Alabama State Employees Credit Union Huntsville AL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Alabama, your trusted financial partner located at 1415 Paramount Dr, Huntsville, AL 35806. Since our establishment in 1956, we have proudly served our community, focusing on providing exceptional banking services tailored to meet your needs. With a total membership of 146,607 and total assets exceeding $1.9 billion, we are committed to ensuring that every member feels valued and supported. At Alabama, we understand the importance of financial well-being. Our diverse range of services includes personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Whether you are looking to secure a loan or simply need assistance with everyday banking, our dedicated team is here to help. Led by our CEO Stephen Swofford and Board President Ron Dulek, we take pride in fostering a culture of trust and accountability. With 390 employees ready to assist you, we strive to create an environment where members can easily access their funds through convenient options such as online banking and ATMs. While members can visit us at our branch location, official correspondence should be sent to the same address: 1415 Paramount Dr, Huntsville, AL 35806. Feel free to reach out to us at 256-713-1102 for any inquiries or assistance you may need. Join us at Alabama Credit Union today, where your financial goals become our mission! Explore how we can make a positive impact on your financial journey by visiting our website at https://www.alabamacu.com. We look forward to serving you!

Branch History & Mission

Accessibility & Services

To ensure that all members can access our services easily, we offer ADA-compliant facilities along with convenient ATM availability and drive-thru banking options. You can visit us 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. Should you need assistance or wish to reach out, feel free to call us at (256) 713-1102. While members can visit us at 1415 Paramount Dr Huntsville Al 35806, official correspondence should be sent to 1415 Paramount Dr, Huntsville, AL 35806 if different.

Community Focus

We take pride in being more than just a financial institution. Our commitment extends beyond traditional banking; we actively engage in partnerships and outreach programs that benefit our local communities. Whether it's sponsoring local events or providing educational resources on financial literacy, we strive to make a positive impact every day.

Join Us

As we continue our journey into the future, we invite you to become part of the Alabama family. Experience firsthand how we can help you achieve your financial goals while making a difference in the community. Together, let's build a brighter tomorrow! Visit us online at https://www.alabamacu.com/ or start your membership today at this link.

Our Evolution

From humble beginnings, Alabama has grown significantly over the years. We started with a small group of visionaries who believed in the power of cooperation and mutual support. Today, our assets have reached an impressive $1,923,885,152, allowing us to provide a wide range of services that enhance the lives of our members. As we evolved, we embraced technological advancements while maintaining our commitment to personal service and community engagement.

Our Mission

At Alabama, our mission is clear: to empower our members by providing exceptional financial services and fostering community well-being. We understand that banking is not just about transactions; it's about building relationships and supporting one another. Our goal is to offer accessible financial solutions tailored to meet individual needs from checking and savings accounts to auto loans, mortgages, and business banking services.

Branch Location & Accessibility

Welcome to Alabama's Hwy 72 Madison branch! Conveniently located at 1415 Paramount Dr in Huntsville, AL, our branch is designed with your needs in mind. Whether you're coming from the bustling heart of downtown or the serene outskirts, you'll find our location easily accessible. Nearby landmarks include the vibrant Bridge Street Town Centre and the expansive Redstone Arsenal, making it a perfect stop for all your banking needs. At this branch, we prioritize accessibility for all members. Our facility features ADA-compliant entrances and ramps, ensuring everyone can access our services with ease. Parking is plentiful and conveniently located right outside, so you won't have to worry about finding a spot. We understand that your time is valuable, which is why we offer flexible operating hours. Join us 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. With these hours, you can find a time that works best for you to visit us. For those on the go, we also provide ATM availability and drive-thru banking services for quick transactions like deposits and withdrawals without leaving your car. Plus, if you're part of our shared service center network, you can conduct basic transactions at partner credit unions too! Have questions or need assistance? Don't hesitate to give us a call at 256-713-1102. We invite you to visit our Hwy 72 Madison branch today we can't wait to assist you!

Member Eligibility

At Alabama, we believe that everyone deserves a supportive financial community, and becoming a member is easier than you might think! If you live, work, worship, or attend school in the area around 1415 Paramount Dr Huntsville Al 35806, you're likely eligible to join us. We welcome individuals from various backgrounds, including those with family members who are already part of our credit union. This connection not only opens the door to membership but also grants you access to a variety of benefits like competitive loan rates, personalized service, and community-focused initiatives. To get started, simply check out the detailed eligibility criteria at . Once you've confirmed your eligibility, opening an account is a breeze! Just visit us online at https://u4zacuta.secure.fundsxpress.com/start/u4zacuta or give us a call at (256) 713-1102 for any questions you may have. Join us at Alabama and experience firsthand how we prioritize your financial well-being!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer essential merchant services that allow businesses to operate smoothly. For instance, consider how easy it is for retailers to accept payments via credit cards and mobile wallets. Our services streamline transactions, making it convenient for both business owners and customers. If you're ready to take your business to the next level, visit us at 1415 Paramount Dr Huntsville Al 35806 in Huntsville, AL, or give us a call at (256) 713-1102. Let's work together to turn your vision into reality!

Our Loan Offerings

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

Accessibility for All Members

As part of our commitment to service, we also facilitate Basic Shared Branch Transactions for members of partner credit unions. This means that even if you're away from home, accessing your funds is still hassle-free! If you're ready to explore these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at (256) 713-1102, or visit us at 1415 Paramount Dr Huntsville Al 35806 in Huntsville. Your financial wellness is just a conversation away! Explore all these options and more by visiting our website: Hwy 72 Madison. We look forward to serving you!

Business Banking Solutions

For entrepreneurs and small business owners, we provide specialized Business Banking services. From Merchant Services that streamline transactions to Business Loans that fuel growth, we're committed to helping your business thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking platforms. You can manage your accounts from anywhere at any time! With features like person-to-person payments and e-statements, keeping track of your finances has never been easier. If you need cash on the go, take advantage of our ATM & Cash Withdrawal Services, available both at our branch and through partner locations. Plus, our basic drive-thru banking lets you handle deposits and withdrawals quickly without leaving your car.

Financial Assistance When You Need It

Life can throw unexpected challenges your way. That's why we offer Personal Loans & Debt Consolidation solutions tailored to help you regain control over your finances. Whether it's covering unexpected expenses or consolidating high-interest debt into one manageable payment, we've got your back. In addition, our Credit Cards with Rewards program allows you to earn points for everyday purchases making your spending work for you!

Personal Banking Solutions

We offer various Personal Banking options, including checking and savings accounts that cater to your everyday needs. Imagine having a safe place to store your money while earning interest at the same time! Whether you're saving for a vacation or managing daily expenses, our accounts come with features that make banking simple and accessible. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing options can help you get behind the wheel without breaking the bank. We provide competitive rates and flexible terms, making it easier for you to drive away in your dream car. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services can guide you through the process. Our knowledgeable staff will help you understand your options, ensuring you make informed decisions.

Digital & Online Banking

Additional Benefits

At Alabama, we've made it easy to sign documents electronically with our electronic signature authorization feature. Say goodbye to printing and scanning now you can complete transactions faster than ever! Our commitment to providing efficient service is evident in every aspect of our online offerings. Embrace the future of banking with Alabama where accessibility meets security. Join us today and take control of your financial journey with confidence!

Key Features

We offer a range of user-friendly features designed to simplify your banking experience. Enjoy the convenience of E-statements which are readily available for those who prefer going paperless saving trees and keeping things organized. For those moments when you need to send money to friends or family quickly, our person-to-person transfers make it effortless. If you're always on the go, you'll appreciate our mobile payments feature. This allows you to make purchases directly from your phone without having to dig for cash or cards. While we currently don't have a dedicated mobile application, our website is optimized for mobile use, ensuring that you can easily access all services on any device.

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 substantial; 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 Trust

Total Share Accounts stand at 257,053, showing a strong and growing member base that trusts us with their finances. This trust empowers us to keep enhancing our services while maintaining the highest standards of reliability. 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 1415 Paramount Dr Huntsville Al 35806 or call (256) 713-1102 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $0, 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.

Secured Member 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 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 $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. Whether you're considering a brand-new model or a reliable used vehicle, we have competitive financing options available to suit your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand. We understand that every business journey is different, so we tailor our lending solutions to support your specific goals. At Alabama, we're not just about lending; we're about building relationships. Our team is here to guide you through refinancing options or help you understand eligibility requirements for any of our loan products. We take pride in being a trusted financial partner within our community located at 1415 Paramount Dr Huntsville Al 35806, Huntsville, AL. If you have any questions or want to explore your options further, feel free to reach out at (256) 713-1102 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. 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 navigate your financial journey with confidence!

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 personalized guidance through every step of the process, ensuring that you find the best solution for your housing needs.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging, which is 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 and features designed to enhance your spending experience.

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 their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights the effectiveness of LendMesh in connecting borrowers with the best available rates. 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.*

Ensuring 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 commitment ensures fair and transparent offers for users. By relying on verified financial institutions, LendMesh guarantees that every comparison reflects accurate loan options available to consumers.

Alabama