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

Introduction

Welcome to Alabama your trusted financial partner located at 17939 Hwy 96, Kennedy, AL 35574. Since opening our doors in 1956, we have dedicated ourselves to serving our community with integrity and commitment. With a membership base of over 146,607 individuals, we pride ourselves on fostering strong relationships and providing personalized services that meet your unique financial needs. At Alabama, we understand that life can be unpredictable. That's why our total assets amount to an impressive $1,923,885,152, ensuring that we have the resources to support you when it matters most. Whether you're looking for auto loans, mortgages, or personal banking options, we've got you covered with 78,476 loans and leases designed to help you achieve your goals. Our branch is not just a place to bank; it's a hub of community engagement. We are proud to report total deposits of $80,198,128, reflecting the trust our members place in us. Our net worth stands strong at $182,824,392, which allows us to continually invest back into our services for your benefit. Led by our dedicated CEO Stephen Swofford and Board President Ron Dulek, our team of 390 employees works tirelessly to ensure that your banking experience is smooth and rewarding. We also offer convenient services such as online banking and drive-thru access for added flexibility. While members can visit us at our branch location in Kennedy for all their banking needs, official correspondence should be sent to the same address: 17939 Hwy 96, Kennedy, AL 35574. We invite you to reach out and discover how Alabama can assist you on your financial journey. Feel free to call us at 888-817-2002 or visit our website at alabamacu.com for more information. Your financial future starts here!

Branch History & Mission

Commitment to Excellence

As technology evolves, so do we. Our digital advancements ensure that members can access their accounts easily through online banking and mobile payments. We remain committed to ADA compliance, ensuring that all members have equal access to our services. Our branch features an ATM for convenient cash withdrawals, along with drive-thru banking options for quick transactions without leaving your vehicle. While you can visit us at 17939 Hwy 96, official correspondence should be sent to the same address: 17939 Hwy 96, Kennedy, AL 35574.

Join Us Today

The story of Alabama Credit Union is one of growth, community spirit, and unwavering support for our members. We invite you to become part of this inspiring journey. Experience firsthand the benefits of membership from competitive loan rates to personalized financial guidance. For any inquiries or assistance, feel free to call us at 888-817-2002 during our operating hours: Tuesday & Thursday from 9:00 AM - 5:00 PM and Friday from 9:00 AM - 5:30 PM. Join us today and let's build a brighter future together!

Our Mission

At Alabama Credit Union, our mission goes beyond offering traditional banking services. We aim to empower our members by providing them with the tools they need to succeed financially. This includes everything from checking and savings accounts to auto loans, mortgages, and credit cards all designed with our members' best interests in mind. We believe in supporting not just our members but also the greater Kennedy community. Through various outreach programs and partnerships, we actively engage in initiatives that uplift those around us. Whether it's sponsoring local events or collaborating with schools and charities, we are dedicated to making a positive impact where it matters most.

Branch Location & Accessibility

Welcome to the Kennedy Branch of Alabama, where convenience meets community! Nestled at 17939 Hwy 96 in the heart of Kennedy, Alabama, our branch is easy to find and accessible for all. Whether you're coming from nearby landmarks like the local park or heading down the highway, you'll appreciate our welcoming atmosphere and dedicated services. At our branch, we prioritize accessibility. We offer ample parking and ADA-compliant features, ensuring that everyone can comfortably visit us. If you need assistance, our friendly staff is always ready to help. For your banking needs, we provide a drive-thru service for quick transactions, allowing you to manage your finances without leaving your car. Our operating hours are designed to fit your busy schedule. You can visit us on Tuesdays and Thursdays from 9:00 AM to 5:00 PM, and on Fridays from 9:00 AM to 5:30 PM. Our drive-thru service is available earlier on those days from 8:30 AM. Need cash? We also have an ATM on-site for easy access to your funds. While members can visit us at 17939 Hwy 96, official correspondence should be sent to the same address as our mailing address is also 17939 Hwy 96 in Kennedy. If you have any questions or need assistance with personal banking services such as checking accounts, auto loans, or mortgage refinancing, don't hesitate to reach out. Call us at 888-817-2002 today! We look forward to welcoming you into our branch and helping you achieve your financial goals.

Member Eligibility

At Alabama, we believe that joining our community should feel welcoming and inclusive. If you're looking to become a member, you'll find that eligibility is quite straightforward. We welcome individuals who live, work, worship, or attend school in the area surrounding our branch at 17939 Hwy 96 Kennedy Al 35574. This means if you're part of the local community, you're likely eligible! Becoming a member opens up a world of benefits, including access to personalized financial services tailored just for you. Ready to get started? Opening an account with us is a breeze! You can find all the details on how to sign up by visiting our account opening page at https://u4zacuta.secure.fundsxpress.com/start/u4zacuta. If you have any questions or need assistance, feel free to reach out at (888) 817-2002. For the most accurate and updated eligibility criteria, check out our detailed information at . We're excited to welcome you into our family!

Business Banking & Commercial Services

Business Loans That Empower Growth

Imagine starting a new project that could take your business to the next level. With our commercial loans, you don't have to just dream about it you can make it happen. 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 Tailored for You

In addition to loans, we offer merchant services that simplify payment processing. Whether you run a retail store or a service-based business, having efficient payment solutions is crucial. With our merchant services, you can accept payments seamlessly, giving your customers a smooth experience while keeping your cash flow steady. At Alabama, we're not just a bank; we're your partner in success. Let us help you navigate the path to growth! For more information or to discuss how we can assist your business, give us a call at (888) 817-2002 or visit us at 17939 Hwy 96 Kennedy Al 35574.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick access to cash? Our ATM services ensure you have convenient access whenever needed. Plus, our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your vehicle perfect for busy days when time is tight. At Alabama, we believe that effective financial management should be accessible to everyone. With our dedicated team ready to assist you at every step of the way, we're here not only as a service provider but as a partner in your financial journey. Feel free to reach out at (888) 817-2002 or visit us at Kennedy Branch for more information about any of these services! Your financial success is just a conversation away!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easy for you to hit the road in style. We understand that transportation is crucial, whether it's commuting to work or planning weekend adventures with family and friends. With competitive rates and flexible terms, you can drive away knowing you've made a smart financial choice.

Business Banking

For small business owners, we offer comprehensive business banking solutions including merchant services and business loans. We know how hard you work to build your business, and our services are here to support that journey. From managing cash flow to expanding operations, we're invested in helping your business thrive.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards come with rewards tailored just for you! Whether it's cashback on everyday purchases or points towards travel, using our credit card can turn routine shopping into exciting opportunities.

Mortgage Loans & Refinancing

If homeownership is on your radar, look no further than our mortgage loans and refinancing services. We offer various mortgage options that fit your lifestyle and budget. Picture yourself in your dream home, where every corner reflects who you are. Our refinancing options can also help lower your monthly payments or tap into your home's equity for other needs.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. With just a few taps on your smartphone, you can check balances, transfer funds, or even pay bills making banking easier than ever before.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine easily managing your day-to-day expenses or saving for that special occasion with our user-friendly accounts. You can also explore our personal loans and debt consolidation services, which can provide relief when unexpected expenses arise or help streamline your finances.

Digital & Online Banking

Key Features

Imagine checking your account balance, transferring money, or paying bills from the comfort of your home or on the go. Our online banking platform allows you to do just that! You can access e-statements to keep track of your finances without the clutter of paper statements because who needs extra paperwork? Plus, with electronic signature authorization, signing important documents is a breeze; it's quick, safe, and hassle-free. For those busy moments when you need to send money instantly, our person-to-person transfer feature lets you send cash directly to friends or family without any fuss. And if you're always on the move, you'll appreciate our mobile payments option that makes transactions smooth and simple right from your smartphone.

Mobile App Experience

While we currently don't have a dedicated mobile application, our website is fully optimized for mobile use. You can easily navigate through all our services anytime, anywhere. Whether you're out shopping or relaxing at home, accessing your accounts is just a few taps away. At Alabama, we prioritize your security as much as your convenience. Our online banking system uses advanced encryption technology to ensure that your data remains safe while you manage your finances seamlessly. With us, banking is not just about numbers; it's about making life easier for you every day. Explore our digital offerings today by visiting https://www.alabamacu.com/ and take control of your financial journey with confidence!

Financial Strength

A Growing Community

Our total share accounts stand at 257,053, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 means we have the capability to support your needs effectively. 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 17939 Hwy 96 Kennedy Al 35574 or call (888) 817-2002 to learn more about how we can help you achieve your financial goals.

Efficient Operations

Our performance is further highlighted by a net income of $0, which reflects our operational efficiency. This enables 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.

Investment in Your Future

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 commitment to lending is reflected in our $14,190 in used auto loans and $1,497,146,971 in total loans and leases, supporting your financial goals across various sectors.

Member-Centric Focus

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 $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 flexible terms and competitive rates, making it easier for you to drive away in your new or used vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or cover operational costs, our team is here to support your business journey. At Alabama, we believe that everyone deserves access to the financial resources they need. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, don't hesitate to reach out. Our knowledgeable staff is ready to assist you. For more information about our offerings or if you have any questions, feel free to contact us at (888) 817-2002, or visit us at our branch located at 17939 Hwy 96 Kennedy Al 35574 in Kennedy, 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.

Credit Lines and Personal Loans

For those looking for flexibility in their finances, our credit lines total $1,002,210,262, providing access to funds when you need them most. Additionally, we offer unsecured credit card loans with a total of $16,899,024 available to help manage your spending effectively.

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 each step of the process, ensuring you feel confident and informed about your investment.

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 fair and transparent offers for all users. The platform prioritizes accuracy by verifying each lender's information, allowing you to trust that the rates presented are legitimate and up-to-date.

Benefits of Using LendMesh

- Verified Data: Loan offers come 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. - Real-Time Rate Comparisons: Access up-to-date loan rates from multiple institutions, helping users make informed decisions without delay. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be in finding better financing options. 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