Alabama State Employees Credit Union Cullman AL | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Alabama, your trusted financial partner located at 3101 Hwy 157, Cullman, AL 35058. Since opening our doors in 1956, we have proudly served the Cullman community and beyond, fostering a spirit of cooperation and support among our 146,607 members. With total assets exceeding $1.92 billion, we stand as a pillar of stability and reliability in the financial landscape. At Alabama, we understand that each member's financial journey is unique. Our commitment to providing personalized services has resulted in over $80 million in deposits and an impressive portfolio of loans amounting to 78,476 active accounts. Whether you're looking for auto loans, mortgages, or personal banking solutions, our diverse offerings are designed to meet your needs. Our leadership team is dedicated to ensuring that every member feels valued and heard. Under the guidance of CEO Stephen Swofford and Board President Ron Dulek, we strive to create an inclusive environment where everyone can achieve their financial goals. With a dedicated staff of 390 employees, we're here to help you navigate your financial decisions with confidence. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 3101 Hwy 157, Cullman, AL 35058. You can reach us at (256) 255-1767 for any inquiries or assistance. Explore our website at alabamacu.com to learn more about how we can help you achieve your financial dreams. Join us today and experience the Alabama difference!

Branch History & Mission

A Community Focus

At Alabama, we believe in giving back. Our partnerships with local organizations help us support initiatives that uplift families and individuals in need. Whether through financial literacy programs or community events, we work tirelessly to make a positive impact. We invite you to join us on this journey! Experience firsthand the benefits of membership at Alabama Credit Union. Together, let's build a brighter financial future for you and your family. Visit us today!

Our Mission

Our mission is simple yet profound: to provide exceptional financial services while empowering our community. We are committed to offering personal banking solutions that cater to the diverse needs of our members. Whether it's checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we strive to enhance the financial well-being of those we serve. Beyond banking, we actively engage in community outreach initiatives aimed at fostering growth and development throughout Cullman. As technology advances, so do we. We ensure that our services are user-friendly and accessible to everyone. From online banking and mobile payments to ATM services available at our branch, we're dedicated to making your banking experience smooth and efficient. Furthermore, our drive-thru banking provides added convenience for quick transactions. While members can visit us at 3101 Hwy 157, official correspondence should be sent to the same address as our mailing address: 3101 Hwy 157, Cullman, AL 35058. You can reach us by phone at 256-255-1767 during our operating hours: Monday, Tuesday, and Thursday from 9:00 am to 5:00 pm; Wednesday from 10:00 am to 5:00 pm; and Friday from 9:00 am to 5:30 pm.

Branch Location & Accessibility

Accessibility and Convenience

At our Cullman North Branch, we strive to make banking as convenient as possible. We offer ample parking for our members, and our location is designed with accessibility in mind, featuring ADA-compliant ramps and entrances. If you're on the go, take advantage of our drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. While members can visit us at 3101 Hwy 157, official correspondence should be sent to the same address. You can reach us directly at 256-255-1767 if you have any questions or need assistance.

Call to Action

We invite you to come experience the friendly atmosphere and personalized service at the Cullman North Branch. Whether you're looking to open an account or explore loan options, we're here for you! Don't hesitate to drop by or call us today your financial journey starts here!

Operating Hours

We know your time is valuable. That's why we're open during convenient hours to fit your busy schedule. Visit us Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM, Wednesday from 10:00 AM to 5:00 PM, and Friday from 9:00 AM to 5:30 PM. Our friendly staff is always ready to assist you during these times.

Services Available

At Alabama Credit Union's Cullman North Branch, we offer a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, we provide ATM access for cash withdrawals and balance checks whenever you need them.

Member Eligibility

At Alabama, we believe that everyone deserves a chance to be part of a supportive and thriving community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Cullman area, you're likely eligible to join us. We're here to provide you with personalized financial services that cater to your unique needs, whether you're looking for checking accounts, auto loans, or even mortgage options. Joining our family not only gives you access to great products but also connects you with people who genuinely care about your financial wellbeing. To get started on your journey with us, simply visit our account opening page at https://u4zacuta.secure.fundsxpress.com/start/u4zacuta or give us a call at (256) 255-1767 if you have any questions. For more details on eligibility criteria, feel free to check out our resource page. We look forward to welcoming you to the Alabama community at 3101 Hwy 157 Cullman Al 35058!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer robust merchant services that simplify payment processing. Imagine having a reliable partner that helps streamline transactions, allowing you to focus on what matters most growing your business. Our tools are designed to enhance customer experiences while keeping your operations smooth and efficient. Visit us at 3101 Hwy 157 Cullman Al 35058 in Cullman, AL, or call us at (256) 255-1767 to learn how we can help your business thrive!

Comprehensive List Of Services

Basic Drive-Thru Services

Sometimes quick transactions are necessary. Our Basic Drive-Thru Banking allows for hassle-free deposits and withdrawals right from your vehicle. This service is perfect for those busy days when you're on the go! We invite you to experience the comprehensive suite of services available at Alabama in Cullman. For any questions or assistance, feel free to reach out at (256) 255-1767. We're here to support you in achieving your financial goals! Ready to take the next step? Visit us or check out more about what we offer at our website. We look forward to serving you!

Business Banking

For small business owners, we offer tailored solutions through our Business Banking services. This includes essential tools like merchant services and business loans designed to help your business thrive.

Credit Cards

Our Credit Cards with Rewards allow you to earn benefits on your purchases while enjoying the convenience of cashless payments. It's an excellent choice for anyone who wants to make their spending work for them.

Digital Banking Features

In today's fast-paced world, we prioritize convenience. With our Online & Mobile Banking, you can manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or making payments, you'll find it all at your fingertips. Plus, our ATM & Cash Withdrawal Services ensure that you have easy access to your money whenever you need it.

Loans and Financing

When it comes to financing, our Auto Loans & Vehicle Financing options can get you behind the wheel of your dream car without the stress. If you're looking to buy a home, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms. For those unexpected expenses or debt consolidation needs, our Personal Loans are here to lend a hand.

Personal Banking

We understand that everyone has different financial goals. That's why we offer Personal Banking services, which include checking and savings accounts designed to help you manage your daily finances effectively. Whether you're saving for a special occasion or simply need a reliable account for everyday transactions, we've got you covered.

Digital & Online Banking

Accessibility and Security

Managing your money has never been more convenient with person-to-person transfers. Whether you're sending money to friends or family or splitting a bill, this feature simplifies transactions in real-time. We take security seriously, implementing robust measures to protect your personal information and transactions so that you can bank with peace of mind. At Alabama, we are committed to making banking accessible for everyone. Our digital and online services are designed not only for ease of use but also for flexibility allowing you to manage your finances according to your own schedule. With us, banking isn't just about numbers; it's about empowering you with tools that make financial management simpler and safer. Explore all these features today by visiting us at https://www.alabamacu.com/!

Key Features

Our online banking platform is user-friendly, allowing you to check balances, pay bills, and transfer funds with just a few clicks. Plus, we provide electronic statements for those who prefer a paperless approach, making it easier for you to keep track of your financial activities while reducing clutter. With our electronic signature authorization feature, signing documents is quick and hassle-free. If you're always on the move, you'll appreciate our mobile payments feature. You can make purchases directly from your phone without needing cash or cards. While we currently don't have a dedicated mobile application, our website is fully optimized for mobile devices, ensuring you have access to all features at your fingertips.

Financial Strength

Growing Community Trust

Total Share Accounts stand at 257,053, showing a strong and growing member base that trusts us with their finances. This trust underscores our commitment to you as your reliable partner in achieving your financial goals. 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 3101 Hwy 157 Cullman Al 35058 or call (256) 255-1767 to learn more about how we can help you achieve your financial goals.

Investment in Growth

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 members' financial goals across various sectors.

Member-Focused Savings

Members' savings are secured through $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 is reflected in our $3,520,690, which allows 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

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.

Loan Offering

Additional Financing Options

For those looking for business financing, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand your enterprise. We cater to both individual borrowers and business owners, ensuring that everyone has access to the funds they need. If you're interested in any of these products or want to learn more about eligibility requirements and refinancing options, feel free to contact us at (256) 255-1767 or visit us at our branch located at 3101 Hwy 157 Cullman Al 35058 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. Let us help you take the next step towards achieving your financial aspirations!

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. We provide financing for both new and used vehicles, ensuring that you can find the right fit for your budget. Plus, refinancing options are available if you want to lower your monthly payments or reduce your interest rate.

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 aim to guide you through the process and offer competitive rates that can make owning a home more affordable than ever.

Unsecured Credit Card Loans

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. These cards provide an easy way to handle unexpected expenses or everyday purchases without tying up your savings.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see all options equally, allowing you to choose what's best for your situation. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions. You can quickly assess which options might work best for you, saving both time and money. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the real-world impact LendMesh has on its users' financial decisions. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh and take a step towards making an informed financial choice. *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.*

ALABAMA CREDIT UNION - Cullman, AL

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Cullman, AL (35058)

Introduction

Branch History & Mission

A Community Focus

Our Mission

Branch Location & Accessibility

Accessibility and Convenience

Call to Action

Operating Hours

Services Available

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Basic Drive-Thru Services

Business Banking

Credit Cards

Digital Banking Features

Loans and Financing

Personal Banking

Digital & Online Banking

Accessibility and Security

Key Features

Financial Strength

Growing Community Trust

Investment in Growth

Member-Focused Savings

Operational Efficiency

Solid Financial Health

Loan Offering

Additional Financing Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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