123-1150. Over the years, we have embraced advancements in technology while maintaining a strong focus on customer service. With features like online banking and mobile payments, we ensure that our members can manage their finances easily and securely from anywhere.

Our Mission

At Alabama State Employees, our mission is clear: to provide exceptional financial services while fostering community growth and support. We believe in empowering our members through various offerings such as personal banking accounts, auto loans, mortgage refinancing options, credit cards with rewards, and business banking solutions. We are dedicated to helping you achieve your financial goals while contributing positively to the community. We take pride in being ADA compliant and ensuring that all members have equal access to our services. Additionally, we actively engage with local organizations and initiatives that strengthen the bonds within our community.

Branch Location & Accessibility

Call Us or Visit Today!

Should you have any questions or need assistance, don't hesitate to reach out! You can contact us at 334-270-9011. We encourage you to visit us soon at our Interstate branch or check out our website for more details about membership and services: yourasecu.com. We look forward to welcoming you into our credit union family!

Convenient Access and Features

Our branch is not just about convenience; it's also accessible for everyone. With ADA-compliant features and ramps, we ensure that all members can easily visit us. Parking is plentiful and readily available, making your trip hassle-free.

Operating Hours and Services

We understand that your time is valuable. That's why we offer lobby hours from Monday through Friday, from 8:30 AM to 4:30 PM. During these hours, our friendly staff is ready to assist you with a range of services including personal banking, auto loans, mortgage options, and more. If you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals. For those who prefer digital banking solutions, we offer robust online and mobile banking options so you can manage your finances wherever you are.

Member Eligibility

At Alabama State Employees, we believe that everyone deserves a chance to be part of our close-knit community. Joining us is easy and open to many! If you're a state employee or a family member of one, you can become a valued member. We welcome individuals who live, work, or worship in the area as well. To find out more about specific eligibility criteria, we invite you to check out our detailed information at https://www.yourasecu.com/who-can-join-ase. Once you know you qualify, opening an account is just a few clicks away! You can start your journey with us by visiting https://apply.yourasecu.com/imsiweb/web/loan-app. Should you have any questions or need assistance, don't hesitate to reach out at (334) 270-9011. We're excited to have you join us at Alabama State Employees, located at 1000 Interstate Park Dr Montgomery Al 36109, where you'll enjoy fantastic benefits and personalized service tailored just for you!

Business Banking & Commercial Services

Financing Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $123 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $10,834,499, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, our merchant services simplify payment processing so you can focus on what matters most running your business. From point-of-sale systems to online payment solutions, we ensure you can accept payments easily, whether you're at a storefront or on the go. Visit us at 1000 Interstate Park Dr Montgomery Al 36109 in Montgomery, AL or call us at (334) 270-9011 to learn how our business banking services can support your goals!

Comprehensive List Of Services

ATM & Drive-Thru Services

With access to our ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals, getting cash or making transactions fits seamlessly into your schedule. We also partner with other credit unions for shared branch transactions so you can handle deposits and withdrawals wherever you are. At Alabama State Employees, we're committed to delivering personalized service with a focus on community values. If you have any questions or want to learn more about how we can assist you in achieving your financial goals, don't hesitate to reach out! Call us at 334-270-9011 or visit us at our branch in Montgomery. We look forward to serving you!

Business Banking Services

For our business members, we offer comprehensive solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, Alabama State Employees is here to help your business thrive.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking features that allow you to bank on-the-go. From checking balances and transferring funds to making payments right from your phone, managing your finances has never been easier.

Home Financing Made Easy

Thinking about buying a home? Our mortgage loans and refinancing options are here to assist you every step of the way. We know how important it is to find the right loan for your situation, whether you're a first-time homebuyer or looking to refinance your existing mortgage for better terms.

Lending Options for Every Need

If you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services can provide the support you need. Plus, our credit cards with rewards let you earn while you spend perfect for those who love shopping or dining out!

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your daily finances efficiently. Imagine having the ability to easily track your spending and save for that dream vacation! Alongside these accounts, we offer auto loans and vehicle financing options that make purchasing a new car more straightforward than ever. With competitive rates and flexible terms, getting behind the wheel of your dream vehicle is closer than you think.

Digital & Online Banking

Key Features

With our online banking platform, accessible at https://www.yourasecu.com/, you can enjoy 24/7 access to your accounts. You can check balances, transfer funds, and even set up automatic payments all from the comfort of your own home. Our user-friendly mobile application makes it even easier to manage your money while you're out and about. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast. Plus, with our mobile payments option, you can make purchases directly from your phone without fumbling for cash or cards.

Security and Convenience

Security is a top priority for us at Alabama State Employees. We utilize electronic signature authorization for document signing, ensuring that your transactions are both safe and efficient. Additionally, e-statements are available so you can view your account statements anytime without the clutter of paper. We strive to provide services that meet your needs while keeping things straightforward and accessible. Whether it's checking your balance or making payments on the go, our digital banking solutions make it easy for you to stay in control of your finances. Experience the convenience of modern banking today with Alabama State Employees! For more information on our services, visit us at https://www.yourasecu.com/ or give us a call at (334) 270-9011.

Financial Strength

At Alabama State Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our solid foundation and commitment to your financial well-being, you can trust that your money is in safe hands. With a net worth of $49,626,997, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.34% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $27,041,922 in share certificates and $144,425,713 in money market shares, offering stable and rewarding financial growth opportunities. 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. With $37,255,462 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $9,490 in used auto loans and a total of $278,690,065 in loans and leases available for various needs. Our operational efficiency shines through with a net income of $2,926,040, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 122 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (funds available for lending and investments) stand at $7,715,388 while our total share accounts reflect a strong and growing member base that trusts us with their finances boasting 80,777 accounts in total. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alabama State Employees is your trusted partner. Visit us at 1000 Interstate Park Dr Montgomery Al 36109 or call 334-270-9011 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $162,223,843 in used vehicle loans and $25,770,543 in new vehicle loans already helping members get on the road. Whether you are purchasing a brand-new car or a reliable used one, we have financing options that can make your dream vehicle a reality.

Business Loans

For business owners, our outstanding commercial loans totaling $10,834,499 provide the capital needed to grow and expand your operations. We understand the unique challenges faced by small businesses and aim to support local entrepreneurs with financing solutions tailored for success. At Alabama State Employees located at 1000 Interstate Park Dr Montgomery Al 36109, our dedicated team is here to assist you through every step of the lending process. You can reach us at 334-270-9011 during our lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our loan products can make a difference in your life today! For more information about eligibility or to apply for a loan online, visit our website.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,428,173, make buying or refinancing simple. We provide personalized service to help you understand your options and find the best fit for your situation. Additionally, if you're considering refinancing your current mortgage, we have options available that could lower your monthly payments or help you access cash for other needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,393,929 in loans helping members manage their finances effectively. These cards come with rewards and benefits designed to enhance your spending power while providing you with peace of mind.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to verified sources means that users receive fair and transparent offers. Each loan listing undergoes rigorous verification processes, ensuring that the information presented is both current and reliable.