Alabama State Employees Credit Union Loxley AL | Affordable Auto Loans & ATM Services

Introduction

Welcome to Alabama, your trusted financial partner located at 2121 S Hickory St, Loxley, AL 36551. Established in 1956, our credit union has been dedicated to serving the community for over six decades. With a strong membership base of 146,607 individuals, we pride ourselves on creating a welcoming environment that puts our members first. At Alabama, we believe in building lasting relationships with our members. Our commitment is reflected in our robust financial health, boasting total assets of $1,923,885,152 and total deposits reaching $80,198,128. We offer a wide range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage financing. While you can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 2121 S Hickory St, Loxley, AL 36551. Our friendly staff is here to assist you from Monday through Friday with extended hours on Fridays until 5:30 PM. Under the leadership of CEO Stephen Swofford and Board President Ron Dulek, our team of 390 employees is dedicated to ensuring that every member receives personalized service and expert guidance. With a net worth of $182,824,392 and cash reserves totaling $27,238,840, you can trust that your finances are in safe hands. Whether you're looking to open an account or need assistance with loans our knowledgeable staff is just a phone call away at 251-210-3583. Visit our website at alabamacu.com for more information or to start your journey with us today! Your financial well-being is our top priority!

Branch History & Mission

At the heart of Loxley, Alabama, the Alabama Credit Union has been a cornerstone of financial support since it opened its doors in 1956. With a proud history spanning over six decades, our branch has grown alongside this vibrant community, evolving to meet the needs of our members and fostering a spirit of togetherness. Located at 2121 S Hickory St, Loxley, AL 36551, our branch stands as a beacon for those seeking reliable financial services. Just a stone's throw away from local landmarks, we are easy to find and eager to serve. While members can visit us at this address for all their banking needs, official correspondence should be sent to 2121 S Hickory St, Loxley, AL 36551. Our mission is simple yet profound: to empower our members by providing accessible financial solutions while actively supporting the communities we serve. We believe that when our members thrive, so does the entire community. With over 146,607 members and total assets amounting to an impressive $1,923,885,152, we are dedicated to offering personalized services that cater to various financial needs from checking and savings accounts to auto loans and mortgages. As times change, so do we. Our commitment to innovation is reflected in our digital banking capabilities such as online banking and mobile payments. We strive for ADA compliance ensuring everyone can access our services effortlessly. Additionally, with features like an ATM on-site and drive-thru banking available for quick transactions, we prioritize convenience for our members. Partnerships play a vital role in our outreach efforts. We work closely with local organizations to create programs that uplift our community and provide valuable resources where they are needed most. Whether it's through financial education workshops or community service initiatives, we aim to make a meaningful impact beyond just banking. We invite you to experience the benefits of joining Alabama Credit Union. Our team is ready to assist you in achieving your financial goals while being part of something bigger a thriving community committed to mutual support and growth. Join us today and discover how we can help you build a brighter future! For any inquiries or assistance, please call us at 251-210-3583 during our operating hours: Monday through Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Friday from 9 AM to 5:30 PM.

Branch Location & Accessibility

Accessibility Features

At our Loxley Branch, we prioritize your comfort and convenience. We offer ample parking for our members, including designated spots for those with disabilities. The branch is fully ADA compliant, ensuring that all members can access our services without any barriers. You'll find ramps and wide doorways to make your visit smooth and hassle-free.

Contact Us Today!

For any questions or further assistance, feel free to give us a call at 251-210-3583. Our friendly team is ready to assist you! We invite you to stop by our Loxley Branch today and experience firsthand how Alabama Credit Union can help simplify your banking experience. We look forward to serving you!

Nearby Landmarks

While you're in the area, consider visiting local landmarks such as the Loxley Park or shopping at nearby stores. Our location makes it easy for you to combine your errands with a visit to the bank.

Operating Hours

We understand that life can get busy, which is why we've designed our operating hours to accommodate your schedule. Visit us Monday through 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're here to help when you need us!

Services Offered

Our branch provides a range of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer business banking solutions, online and mobile banking services, and an ATM for quick cash withdrawals. If you prefer the convenience of drive-thru banking, we have that available as well! You can handle deposits, withdrawals, and simple transactions without ever leaving your vehicle.

Member Eligibility

Becoming a member of Alabama feels like joining a warm and welcoming family that truly cares about your financial well-being. If you're looking to become part of our community, you'll find that eligibility is designed to be inclusive. Generally, anyone who lives, works, worships, or attends school in the Loxley area can join us. This means you don't have to jump through hoops; we want to make it easy for you to access the benefits that come with membership. As a member, you'll enjoy personalized services, lower fees, and competitive loan rates that help you achieve your financial goals. To get started on your journey with us at Alabama, simply visit our branch located at 2121 S Hickory St Loxley Al 36551 or give us a call at (251) 210-3583 for more details. You can also check out the specific eligibility criteria on our website at . Ready to open an account? The process is straightforward! Head over to https://u4zacuta.secure.fundsxpress.com/start/u4zacuta and take the first step toward becoming part of our supportive community today. We can't wait to welcome you!

Business Banking & Commercial Services

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. This means more opportunities for you to invest in new equipment, hire additional staff, or open a new location.

Non-Member Commercial Loans

In addition to serving our members, we also support the broader business community with $27 in non-member commercial loans, providing flexible financing solutions. This ensures that more local businesses have access to the funding they need to thrive.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $400,550,964, we continue to drive economic growth by financing new and expanding businesses. Our experienced team is here to help guide you through the loan process, ensuring you find the right solution tailored for your specific needs. Moreover, our merchant services make daily transactions smoother. Imagine having a reliable payment processing system that helps you serve your customers efficiently while keeping your cash flow steady. At Alabama, we're dedicated to providing solutions that matter to you and your business success. Visit us at 2121 S Hickory St Loxley Al 36551 in Loxley, AL, or call us at (251) 210-3583 to learn more about how we can help your business flourish!

Comprehensive List Of Services

Accessibility & Support

Located conveniently at 2121 S Hickory St Loxley Al 36551 in Loxley, AL, we invite you to visit us for personalized service during our operating hours: Monday through Friday. Our friendly team is always ready to assist you with any questions or concerns. Feel free to call us at (251) 210-3583 for immediate assistance. At Alabama, we believe in making banking accessible and straightforward for everyone. Your financial well-being is our priority, so come see how we can help you achieve your goals today!

Business Banking Options

For our business members, we provide tailored solutions such as merchant services and business loans, ensuring you have the tools necessary to thrive in today's market. Whether you're just starting out or looking to expand, we're dedicated to supporting your entrepreneurial spirit.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Access your accounts anytime, anywhere with ease! You can manage transactions, pay bills, and even transfer money between accounts right from your smartphone or computer. Plus, our ATM services allow for cash withdrawals at your convenience.

Drive-Thru & Shared Services

For those who prefer face-to-face interaction but still value efficiency, we have a drive-thru banking service for quick deposits and withdrawals. Additionally, if you're a member of another participating credit union, you can take advantage of our shared branch transactions, allowing you to conduct basic banking tasks like deposits and withdrawals without any hassle.

Personal Banking Solutions

We understand that everyone has unique financial needs. That's why our offerings include checking and savings accounts designed to fit any lifestyle. For those considering a new vehicle, our auto loans and vehicle financing options make it easy to hit the road without breaking the bank. Looking to purchase a home? Explore our mortgage loans and refinancing services, which can help you secure the best rates and terms available. If you're facing financial challenges or simply want to consolidate debt, our personal loans and debt consolidation services are here to help you regain control. And for those who love rewards, our credit cards with rewards offer fantastic benefits for every dollar spent.

Digital & Online Banking

Key Services

With our online banking platform, accessible through https://www.alabamacu.com/, you can monitor your accounts 24/7. Check balances, transfer funds, and pay bills from anywhere with internet access. We also offer e-statements, which means you'll receive your account statements electronically no more waiting for the mail! Plus, you'll enjoy the benefits of electronic signature authorization for a smoother experience when applying for loans or other services. For those who prefer using their smartphones, we support mobile payments that make transactions simple and quick. While we currently do not have a dedicated mobile application, our website is fully optimized for mobile use, so you can manage your money wherever you are. If you need to send money to friends or family, our person-to-person transfer feature allows you to do just that with ease. Simply log into your online banking account, and you're ready to go!

Security and Ease of Use

Your security is our top priority. Our online banking system employs advanced encryption technology to keep your information safe. Plus, our user-friendly interface ensures that navigating through your financial tasks is straightforward and stress-free. At Alabama, we believe in making banking accessible for everyone. Whether you're checking an account balance late at night or needing to make a quick payment during lunch break, our digital services are here for you whenever you need them. Experience the ease of managing your finances with confidence at Alabama today!

Financial Strength

Commitment to Improvement

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.

Member Savings and Growth

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.

Member Trust

Total Share and Deposit 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 2121 S Hickory St Loxley Al 36551 or call (251) 210-3583 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $0, which 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.

Our 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. This net worth is complemented by an impressive net worth ratio of $950, demonstrating a solid capital foundation. This ensures 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 make it easy for you to finance your next vehicle, ensuring that you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand. We understand the challenges that come with running a business and are here to support you every step of the way. Our commitment at Alabama, located at 2121 S Hickory St Loxley Al 36551, Loxley, AL, is to provide personalized service tailored to your individual circumstances. To learn more about our loan offerings or to discuss refinancing options, feel free to reach out at (251) 210-3583. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan, mortgage, or credit card solution, we're here to help you navigate your financial journey successfully.

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. Whether you're a first-time homebuyer or looking to upgrade your living situation, we have solutions that fit your needs.

Unsecured Credit Card Loans

Managing finances can be challenging. That's 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. These cards come with various features and benefits designed to make your everyday purchases easier.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This trusted loan comparison tool is designed to help consumers navigate their options with ease and confidence. LendMesh ensures accurate loan comparisons through its reliable data sourcing methods. Loan information on LendMesh is obtained 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 that users can expect fair and trustworthy offers when they search for loans. The benefits of using LendMesh are clear: - 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: Users receive up-to-date loan rates from multiple institutions, enabling informed decision-making. 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!" Such testimonials highlight the effectiveness and reliability of LendMesh in helping individuals secure better loan terms. 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