Alabama State Employees Credit Union Hoover AL | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to the Alabama credit union, proudly serving our members since 1956! Located at 1604 Montgomery Hwy, Hoover, AL 35216, we are committed to providing exceptional financial services tailored to meet your needs. With a strong community focus, we've grown to serve over 146,607 members and manage total assets of $1,923,885,152. Under the leadership of our CEO Stephen Swofford and Board President Ron Dulek, we strive to foster a welcoming environment where every member feels valued. Our dedicated team of 390 employees is here to assist you with everything from personal banking and auto loans to mortgage financing and business services. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 1604 Montgomery Hwy, Hoover, AL 35216-4918. At Alabama Credit Union, we understand that trust is built on reliability and transparency. With total loans exceeding 78,476, and deposits amounting to $80,198,128, we are dedicated to ensuring your money works for you. We take pride in having a net worth of $182,824,392, demonstrating our stability and commitment to responsible banking practices. Join us as we continue to make a positive impact in our community. Whether you're looking for checking accounts, savings options, or loans with competitive rates, we're here for you. Don't hesitate to reach out call us today at 205-849-0497 or visit our website at alabamacu.com for more information. Let's work together towards your financial goals!

Branch History & Mission

Commitment to Excellence

Our commitment extends beyond traditional banking methods. We embrace digital advancements to make banking easier for you. With features like online banking, mobile payments, and ATM access available at our branch, managing your finances has never been simpler. For those who prefer in-person interactions, we offer convenient drive-thru banking services as well as shared service center options for added flexibility. While members can visit us at 1604 Montgomery Hwy Hoover Al 35216, official correspondence should be sent to 1604 Montgomery Hwy, Hoover, AL 35216-4918 if it differs from the branch address. Our team is always ready to assist you 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. We invite you to experience the difference at Alabama. Join us today and become part of a community-focused credit union that puts people first! Whether you're looking for a new account or seeking advice on financial matters, we're here for you every step of the way. Reach out to us at (205) 849-0497 or visit our website at https://www.alabamacu.com/ for more information on how you can start benefiting from membership with us!

Our Mission

At Alabama, our mission is clear: to empower our members through accessible financial services while actively supporting our local community. We believe that banking should be more than just transactions; it should be about building relationships and enhancing lives. This mission drives us to provide a wide array of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking solutions. Community involvement is at the core of what we do. We engage in various outreach programs that support local schools, charities, and events. By partnering with organizations that share our values, we aim to uplift those around us and contribute positively to the vibrant community of Hoover.

Branch Location & Accessibility

Convenient Features and Nearby Landmarks

Our branch is not only easy to find but also accessible. Whether you're visiting us for personal banking services or business needs, you'll appreciate the ample parking available right outside our doors. We are committed to ensuring accessibility for everyone, featuring ADA-compliant entrances and ramps. While you're in the area, consider stopping by nearby landmarks like the Riverchase Galleria or enjoying a meal at one of the local restaurants. It's all part of the vibrant community atmosphere that makes banking with us enjoyable.

Let’s Connect!

If you have any questions or would like more information about our services, feel free to give us a call at 205-849-0497. We look forward to serving you soon! Whether you're a current member or looking to join our community, visit us at the Alabama Credit Union Hoover Branch today!

Operating Hours That Fit Your Schedule

At Alabama Credit Union's Hoover Branch, we understand that your time is valuable. That's why we offer flexible operating hours designed to accommodate your busy life. Our lobby hours are 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.

Services Tailored for You

We provide a variety of services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards all under one roof! Plus, with our drive-thru banking option and ATM availability, managing your finances has never been easier. If you're a member of another partner credit union, don't forget about our shared service center options for even more convenience.

Member Eligibility

Joining Alabama is like stepping into a welcoming community where your financial well-being is a top priority. To become a member, you just need to meet some friendly eligibility criteria that are designed to include as many people as possible. Generally, if you live, work, worship, or attend school in the area around 1604 Montgomery Hwy Hoover Al 35216, you're likely eligible to join us! We believe everyone deserves access to great financial services and benefits, so we make it easy for you to get started. For more detailed information on eligibility requirements, feel free to visit our resource page at . Once you're ready to take the next step, opening an account is straightforward. You can start the process online through this link: 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 (205) 849-0497. We're here to help you every step of the way as you embark on your journey with Alabama!

Business Banking & Commercial Services

Member and Non-Member Commercial Loans

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

But it's not just about loans; we offer merchant services that help you manage transactions smoothly. Imagine accepting payments easily through mobile devices or online platforms no more waiting for checks to clear or dealing with complex payment systems. Our merchant services are here to simplify your operations and enhance customer satisfaction. Located at 1604 Montgomery Hwy Hoover Al 35216 in Hoover, AL, we're ready to partner with you on your journey to success. Call us today at (205) 849-0497 to learn more about how we can assist your business!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those who prefer in-person transactions, we have an ATM available for quick cash withdrawals and balance checks right when you need them. Our drive-thru service allows for simple banking transactions like deposits and withdrawals without leaving the comfort of your vehicle.

Business Banking Services

For our business members, we provide essential banking services that support your entrepreneurial journey. From merchant services to business loans, we're dedicated to helping your business thrive in today's competitive market.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! These cards not only offer convenience but also give you points for everyday purchases that can be redeemed for exciting rewards, making every dollar spent work harder for you.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime and anywhere is crucial. That's why we offer robust online and mobile banking options. You can easily manage your accounts, pay bills, transfer funds, and even send money to friends with just a few taps on your smartphone.

Personal Banking Solutions

We offer various personal banking options tailored to fit your lifestyle. Our checking and savings accounts make it easy for you to manage your day-to-day finances while saving for future goals. If you're thinking about purchasing a new car, our auto loans and vehicle financing solutions provide competitive rates and flexible terms that can help get you on the road faster. When it comes to home ownership, our mortgage loans and refinancing options are here for you. We aim to simplify the process so that you can focus on making your house a home. And if unexpected expenses arise, our personal loans and debt consolidation services can help you regain control over your finances.

Shared Branch Transactions

If you're a member of another partner credit union, you'll benefit from our shared branch transactions too! This means you can make deposits and withdrawals with ease while traveling or when you're away from home. At Alabama, we're here to meet all your financial needs with dedication and care. Whether you want to open an account or learn more about our services, visit us at 1604 Montgomery Hwy Hoover Al 35216 in Hoover, AL or call us at (205) 849-0497 today! Let's work together toward a brighter financial future.

Digital & Online Banking

At Alabama, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to provide you with convenience and security, all at your fingertips. Whether you're at home, at work, or on the go, managing your finances has never been easier. With our robust online banking platform available at https://www.alabamacu.com/, you can access your accounts 24/7. This means you can check your balance, pay bills, and transfer money whenever it suits you. Plus, our person-to-person transfer feature allows you to send money to friends and family quickly and easily. No more waiting in line or dealing with cash! We prioritize your security with features like electronic signature authorization, so you can sign documents safely without the hassle of printing and mailing. You can also opt for e-statements, which not only help reduce paper waste but make it simple to keep track of your transactions from anywhere. For those who prefer mobile payments, Alabama has got you covered! Our services support mobile payments, allowing you to pay with just a tap on your phone. While we currently do not have a dedicated mobile application, our website is fully optimized for mobile use, ensuring that you can manage your banking needs seamlessly. We take pride in making banking accessible and user-friendly for everyone. Our online banking services are designed for real-time account management so that you're always in control of your finances. Experience the ease and safety of digital banking with us today!

Financial Strength

Commitment to Growth

Our commitment to reinvesting in our community is evident with $122,330,006 in undivided earnings. This investment supports innovative banking tools, stronger lending options, and enhanced security measures tailored for your needs. With $14,190 in used auto loans and a total of $1,497,146,971 in loans and leases, we are here to help you achieve your financial goals across various sectors.

Growing Trust

With a total of 257,053 deposit accounts, we demonstrate a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, further showcasing our ability to support you when it matters most. In conclusion, 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 1604 Montgomery Hwy Hoover Al 35216 or call (205) 849-0497 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secured through $551,780,861 in share certificates and $204,015,778 in money market shares. These options not only provide safety but also offer stable and rewarding growth opportunities for your finances. Unlike traditional banks, we prioritize our members. With non-member deposits at $126,972,951, we ensure that our resources focus on benefiting you with better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, allowing us to continue offering competitive loan rates and solid financial products tailored for you. We pride ourselves on having a dedicated team of 376 full-time employees and 14 part-time employees, ensuring that our branches are always ready to serve you with knowledgeable support.

Solid Financial Health

With a net worth of $182,824,392, we maintain robust financial health. This strength empowers us to support our members effectively, ensuring that your savings and investments are in safe hands. Additionally, our net worth ratio of $950 showcases our solid capital base, enabling us to continue providing loans and competitive savings rates without interruption even during 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 that cater to both new and used vehicles, ensuring you have access to the funds you need when you're ready to drive away in your next car.

Business Loans

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand. We recognize that businesses require different types of financing at different stages, and our team is here to assist you in finding the best solutions for your business needs. If you're interested in refinancing any of our loan products or would like more information about eligibility options, please don't hesitate to reach out. Our knowledgeable staff at Alabama, located at 1604 Montgomery Hwy Hoover Al 35216, Hoover, AL, is ready to assist you. Give us a call at (205) 849-0497 during our operating hours: - Monday, Tuesday, Thursday: 9:00 am - 5:00 pm - Wednesday: 10:00 am - 5:00 pm - Friday: 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. We're committed to supporting our community by providing transparent and reliable financial services tailored just for you!

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 make the home-buying process as straightforward as possible, guiding you through each step and offering competitive rates that fit your budget.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging without the right support. 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 come with various benefits tailored to help you stay on top of your spending while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

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Alabama