Alabama State Employees Credit Union Wetumpka AL | Best Auto Loans & ATM Services

Introduction

Welcome to Alabama State Employees in Wetumpka, where your financial well-being is our top priority! Located at 825 Wilson St, Wetumpka, AL 36092, we have been serving our community since 1954. As a trusted credit union with over 42,000 members, we pride ourselves on offering personalized services that cater to your unique financial needs. At Alabama State Employees, we understand the importance of community and commitment. With total assets of $401,869,684 and total deposits reaching $20,873,043, we are dedicated to providing stability and support for our members. Our seasoned team of 124 employees is here to assist you with various services including personal banking, auto loans, mortgages, and business banking solutions. Under the leadership of CEO Shannon Watkins and Board President Carol Preston, we aim to foster a welcoming environment where you can feel confident in your financial decisions. Whether you need help managing your savings or exploring loan options our experienced staff is ready to guide you every step of the way. We invite you to experience the difference that comes with being a member of Alabama State Employees. Visit us during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday, or give us a call at 334-270-9011. For more information about our services or to open an account online, please check out our website at yourasecu.com. Join us today and discover how we can make a positive impact on your financial journey!

Branch History & Mission

At Alabama State Employees, we take pride in our rich history and commitment to serving the community. Founded in 1954, our branch in Wetumpka, Alabama has grown alongside its members, evolving from a small credit union into a robust financial institution with a total membership of over 42,000. Located at 825 Wilson St, our branch is easily accessible and surrounded by the welcoming atmosphere of Wetumpka. Over the decades, we have seen remarkable growth in our services and assets, which now total more than $401 million. This journey reflects not only our dedication to providing exceptional financial products but also our passion for uplifting the community we serve. As we expanded our offerings ranging from personal banking to business loans we have remained focused on empowering individuals and families in achieving their financial goals. Our mission is clear: we strive to provide friendly and affordable financial services while fostering a spirit of community support and partnership. Whether you are seeking auto loans, mortgages, or simple checking accounts, we aim to create solutions that fit your unique needs. We believe that everyone deserves access to quality financial resources and guidance. While members can visit us at 825 Wilson St, official correspondence should be sent to 825 Wilson St, Wetumpka, AL 36092. Our operating hours are convenient for all Monday through Friday from 8:30 AM to 5:00 PM ensuring that you can always reach us when needed. Plus, with ATM availability and drive-thru banking services, accessing your funds has never been easier. As part of our commitment to innovation and inclusivity, we offer modern conveniences like online banking and mobile payments. Our facilities are ADA compliant, ensuring accessibility for all members of our community. Furthermore, we actively engage in outreach efforts that strengthen local partnerships and foster economic growth within Wetumpka. Join us at Alabama State Employees Credit Union and become part of a thriving community that values trust and support. Experience firsthand the difference a member-focused credit union can make in your financial journey. For inquiries or to start your membership today, please call us at 334-270-9011 or visit our website at yourasecu.com. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the Alabama State Employees Credit Union located at 825 Wilson St, Wetumpka, AL 36092! Our branch is conveniently situated in the heart of Wetumpka, making it easy for you to drop by and take care of your banking needs. Whether you're heading to the nearby Wetumpka City Hall or visiting the picturesque Coosa River, you'll find us just a short drive away. At our Wetumpka branch, we prioritize accessibility for all our members. We have ample parking available, including ADA-compliant features to ensure that everyone can access our services comfortably. If you prefer the convenience of banking from your vehicle, our drive-thru service is ready to assist with deposits and withdrawals without needing to leave your car. Our friendly team is here to serve you during our operating hours from Monday through Friday, 8:30 AM to 5:00 PM. Have questions? Feel free to give us a call at 334-270-9011; we're happy to help! In addition to traditional banking services, we offer a range of options tailored for your needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we aim to be your one-stop financial partner. Plus, if you're a member of another credit union, you can also take advantage of shared services right here! While members can visit us at 825 Wilson St for all their banking needs, official correspondence should be sent to the same address. We look forward to welcoming you soon! Stop by and discover how we can help you achieve your financial goals today!

Member Eligibility

Joining the Alabama State Employees community is a wonderful step toward enhancing your financial journey. At our branch located at 825 Wilson St, Wetumpka, AL 36092, we welcome individuals who are state employees or work in certain affiliated sectors, making it easy for you to become part of our supportive network. If you're not sure if you qualify, don't worry! You can find all the specific eligibility details by visiting our website at this link. Being a member means enjoying a range of benefits designed to help you thrive financially, from competitive loan rates to personalized banking services. Opening an account is straightforward and inviting. Simply follow the instructions found at this link to get started with your membership. If you have any questions or need assistance, feel free to give us a call at 334-270-9011. We're here to help you every step of the way as you take advantage of what Alabama State Employees has to offer!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services streamline payment processes so you can focus on what really matters growing your business. Imagine processing payments seamlessly from your customers while enjoying low transaction fees. Our tools help you manage finances efficiently, ensuring you spend less time worrying about payments and more time building relationships with your clients. Visit us at 825 Wilson St Wetumpka Al 36092 in Wetumpka, AL, or call us at (334) 270-9011 to learn how we can help your business thrive!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Additional Services for Your Convenience

We understand that sometimes banking needs are simple yet essential. That's why we offer drive-thru banking for quick deposits and withdrawals without leaving your car. Additionally, our shared branch transactions let members from partner credit unions access their accounts conveniently. With all these services under one roof at Alabama State Employees, we aim to make your banking experience as enjoyable as possible. If you're ready to explore what we can do for you, don't hesitate to reach out! Give us a call at 334-270-9011, visit us in Wetumpka, or check out our website at yourasecu.com for more information on how we can help meet your financial needs!

Business Banking Solutions

For business owners, we offer tailored business banking solutions, including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we understand the unique challenges faced by small businesses and are here to support your journey.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts from anywhere at any time. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. Need cash? Our ATMs provide easy access for withdrawals and balance checks whenever you need them.

Personal Banking Made Easy

When it comes to personal banking, we have you covered. We offer checking and savings accounts that help you manage your money effectively. Whether you're saving for a dream vacation or just need a reliable account for everyday expenses, our options are designed with you in mind. If you're in the market for a new vehicle, our auto loans and vehicle financing services make the process smooth and straightforward. Picture yourself driving off in a new car without the stress of complicated loan processes. We also provide mortgage loans and refinancing options, allowing you to turn your house into a home or save on monthly payments. For those unexpected expenses or projects around the house, our personal loans and debt consolidation services can provide the financial relief you need. Plus, with our credit cards featuring rewards, every purchase brings you closer to earning exciting perks.

Digital & Online Banking

Key Features

Our online banking service allows you to check your balance, pay bills, and transfer funds from the comfort of your home or on-the-go. You can also enjoy the benefits of e-statements, giving you easy access to your financial records without the clutter of paper. Plus, with electronic signature authorization, signing documents is quick and secure no more trips to the branch just to sign a form. Need to send money to a friend? Our person-to-person transfer feature makes it simple and instant. Just a few taps on your mobile device and you're done! Speaking of mobile devices, our user-friendly mobile application is available for download, making it even easier to manage your accounts wherever you are.

Security and Accessibility

We prioritize your safety in every transaction. Our digital banking services use advanced security features, so you can bank confidently knowing that your information is protected. Plus, with mobile payments integrated into our app, paying for everyday purchases is fast and secure. Whether you're at home or out running errands, our 24/7 online banking ensures that you have real-time control over your finances. With all these features designed with you in mind, Alabama State Employees truly makes banking easy and accessible for everyone. Join us today and experience the convenience of modern banking!

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. We are proud of our strong financial position, which reflects our commitment to serving our members with reliability and care. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 is reflected in the $9,490 in used auto loans and a total of $278,690,065 in loans and leases supporting members' financial goals across various sectors. Our net income of $2,926,040 reflects our operational efficiency, 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 and committed team. Net Shares (Funds available for lending and investments): $7,715,388. Total Share Accounts: 80,777, showing a strong and growing member base that trusts us with their finances. 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 825 Wilson St Wetumpka AL 36092 or call 334-270-9011 to learn more about how we can help you achieve your financial goals.

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. We provide flexible terms and competitive interest rates to ensure you can drive off with a payment plan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $10,834,499 provide the capital needed to grow and expand. We recognize that running a business comes with unique challenges and opportunities; thus, our tailored solutions are designed to meet those specific needs.

Credit Lines

For those needing extra flexibility in their finances, our total credit lines amount to $109,874,650. This service can be an excellent way to handle unexpected expenses or ongoing projects without taking out a traditional loan.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process and find the best fit for your situation.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages for better terms or rates, our team is ready to assist you. We will work closely with you to evaluate your current financial situation and identify opportunities for savings. To learn more about these loan offerings or discuss eligibility options tailored just for you, feel free to visit us at our branch located at 825 Wilson St Wetumpka AL 36092, or give us a call at 334-270-9011. We are open Monday through Friday from 8:30 AM to 5:00 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. Let Alabama State Employees help you take the next step toward achieving your financial aspirations!

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. This option allows you to make purchases without tying up collateral while enjoying low-interest rates and rewards for responsible usage.

Loan Aggregator

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Ensuring Accurate 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), ensuring fair and transparent offers. This commitment to accuracy means users can trust that they are viewing genuine loan options tailored to their needs.