Alabama State Employees Credit Union Gulf Shores AL | Best Auto Loans & Business Banking

Introduction

At Alabama, we believe in building strong relationships with our members and fostering a sense of community. Located at 1700 Gulf Shores Pkwy, Gulf Shores, AL 36542, our branch has been serving the local area since 1956. With over 146,607 members and total assets exceeding $1.9 billion, we are dedicated to providing financial solutions that empower you to reach your goals. Our commitment to excellent service is evident in our diverse offerings, including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. Whether you're looking to finance your dream car or secure a loan for your business, Alabama is here to help. Led by our CEO, Stephen Swofford, and Board President Ron Dulek, our team of 390 employees is passionate about supporting our members' financial journeys. We pride ourselves on transparency and community involvement, ensuring that every decision we make reflects our dedication to your well-being. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to the same address. With total deposits amounting to $80,198,128 and a net worth of $182,824,392, we strive to maintain a strong financial foundation for all our members. If you're ready to experience personalized banking in a friendly environment, give us a call at 251-210-3573 or explore our services online at Alabama Credit Union. We look forward to welcoming you into our Alabama family!

Branch History & Mission

Commitment to Community

We are proud of our partnerships within the community that enable us to offer shared service center options and drive-thru banking for added convenience. Our ATM availability ensures that you have access to your funds whenever you need them. Additionally, we focus on digital advancements like online banking and mobile payments so you can manage your finances effortlessly. Alabama is not just about finance; we are invested in the well-being of Gulf Shores and its residents. Through various outreach programs and community initiatives, we strive to make a positive impact beyond banking services. Join us at Alabama! Experience firsthand how we blend quality financial services with a deep commitment to community support. Let's grow together visit us today or explore more about our offerings at our website. We look forward to welcoming you into the Alabama family!

Our Mission

The mission of Alabama is clear: to empower our members with exceptional financial services while fostering a strong sense of community. We believe that banking should be more than just transactions; it should enhance lives and build connections. Our services include personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions tailored to meet the unique needs of each member. While members can visit us at 1700 Gulf Shores Pkwy, official correspondence should be sent to the same address as there is no separate mailing address. Our operating hours are designed with your convenience in mind: 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 Features

We prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces, ensuring everyone can enjoy our services comfortably. Plus, we offer drive-thru banking for those who prefer a quick transaction without leaving their car.

Call to Action

We invite you to visit us soon! If you have any questions or need assistance before coming by, don't hesitate to give us a call at 251-210-3573. Let's work together towards your financial goals!

Operating Hours

Our friendly staff is ready to assist you during convenient hours: Monday, Tuesday, and Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Friday from 9 AM to 5:30 PM. We want to ensure that no matter when you need us, we're available to help with everything from personal banking needs like checking and savings accounts to auto loans and mortgages.

Services Offered

At the Gulf Shores Branch, we provide a wide array of services tailored just for you. From basic transactions such as deposits and withdrawals to more complex options like business banking and online services, we've got it all covered. We even have an ATM on-site for those who prefer cash transactions!

Member Eligibility

At Alabama, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is easier than you might think! If you live, work, worship, or attend school in the Gulf Shores area, you're likely eligible to join us. We welcome individuals from various walks of life, making it simple for anyone to take advantage of our friendly services and financial products. To get started on your journey with us, check out the detailed eligibility criteria. Opening an account is just as straightforward; you can begin the process online by visiting https://u4zacuta.secure.fundsxpress.com/start/u4zacuta. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (251) 210-3573. We're here to help you every step of the way as you embark on this exciting new chapter with Alabama at our branch located at 1700 Gulf Shores Pkwy Gulf Shores Al 36542!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer robust merchant services that make transactions easier for your business. Imagine being able to accept payments from customers anytime and anywhere, enhancing their shopping experience while boosting your sales. Our services include easy credit card processing and online payment solutions tailored for your needs. Let us help you take the next step towards achieving your business goals at our Gulf Shores location 1700 Gulf Shores Pkwy, Gulf Shores, AL 36542. For more information, call us at (251) 210-3573 or visit our website at Alabama Credit Union.

Tailored 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.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll appreciate our comprehensive business banking services. From merchant services that help streamline payments to business loans aimed at helping you grow or sustain your operations, we offer solutions designed for small businesses.

Convenient Banking Features

To make banking as convenient as possible, we offer online and mobile banking, giving you 24/7 access to your accounts. Need cash? Our ATM services allow easy withdrawals and balance checks whenever needed. If you prefer face-to-face interactions, our drive-thru service provides simple transactions like deposits and withdrawals without leaving your car. Plus, if you're a member of another credit union participating in shared branching, you can easily conduct basic transactions at our branch too!

Home Financing Options

Thinking about buying a home? Our mortgage loans and refinancing services are tailored to help you secure the financing needed for your dream home. Whether you're a first-time buyer or looking to refinance your existing mortgage for better rates, we've got your back every step of the way.

Loans for Personal Needs

Life can be unpredictable, and sometimes unexpected expenses arise. That's where our personal loans and debt consolidation services come into play. We aim to provide quick solutions that help you manage your finances effectively without added stress. For those who want to earn rewards while spending, our credit cards with rewards program offers great benefits tailored for everyday purchases.

Personal Banking Solutions

We understand that managing personal finances can be challenging. That's why we offer a variety of personal banking options including checking and savings accounts designed to fit your lifestyle. Our accounts come with features like online banking and mobile access, allowing you to check balances, transfer funds, and pay bills right from your phone or computer. If you're in the market for a vehicle, our auto loans and vehicle financing solutions make purchasing a car easy and affordable. We provide competitive rates and flexible terms to ensure that you find the perfect fit for your budget.

Reach Out Today!

At Alabama, we prioritize making banking accessible and straightforward for all our members. For more information about any of our services or to discuss how we can assist you further, don't hesitate to contact us at (251) 210-3573 or visit us online at Gulf Shores Branch. Join us today in achieving your financial goals!

Digital & Online Banking

Easy Transfers

Need to send money to a friend? Our person-to-person transfers make it simple and quick to send funds directly from your account. No more hassles just straightforward transactions when you need them. At Alabama, we're committed to providing an accessible banking experience tailored just for you. With user-friendly features and robust security measures in place, managing your money is easier than ever. Whether you're at home or out and about, we're here to support all your banking needs!

Pay Your Way

In today's fast-paced world, flexibility matters. That's why we offer mobile payments, allowing you to pay bills or make purchases directly from your smartphone. While we currently don't have a mobile application available, our website is fully optimized for mobile use, so you can manage your finances anytime and anywhere.

Security Meets Convenience

Your security is our top priority. We provide electronic signature authorization, ensuring that all your transactions are protected and verified. This feature not only streamlines your banking experience but also adds an extra layer of safety when handling sensitive information.

Financial Strength

Commitment to 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, supporting our members' financial goals across various sectors. Our operational efficiency shines through with a reported net income of $3,520,690 this year. This enables us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

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. Together, we work hard to build the trust you've placed in us.

Growing Membership

Total Share Accounts stand at 257,053, 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 is your trusted partner. Visit us at 1700 Gulf Shores Pkwy Gulf Shores Al 36542 or call (251) 210-3573 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

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

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 financing for a reliable used vehicle or a shiny new model, we have options that suit your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand. We understand the challenges businesses face and are here to help with tailored solutions that fit your specific needs. If you're interested in refinancing options or would like to know more about eligibility requirements, feel free to reach out. Our dedicated team at Alabama, located at 1700 Gulf Shores Pkwy Gulf Shores Al 36542, Gulf Shores, AL, is here to guide you through the lending process. To speak with us directly, call (251) 210-3573 during our operating hours: Monday, 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. 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 our loan offerings today and see how we can assist you on your financial journey!

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 provide competitive rates and flexible terms to support you through every step of the home-buying process.

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 can give you the purchasing power you need while allowing you to enjoy rewards and benefits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing data 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 transparency means users can trust that they are viewing fair offers aligned with industry regulations.

ALABAMA CREDIT UNION - Gulf Shores, AL

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Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

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Loan rates in Gulf Shores, AL (36542)

Introduction

Branch History & Mission

Commitment to Community

Our Mission

Branch Location & Accessibility

Accessibility Features

Call to Action

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Work for You

Tailored Loan Options

Comprehensive List Of Services

Business Banking Services

Convenient Banking Features

Home Financing Options

Loans for Personal Needs

Personal Banking Solutions

Reach Out Today!

Digital & Online Banking

Easy Transfers

Pay Your Way

Security Meets Convenience

Financial Strength

Commitment to Growth

Dedicated Team

Growing Membership

Member-Centric Savings

Solid Financial Health

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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