Alabama State Employees Credit Union Tuscaloosa AL | Low Mortgage Rates & Top Checking Accounts

Introduction

Welcome to Alabama, your trusted financial partner located at 4239 University Blvd E, Tuscaloosa, AL 35404. Since our establishment in 1956, we have proudly served over 146,607 members, offering a range of financial solutions tailored to meet your needs. At Alabama, we believe in the power of community and are committed to helping our members achieve their financial goals with integrity and dedication. As a member-focused credit union, we manage assets totaling an impressive $1,923,885,152. With total deposits reaching $80,198,128 and a net worth of $182,824,392, we ensure your money is secure and working for you. Our loan portfolio is diverse and robust, with over 78,476 loans and leases provided to support our members' dreams whether it's buying a new car or financing your home. Led by CEO Stephen Swofford and Board President Ron Dulek, our team of dedicated professionals strives to provide exceptional service while maintaining the highest standards of financial security. We have a talented workforce of 390 employees ready to assist you with everything from personal banking needs to business financing solutions. While members can visit us at our branch location for all your banking requirements from checking and savings accounts to auto loans we also welcome official correspondence at our mailing address: 4239 University Blvd., East, Tuscaloosa, AL 35404. Whether you're looking for online banking options or need assistance in person at our drive-thru service or ATM, we're here for you. Reach out to us at 205-469-5919, or explore more about what we offer on our website here. Join us today as we continue to build a stronger community together!

Branch History & Mission

Commitment to Innovation

We embrace technology that enhances your banking experience while ensuring accessibility for all. With services like online banking, mobile payments, and ATM access available at our branch, managing your finances has never been easier. We also prioritize compliance with ADA standards so that everyone can benefit from our services without barriers.

Join Us

As we continue this journey together, we invite you to become part of the Alabama family. Experience firsthand how we can help you achieve your financial goals while also contributing positively to our community. Visit us at 4239 University Blvd E Tuscaloosa Al 35404 or give us a call at (205) 469-5919 during our operating hours: Monday, Tuesday, Thursday from 9:00 am - 5:00 pm; Wednesday from 10:00 am - 5:00 pm; and Friday from 9:00 am - 5:30 pm. Join us today and discover how Alabama can be your partner in success!

Our Journey

From humble beginnings, Alabama has evolved significantly. We started with a small team and a vision to provide accessible financial services to everyone in our community. Today, we are proud to manage assets totaling over $1,923,885,152, reflecting our stability and growth. Our branch is located at 4239 University Blvd E Tuscaloosa Al 35404, conveniently situated near local landmarks that make it easy for members to visit us. For any official correspondence, please reach us at our mailing address: 4239 University Blvd., East, Tuscaloosa, AL 35404.

Our Mission

Our mission goes beyond just banking. At Alabama, we strive to empower individuals and families through tailored financial solutions that meet their unique needs. Whether it's helping you open a checking account, providing auto loans, or guiding you through mortgage options, we are here every step of the way. We believe in making banking easier and more transparent for everyone. In addition to offering competitive financial products like credit cards with rewards and business banking services, we are dedicated to giving back to the community. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us and strengthen our ties within Tuscaloosa.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. You'll find ample parking available right outside, and our facilities are compliant with ADA standards, featuring ramps for easy entry. We understand that convenience is key, so you can count on our drive-thru banking services for quick transactions without leaving your vehicle.

Operating Hours

We're open to serve you during flexible hours: 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. This schedule allows you to plan your visit around your busy day. Our team is eager to assist you with anything from personal banking needs like checking and savings accounts to loans and credit cards.

Services at Your Fingertips

At the Five Points Branch, we offer a variety of services tailored to fit your financial needs. Whether you're looking for auto loans, mortgage options, or simple banking transactions through our ATM which is available on-site you'll find everything under one roof. If you prefer the convenience of online banking or mobile payments, we have those options too! While members can visit us at our physical address, official correspondence should be sent to the same address as our mailing address: 4239 University Blvd., East, Tuscaloosa, AL 35404. Feel free to reach out with any questions by calling us at 205-469-5919. We look forward to welcoming you into our branch soon!

Member Eligibility

At Alabama, we believe that everyone deserves a supportive financial community, and becoming a member is an exciting step toward that goal! If you're interested in joining us, you'll find that eligibility is quite straightforward. Generally, anyone who lives, works, or worships in the Tuscaloosa area can apply for membership. We also welcome family members of current members, making it easy to share the benefits of our services with loved ones. For all the specifics on what it takes to join our family, feel free to check out the detailed eligibility criteria at . Opening an account with us is just as easy as becoming a member! You can start the process online by visiting https://u4zacuta.secure.fundsxpress.com/start/u4zacuta or give us a call at (205) 469-5919 if you have any questions. Our friendly team is here to help you every step of the way, ensuring your experience with Alabama is welcoming and rewarding. We look forward to having you with us at our branch located at 4239 University Blvd E Tuscaloosa Al 35404!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a busy day at your store where customers can easily pay with their cards, while you efficiently manage transactions from one platform. Our merchant services ensure you stay connected with your customers, making it easy for them to shop while you focus on growing your business. Located at 4239 University Blvd E Tuscaloosa Al 35404 in Tuscaloosa, AL, we're here to partner with you on your path to success. Call us today at (205) 469-5919 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we offer specialized Business Banking services including merchant solutions and business loans. Our goal is to support local businesses in growing and thriving in today's economy.

Convenient Access Points

Accessibility is key at Alabama. Our branch features a convenient Drive-Thru Banking service for quick transactions such as deposits and withdrawals without leaving your vehicle. Plus, with our ATM services available 24/7, you can withdraw cash or check balances whenever it's convenient for you.

Credit Options That Reward You

Don't forget about our Credit Cards with Rewards! Whether you're planning a family vacation or just want to earn cash back on everyday purchases, our credit cards can offer great benefits tailored for your spending habits.

Home Financing Made Easy

Buying a home is one of the biggest decisions you'll ever make. With our Mortgage Loans & Refinancing options, we aim to make the process as smooth as possible. Our knowledgeable staff will walk you through each step, helping you find the perfect mortgage that fits your budget. Additionally, if you're feeling overwhelmed by debt, consider our Personal Loans & Debt Consolidation services. We offer personalized plans that can help simplify your payments and lower your interest rates making it easier for you to regain control of your financial future.

Join Us Today!

Ready to take the next step in managing your finances? Visit us at 4239 University Blvd E Tuscaloosa Al 35404 or give us a call at (205) 469-5919. Our friendly team is eager to assist you with all of your banking needs. Discover how easy it is to bank with us today! For more information about our services and how we can help you thrive financially, explore our website at https://www.alabamacu.com/.

Personal Banking Solutions

We understand that managing your personal finances can sometimes be overwhelming. That's why we offer Personal Banking options like checking and savings accounts designed to fit your lifestyle. Imagine easily accessing your funds anytime through our Online & Mobile Banking services. You can check balances, transfer money, and pay bills right from your smartphone or computer, making banking simpler than ever. When it comes to financing a new vehicle or refinancing an existing loan, our Auto Loans & Vehicle Financing provide flexible terms and competitive rates to ensure you get the best deal possible. Whether you're eyeing a shiny new car or need funds for repairs on your current vehicle, we've got you covered.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to set up electronic statements. Enjoy the ease of receiving your statements directly to your email inbox no more paper clutter! Plus, we offer secure electronic signature authorization, which simplifies document signing and keeps your information safe. For those who prefer banking on the go, our mobile payments feature lets you make purchases right from your smartphone. While we don't have a dedicated mobile application yet, our website is fully optimized for mobile use, ensuring that all services are just a tap away. If you need to send money quickly to friends or family, our person-to-person transfers allow for easy transactions without any hassle. You can feel confident knowing that all these services come with robust security measures to keep your financial information protected. At Alabama, we believe managing your finances should be straightforward and accessible. Our digital banking services empower you to take control of your money in real-time, making it easier than ever to stay on top of your financial goals. Join us today and experience the convenience of modern banking!

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. We understand that trust is built on transparency, which is why we are proud to share our financial strengths with you. 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. 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. Our commitment to serving you extends beyond products; it's about building a stronger community. 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. Additionally, 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 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. Total Share Accounts stand strong at 257,053, showing a robust 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 4239 University Blvd E Tuscaloosa Al 35404 or call (205) 469-5919 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, we make it easy to finance your next vehicle purchase.

Business Financing

For business owners, our outstanding commercial loans totaling $400,550,964 provide the capital needed to grow and expand your business. We're committed to supporting local entrepreneurs with tailored financing solutions. If you're considering refinancing any existing loans or would like to explore eligibility options for our products, our team is ready to assist you in finding the best solution for your financial situation. Feel free to reach out via phone at (205) 469-5919, or visit us at our branch located at 4239 University Blvd E Tuscaloosa Al 35404 in Tuscaloosa, AL. At Alabama, we're dedicated to providing you with personalized service and comprehensive financial solutions. 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 journey starts here!

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 guide you through the process, ensuring you understand each step along the way.

Unsecured Credit Card Loans

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 competitive rates and rewards that make everyday purchases even more rewarding.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 that every loan offer presented is fair and transparent. By working exclusively with trusted lenders, LendMesh guarantees that users receive legitimate offers without hidden surprises.

Alabama