Alabama State Employees Credit Union Decatur AL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Alabama's Decatur Branch, where your financial well-being is our top priority! Nestled at 2216 6th Ave SE, Decatur, AL 35601, we have been serving the community since 1956, growing alongside our members and adapting to their changing needs. With a strong membership base of 146,607 individuals, our commitment to supporting the local community has never wavered. At Alabama Credit Union, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage solutions. With total assets exceeding $1.92 billion, and over $80 million in deposits, you can trust us to manage your finances with care and dedication. Led by our experienced CEO, Stephen Swofford, and Board President, Ron Dulek, our team of 390 employees is always ready to assist you. Whether you're looking for a new vehicle loan or need advice on consolidating debt, we're here to help you every step of the way. We also pride ourselves on our accessibility our branch features a drive-thru service for your convenience and an ATM for quick transactions. While members can visit us at our Decatur location, official correspondence should be sent to our mailing address: P.O. Box 862998, Tuscaloosa, AL 35486. If you have any questions or need assistance, don't hesitate to call us at 256-353-8734. Join us today and experience the difference that a member-focused credit union can make in your financial life! Visit our website at www.alabamacu.com or drop by our branch we look forward to serving you!

Branch History & Mission

Looking Ahead

In keeping with modern advancements, we ensure our digital services are user-friendly and accessible. Our offerings include online banking, mobile payments, and electronic statements all designed with your convenience in mind. We're also proud to maintain ADA compliance so that all members can engage with our services comfortably. As we move forward together as a community-focused organization, we invite you to be part of our story. Join us at Alabama today and experience firsthand how we can help you achieve your financial goals while contributing positively to our shared community spirit. For more information or assistance, don't hesitate to reach out at 256-353-8734 or visit us online at Alabama Credit Union. Let's create a brighter financial future together!

Our Mission

The mission of Alabama is clear: we aim to empower our members by providing quality financial services while actively supporting community initiatives. We believe in giving back to the neighborhoods we serve through partnerships with local organizations and outreach programs that make a real difference. Our focus is not just on transactions but on building relationships based on trust and mutual respect. While you can visit us at 2216 6Th Ave Se, official correspondence should be sent to our mailing address at P. O. Box 862998, Tuscaloosa, AL 35486. We understand that convenience is key; that's why we offer extended 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 until 5:30 pm alongside drive-thru banking and ATM availability for your ease.

Branch Location & Accessibility

Convenient Access

Our branch is easy to find and offers ample parking for your convenience. If you're visiting us, you'll appreciate our ADA-compliant facilities that ensure everyone can access our services without any hassle. Plus, with our drive-thru banking available, you can quickly deposit or withdraw funds without leaving your car. If you need assistance outside of regular hours, we have an ATM available that allows you to perform basic transactions anytime.

Get in Touch

If you have any questions or would like more information about our services or branch accessibility features, don't hesitate to reach out! Give us a call at 256-353-8734. We look forward to welcoming you at the Alabama Decatur Branch soon!

Operating Hours

We want to make sure that banking fits into your busy schedule. Our lobby is open Monday, Tuesday, and Thursday from 9:00 am to 5:00 pm, Wednesday from 10:00 am to 5:00 pm, and Friday until 5:30 pm. No matter when you decide to visit, we're here ready to assist you.

Services Offered

At the Alabama Decatur Branch, we offer a wide variety of personal and business banking services. From checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is knowledgeable and eager to help you find the best financial solutions tailored just for you. We also provide online and mobile banking options so you can manage your finances on-the-go. While members can visit us at our physical location for all these services, please note that official correspondence should be sent to P.O. Box 862998, Tuscaloosa, AL 35486 if necessary.

Member Eligibility

Becoming a member of Alabama is like joining a caring family that prioritizes your financial well-being. If you live, work, or worship in the Decatur area, you're already on your way to eligibility! We also welcome anyone related to existing members, making it easy for friends and family to join our supportive community. With a range of benefits designed to enhance your banking experience, including competitive loan rates and personalized service, you'll quickly see why being part of Alabama is a wise choice. Opening an account is simple! Just visit us at 2216 6Th Ave Se Decatur Al 35601, or if you prefer to start online, check out the details at this link. If you have any questions or need assistance, feel free to give us a call at (256) 353-8734. For more detailed information about eligibility criteria, please visit this resource. We can't wait to welcome you!

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

Imagine having a streamlined way to accept payments from your customers this is where our merchant services come into play. By integrating easy-to-use payment solutions, you can focus on what you do best: running your business. Our tools help you manage transactions efficiently, ensuring you never miss a sale. Located at 2216 6Th Ave Se Decatur Al 35601 in Decatur, AL, our team is ready to partner with you on your financial journey. Reach out to us at (256) 353-8734 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Services

For our business members, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans tailored specifically for local enterprises. We believe that supporting small businesses is key to building strong communities.

Convenient Digital Banking

In today's fast-paced world, convenience is essential. That's why Alabama provides robust Online & Mobile Banking features. You can easily manage your accounts from anywhere pay bills, transfer funds, or check balances right from your smartphone or computer. We also have an ATM & Cash Withdrawal Service, ensuring that accessing your money is as easy as possible. If you prefer face-to-face interactions, our Drive-Thru Banking offers basic services such as deposits and withdrawals without leaving your car.

Home Financing

For those dreaming of home ownership or looking to refinance their current mortgage, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms. Our experienced team will guide you through each step, ensuring that you understand all your options.

Personal Banking

We understand that managing personal finances can be overwhelming at times. That's why we offer Checking & Savings Accounts that cater to different lifestyles and goals. Whether you're saving for a vacation or managing day-to-day expenses, our accounts are designed with you in mind. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options can make the process simple and affordable. We work with you to find a financing solution that fits your budget and gets you behind the wheel faster.

Personal Loans and Credit Options

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options are here to help you manage those challenges smoothly. With easy application processes and quick approvals, we aim to relieve your financial stress. Additionally, our Credit Cards with Rewards program allows you to earn points on every purchase, turning everyday spending into exciting rewards.

Shared Branch Transactions

As part of our commitment to accessibility, we provide Basic Shared Branch Transactions, allowing members of partner credit unions to perform deposits and withdrawals at our location. Whether you're stepping into our branch or using our online services, we strive for a welcoming experience every time. If you have any questions about our offerings or want assistance with any financial matters, don't hesitate to reach out! Call us at (256) 353-8734 or visit us during our operating hours: Monday through Tuesday and Thursday from 9:00 AM - 5:00 PM; Wednesday from 10:00 AM - 5:00 PM; and Friday from 9:00 AM - 5:30 PM. Join the Alabama family today where your financial needs are met with care! For more information about opening an account or exploring loan options, please visit us online at Decatur Branch. We look forward to serving you!

Digital & Online Banking

Key Services

Our online banking platform allows you to view your account balances, transfer funds, and pay bills all in one place. You can also take advantage of electronic signature authorization for a hassle-free way to sign documents securely from the comfort of your home. Plus, e-statements are available to help you keep track of your finances without the clutter of paper statements. If you're on the go, you'll love our mobile payments feature that lets you make purchases quickly and easily using just your smartphone. While we don't currently have a dedicated mobile application, our website is mobile-friendly, ensuring you can manage your accounts seamlessly from any device.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service makes it simple. Just a few taps on your device and the money is on its way!

Security & Ease of Use

Your security is our top priority. We use advanced technology to protect your personal information while ensuring that accessing your accounts remains user-friendly. Whether you're checking balances or making transactions, everything is designed with you in mind. At Alabama, we believe that managing your finances should be straightforward and accessible. Explore our digital banking services today and discover how easy it is to stay in control of your money!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 257,053, showing a strong and growing member base that trusts us with their finances. Our focus is always on delivering value to our members while maintaining a healthy balance sheet. 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 2216 6Th Ave Se Decatur Al 35601 or call (256) 353-8734 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 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 376 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting 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 supports members' financial goals across various sectors with $14,190 in used auto loans and $1,497,146,971 in total loans and leases.

Secure Savings Opportunities

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.

Strong Net Worth

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 $950 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

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 options for both new and used vehicles, ensuring you have access to affordable monthly payments that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand. We believe in supporting local businesses and are committed to offering financing solutions that help them thrive. At Alabama, we pride ourselves on our personalized service. Our dedicated team is ready to assist you with understanding your eligibility options and finding the right loan product that fits your specific needs. For more information or to get started on your loan application, please call us at (256) 353-8734 or visit us at our branch located at 2216 6Th Ave Se Decatur Al 35601 in Decatur, 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. Explore your options today!

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. Our credit cards come with various benefits designed to suit your lifestyle and spending habits.

Mortgage Options

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 offer competitive rates and terms that allow you to secure the home you've always wanted. If you're considering refinancing your current mortgage, our team is here to guide you through the process and find solutions that work for you.

Loan Aggregator

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 ensures that users receive fair and transparent offers tailored to their needs. Each loan comparison reflects current market rates, allowing users to see what different lenders offer in one convenient location.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This commitment to transparency helps users feel confident in their choices. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Users can trust that the information presented is objective and solely focused on helping them find the best rates. - Real-Time Rate Comparisons: LendMesh provides up-to-date loan rates from multiple institutions. This allows users to compare options quickly and efficiently, ensuring they have access to the most relevant information when making decisions. 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!" Such testimonials highlight the value and effectiveness of using this tool. Ready to take control of your finances? 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.*

Alabama