Alabama State Employees Credit Union Orange Beach AL | Low Mortgage Rates & Affordable Auto Loans

Introduction

Welcome to Alabama, your trusted financial partner located at 24254 Canal Rd, Orange Beach, AL 36561. Since our establishment in 1956, we have proudly served over 146,000 members, providing a range of services designed to enhance your financial well-being. With total assets exceeding $1.92 billion, our credit union stands firm as a pillar of stability and support within the community. At Alabama, we believe in building lasting relationships with our members. Our dedicated team of 390 employees, led by CEO Stephen Swofford and Board President Ron Dulek, is here to ensure you receive the personalized service you deserve. We are committed to empowering you with financial products that cater to your needs whether it's personal banking, auto loans, or business financing solutions. While members can visit us at our branch, official correspondence should be sent to the same address: 24254 Canal Rd, Orange Beach, AL 36561. If you're looking for reliable banking solutions with a community touch, look no further! With total deposits of $80,198,128 and a net worth of $182,824,392, we're well-equipped to help you achieve your financial goals. We invite you to explore our services and discover how we can assist you in making informed decisions for your future. Call us today at 251-210-3553 or visit our website at www.alabamacu.com to learn more about what we offer. Join us on this journey towards better financial health!

Branch History & Mission

Community Commitment

Our commitment goes beyond banking; we actively engage in community outreach initiatives aimed at making a positive impact in Orange Beach and surrounding areas. By partnering with local organizations and participating in events, we strive to uplift those around us. Our members are not just account holders they are part of a family that supports one another.

Join Us

As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Alabama. With extended operating hours Monday through Friday and customer-friendly services like online banking and shared service center availability, we're here to meet your needs. For any inquiries or assistance, don't hesitate to reach out at (251) 210-3553. Discover how Alabama can help you thrive financially today!

Our Journey

From humble beginnings to becoming a trusted credit union, our journey reflects the spirit of community and collaboration. We started with the goal of providing affordable financial solutions tailored to the needs of everyday people. Throughout the decades, we've adapted to changes in technology and member expectations while staying true to our roots. Our continued expansion includes not just traditional banking services but also innovative digital offerings that make banking easier for everyone.

Our Mission

Our mission is clear: to empower individuals and families through accessible financial services while fostering a strong sense of community. We believe in putting people before profits, offering competitive rates on loans and savings accounts, and providing personalized support that truly makes a difference. We are dedicated to helping you achieve your financial goals whether that's purchasing your dream car, buying a home, or planning for retirement. While members can visit us at 24254 Canal Rd, official correspondence should be sent to 24254 Canal Rd, Orange Beach, AL 36561 if different from our branch address. We understand that convenience is key; that's why we offer ATM access and drive-thru banking for easy transactions.

Branch Location & Accessibility

Call to Action

Ready to experience our exceptional services? Give us a call at 251-210-3553 or stop by today at 24254 Canal Rd in Orange Beach. We look forward to serving you!

Nearby Landmarks and Accessibility

Situated near stunning coastal views and just a stone's throw away from popular local spots, our branch is easy to find. The location provides ample parking for your convenience, including accessible spaces to ensure everyone can visit us comfortably. We proudly comply with ADA standards, featuring ramps and other accessibility enhancements.

Operating Hours

We understand that life can get busy, so we offer flexible operating hours to fit your schedule. Join us on Monday, Tuesday, and Thursday from 9:00 AM to 5:00 PM; on Wednesday we open a bit later at 10:00 AM but stay until 5:00 PM; and on Friday, we extend our hours until 5:30 PM. Feel free to drop by during these times!

Services Offered

At Alabama Credit Union, we provide a variety of services tailored for you. From personal checking and savings accounts to auto loans and mortgages, we have the tools you need for effective financial management. Our drive-thru service makes quick transactions easy, while our ATM availability ensures that you can access cash when needed. If you require additional services like shared branch transactions or online banking options, we've got you covered!

Member Eligibility

Becoming a member of Alabama is like joining a caring family where your financial needs come first. At our branch located at 24254 Canal Rd Orange Beach Al 36561, we welcome individuals who live, work, or worship in the area, along with their immediate family members. Whether you're looking to open a checking account, save for a big purchase, or secure a loan, we're here to support you every step of the way. Membership brings great benefits, including competitive rates on loans and savings accounts, personalized service, and access to various financial tools that can help you thrive. Joining is simple! To get started, just check out our eligibility details for more information about what it takes to become part of our community. When you're ready to open an account, visit us online at https://u4zacuta.secure.fundsxpress.com/start/u4zacuta or give us a call at (251) 210-3553. We can't wait to welcome you into the Alabama family!

Business Banking & Commercial Services

Loan Options for Growth

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 That Matter

In addition to loans, we provide essential merchant services designed to simplify your operations. Picture processing payments quickly and securely, whether online or in-store. Our services allow you to focus on what matters most growing your business while we handle the payment processing seamlessly. Located at 24254 Canal Rd Orange Beach Al 36561 in Orange Beach, AL, our team is ready to assist you with all your business banking needs. Call us at (251) 210-3553 or visit us today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Need a new vehicle? Our auto loans and vehicle financing options are tailored to meet your needs. Imagine driving off in that new car while enjoying flexible payment plans that suit your budget. Our team is here to guide you through the process and ensure that you get the best deal possible.

Business Banking

We also cater to local businesses with our business banking services, including merchant services and business loans. If you're an entrepreneur wanting to expand or streamline operations, we provide the resources necessary to help your business thrive.

Digital Banking Features

At Orange Beach Branch, we know convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, and make payments right from your smartphone or computer anytime, anywhere. Plus, with access to an ATM for cash withdrawals and basic drive-thru banking for deposits and withdrawals, managing your finances has never been easier.

Home Loans

If buying a home is on your agenda, look no further than our mortgage loans and refinancing options. We understand that securing a home is a significant step, which is why we provide personalized support throughout the mortgage process. Our rates are competitive, ensuring you can find a plan that works for you.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts designed to fit different lifestyles. For instance, if you're saving for a vacation or planning for unexpected expenses, our accounts can help you manage your funds effectively. In addition, our credit cards come with rewards, allowing you to earn benefits while making everyday purchases.

Personal Loans & Debt Consolidation

For those needing some extra cash or looking to manage existing debts more efficiently, our personal loans and debt consolidation services can help lighten your financial load. This way, you can focus on what truly matters without being overwhelmed by multiple payments.

Shared Branch Services

For members who need flexibility while traveling or living outside the area, we also provide shared branch transactions, allowing you to perform essential banking tasks at partner credit unions across the country. As part of our commitment to serving you better, our friendly staff at 24254 Canal Rd Orange Beach Al 36561 in Orange Beach, AL is always ready to assist you. Feel free to give us a call at (251) 210-3553 if you have any questions about our services or want to learn more about how we can assist you on your financial journey. Ready to explore these services? Visit us online at https://www.alabamacu.com/ or stop by our branch today!

Digital & Online Banking

Key Features

Security is our priority. With electronic signature authorization available, signing documents electronically is both safe and straightforward. You won't have to worry about paperwork cluttering your space anymore! For members who love the convenience of their smartphones, our mobile payments feature lets you make purchases directly from your device. Although we don't currently offer a dedicated mobile application, you can still access all the essential features through our website on your phone. Need to send money quickly? Our person-to-person transfers make it easy to send funds to friends or family without hassle no cash required! And with our robust online banking system, managing your finances has never been easier or more accessible. With all these features at your fingertips, Alabama ensures that you have everything you need for effective real-time account management. Experience the freedom of modern banking today!

Financial Strength

At Alabama, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. 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. 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. 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. With $14,190 in used auto loans and $1,497,146,971 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our commitment to sound management is reflected in our operational efficiency with a reported net income of $3,520,690, 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. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 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 24254 Canal Rd Orange Beach Al 36561 or call (251) 210-3553 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 interested in a brand-new model or a reliable used car, we make financing simple and straightforward.

Business Financing

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand. We understand that running a business comes with its challenges, and our team is here to support your journey toward success. If you're considering refinancing any existing loans or want to know more about eligibility options for our loan products, please don't hesitate to reach out. To learn more about how our loan offerings can benefit you or to speak with one of our knowledgeable representatives, feel free to call us at (251) 210-3553 or visit us at 24254 Canal Rd Orange Beach Al 36561 in Orange Beach, 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. Your financial future is important to us; let's work together to achieve your goals!

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 offer various terms and competitive interest rates to fit your budget, making it easier for you to settle into your dream home.

Unsecured Credit Cards

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 benefits designed to help you make the most out of every purchase.

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. With so many options available, knowing where to look for reliable information is crucial. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This data is based on the latest results (Source: https://www.ncua.gov), guaranteeing fair and transparent offers. By focusing on verified institutions, LendMesh promotes trust and clarity in every comparison. One of the standout features of LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring users receive trustworthy information. Additionally, there are no sponsored listings; lenders are not prioritized based on paid promotions. This approach allows LendMesh to provide truly unbiased results, which empowers users to make informed decisions about their loans. LendMesh also offers real-time rate comparisons, providing up-to-date loan rates from various institutions. This feature enables users to see current market conditions and choose the best option for their needs effectively. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the tool's effectiveness in helping individuals secure better financial outcomes. If you're looking for the best loan offers tailored to your situation, 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 CREDIT UNION - Orange Beach, AL

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Orange Beach, AL (36561)

Introduction

Branch History & Mission

Community Commitment

Join Us

Our Journey

Our Mission

Branch Location & Accessibility

Call to Action

Nearby Landmarks and Accessibility

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Loan Options for Growth

Merchant Services That Matter

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Digital Banking Features

Home Loans

Personal Banking

Personal Loans & Debt Consolidation

Shared Branch Services

Digital & Online Banking

Key Features

Financial Strength

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Cards

Loan Aggregator

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