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

Introduction

Welcome to the Cullman Branch of Alabama Credit Union, where community matters and every member is treated like family. Established in 1956, our branch at 1901 Main Ave SW, Cullman, AL 35055 has been a cornerstone for financial support in our vibrant community. With a total membership of 146,607, we take pride in offering personalized services that cater to your unique needs. At Alabama Credit Union, we are committed to your financial well-being. Our assets have grown to an impressive $1,923,885,152, allowing us to provide robust lending options and exceptional service. We currently manage $80,198,128 in deposits and have issued 78,476 loans and leases, ensuring that our members have access to the funds they need for life's adventures from buying a car to purchasing a new home. Our leadership team is dedicated to fostering trust and transparency. Under the guidance of CEO Stephen Swofford and Board President Ron Dulek, we strive to create an inclusive environment where everyone feels valued. Whether you're visiting us for personal banking or business services, our friendly staff is ready to assist you with tailored solutions. While members can visit us at our Cullman location, official correspondence should be sent to 1901 Main Ave SW, Cullman, AL 35055. Feel free to reach out with any questions by calling us at (256) 737-9885 or faxing us at (205) 650-1020. We invite you to explore all that Alabama Credit Union has to offer by visiting our website at https://www.alabamacu.com. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Community Focus

Our mission extends beyond just financial transactions; it encompasses a genuine dedication to uplifting the Cullman community. We actively engage in partnerships and outreach initiatives aimed at supporting local organizations and events. This involvement not only strengthens our ties with the community but also reinforces our commitment to making a positive impact in the lives of those around us. While members can visit us at 1901 Main Ave Sw Cullman Al 35055, official correspondence should be sent to 1901 Main Ave SW, Cullman, AL 35055. We invite everyone in Cullman and beyond to experience what makes Alabama special. With dedicated staff ready to assist you at every turn and flexible operating hours Monday, Tuesday, Thursday, and Friday from 9:00 am - 5:00 pm, and Wednesday from 10:00 am - 5:00 pm we are here when you need us most.

Join Us

As we continue our journey into the future, we invite you to become part of the Alabama family. Join us today and discover how we can support your financial goals while fostering a vibrant community spirit. Together, we can achieve great things! For more information or assistance, please feel free to call us at (256) 737-9885 or visit our website at Cullman Branch.

Our Evolution

From humble beginnings, Alabama has evolved significantly. With total assets now standing at an impressive $1,923,885,152, we are proud to offer a wide range of services tailored to meet the diverse needs of our members. Whether you are looking for personal banking options, auto loans, or business financing, we strive to deliver exceptional service with every interaction. As part of our commitment to innovation and inclusivity, we ensure that our facilities are ADA compliant and equipped with modern conveniences such as online banking and mobile payments. Our drive-thru service makes banking even more convenient for those on the go, while our ATM availability means you can access your funds whenever you need them.

Branch Location & Accessibility

Connect With Us

We invite you to visit our Cullman Branch today! If you have any questions or need assistance before stopping by, don't hesitate to give us a call at 256-737-9885. Our dedicated team is eager to serve you and help you achieve your financial goals!

Nearby Landmarks and Accessibility

Nestled near popular local spots, our branch is just a short drive from the picturesque Cullman City Park. You'll find plenty of parking available right outside the entrance, making it simple to pop in for quick banking or to meet with one of our friendly staff members. We pride ourselves on accessibility, ensuring that everyone can easily navigate our facilities, including ADA-compliant features and ramps for those who need them.

Operating Hours and Services

Our lobby hours are designed with your schedule in mind. We're open Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM and on Wednesdays from 10:00 AM to 5:00 PM. Whether you're stopping by for personal banking services like checking and savings accounts or looking for auto loans and mortgage options, we're here to help! In addition to our lobby services, we offer convenient ATM access for quick withdrawals and balance checks. Our drive-thru banking allows you to handle basic transactions without leaving your vehicle perfect for those busy days when time is of the essence. Plus, as part of our shared service center network, members can take advantage of basic deposit and withdrawal transactions even if they belong to partner credit unions.

Member Eligibility

Becoming a member of Alabama is like joining a close-knit community that truly cares about your financial well-being. If you're wondering whether you qualify, you'll be pleased to know that eligibility is open to many! Generally, anyone who lives, works, or worships in the area around 1901 Main Ave Sw Cullman Al 35055 can become a member. This means you could enjoy all the benefits we offer, from low-interest loans to high-yield savings accounts. To check if you meet the detailed criteria and for the most current information, feel free to visit our eligibility page. Getting started is simple! Opening an account with us is designed to be quick and easy. You can start the process online by visiting our account opening page at https://u4zacuta.secure.fundsxpress.com/start/u4zacuta, or you can give us a call at (256) 737-9885 if you have any questions. We're here to help you every step of the way, making sure you feel supported as you take this exciting step toward better financial health!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $410 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $27 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $400,550,964, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Life Easier

In addition to loans, we offer comprehensive merchant services designed to simplify transactions. Whether you're accepting payments through a point-of-sale system or need online payment options, our services help streamline your operations and enhance customer satisfaction. Local businesses like yours can focus on what they do best while we take care of the financial details. Visit us at 1901 Main Ave Sw Cullman Al 35055 in Cullman, AL, or give us a call at (256) 737-9885 to explore how our business banking and commercial services can propel your enterprise forward!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services provide easy access to your funds whenever you need them. With basic ATM access available for withdrawals and balance checks, you'll have peace of mind knowing that your money is within reach.

Business Banking Services

For small business owners, our business banking services include essential tools like merchant services and business loans. We know that running a business comes with its own set of challenges, which is why we offer solutions designed to support your growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to manage your finances anytime, anywhere. You can check balances, transfer funds, or pay bills with just a few taps on your phone. Plus, with features like person-to-person payments, sending money to friends and family has never been easier.

Drive-Thru & Shared Branch Transactions

For those who prefer face-to-face interaction but might be short on time, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. Additionally, we participate in shared branch transactions for partner credit union members, making it simple to access your accounts even when you're away from home. At Alabama, we're more than just a credit union; we're part of your community. Our friendly staff is always ready to assist you with any questions or concerns you may have regarding our services. We invite you to visit us at 1901 Main Ave Sw Cullman Al 35055 or give us a call at (256) 737-9885. Discover how we can support your financial goals today!

Personal Banking Solutions

Our personal banking services cover everything from checking and savings accounts to auto loans and vehicle financing. If you're planning to purchase a new vehicle, our auto loans provide competitive rates that fit your budget. For those considering homeownership, our mortgage loans and refinancing options can help you find the right solution for your situation. In addition, we offer personal loans and debt consolidation options to help manage expenses or consolidate bills into one easy payment. And don't forget about our credit cards with rewards, perfect for those who love earning points while spending.

Digital & Online Banking

Convenience and Security

Security is our top priority. We offer electronic signature authorization to ensure that your transactions are safe and verified. Additionally, our e-statements make it easy to keep track of your financial activity while reducing paper clutter. Want to send money quickly? Our person-to-person transfer feature allows you to send money to friends and family instantly no hassle involved!

Key Services

Our online banking platform, available at https://www.alabamacu.com/, offers a range of features designed to simplify your banking experience. You can view your account balances, transfer funds, and pay bills all in real time. Plus, with 24/7 online banking services, you can access your accounts whenever it suits you best.

Mobile Features

For those who prefer banking on their mobile devices, we provide mobile payments options that let you make purchases right from your smartphone. While we currently do not have a dedicated mobile application, rest assured that our website is fully optimized for mobile use, ensuring that you can manage your accounts on any device. At Alabama, we're committed to providing tools that make banking easier for our members. Whether you're checking balances or making transfers, our user-friendly digital banking services are here to help you stay connected to your finances with ease and confidence.

Financial Strength

A Solid Foundation

With a net worth of $182,824,392, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.50% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

We're excited about our growth as shown by our total share accounts reaching 257,053, reflecting the trust our growing member base places in us. Our net shares available for lending stand at $0, reinforcing our ability to support your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alabama is your trusted partner. Visit us at 1901 Main Ave Sw Cullman Al 35055 or call (256) 737-9885 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Your savings are in safe hands. We have $551,780,861 in share certificates and $204,015,778 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $126,972,951, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a reported $3,520,690, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 376 full-time employees and 14 part-time employees ready to assist you with knowledge and dedication.

Reinvestment for Better Services

With $122,330,006 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 robust; with $14,190 in used auto loans and $1,497,146,971 in total loans and leases, we support your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $241,260,112 in used vehicle loans and $71,886,668 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used vehicle, we have flexible terms to help you get behind the wheel without breaking the bank.

Business Financing

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand your business. Whether you're starting up or looking to scale operations, we have options tailored for you. Our team is dedicated to finding solutions that fit your financial situation. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, don't hesitate to reach out! For any inquiries or assistance, feel free to contact us at (256) 737-9885 or visit us at our branch located at 1901 Main Ave Sw Cullman Al 35055 in Cullman, AL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Take control of your finances today with Alabama your partner in achieving financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,583,715, make buying or refinancing simple. We're here to guide you through the process, ensuring you understand every step along the way.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $16,899,024 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit you even further as you navigate your monthly budget.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures 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). This ensures that users receive fair and transparent offers.

ALABAMA CREDIT UNION - Cullman, AL

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

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Loan rates in Cullman, AL (35055)

Introduction

Branch History & Mission

Community Focus

Join Us

Our Evolution

Branch Location & Accessibility

Connect With Us

Nearby Landmarks and Accessibility

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Loan Options for Growth

Merchant Services That Make Life Easier

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Business Banking Services

Digital Banking Convenience

Drive-Thru & Shared Branch Transactions

Personal Banking Solutions

Digital & Online Banking

Convenience and Security

Key Services

Mobile Features

Financial Strength

A Solid Foundation

Growing Together

Member Savings Secured

Operational Efficiency

Reinvestment for Better Services

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

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