Alcoa Municipal Employees Credit Union TN | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Alcoa Municipal Employees, your trusted partner in financial services since 1971. Located at 727 Universal St, Alcoa, TN 37701, we are committed to serving our community with integrity and care. With a strong membership base of 1,053 individuals, we pride ourselves on fostering lasting relationships and providing personalized support. At Alcoa Municipal Employees, we understand that financial wellness is a journey. That's why we offer a variety of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our total assets amount to an impressive $4,570,883, reflecting our stability and commitment to our members. Our leadership team is dedicated to guiding you every step of the way. Under the stewardship of CEO Denise Jeandron and Board President Mark Ross, our small but mighty team of 2 employees ensures that each member receives the attention they deserve. We hold a net worth of $703,366, which demonstrates our solid foundation for growth and service excellence. While members can visit us at our branch location for their banking needs, official correspondence should be sent to the same address: 727 Universal St, ALCOA, TN 37701. If you have any questions or need assistance, feel free to reach out at (865) 981-4158 during our operating hours from Monday to Friday between 8:00 AM and 4:30 PM. Join us today as we continue to build a brighter financial future together! Whether you're looking to open an account or explore loan options, we invite you to come in or give us a call. Your journey toward financial empowerment starts here at Alcoa Municipal Employees!

Branch History & Mission

Join Us

We invite you to become part of the Alcoa Municipal Employees family. Experience firsthand how we prioritize your financial well-being while contributing positively to our local community. Together, let's build a brighter future! If you have any questions or wish to learn more about membership opportunities, don't hesitate to reach out at 865-981-4158. Your journey towards better banking starts here!

Our Journey

Since our inception, Alcoa Municipal Employees has evolved to meet the needs of our community. What started as a small organization has blossomed into a trusted financial partner for local residents. Our journey reflects the spirit of cooperation and support that defines credit unions. We have witnessed significant milestones along the way, growing from humble beginnings to becoming an essential resource for personal and business banking. Our headquarters in Alcoa is more than just an office; it's a place where relationships flourish and community spirit thrives. We are dedicated to building strong ties with our members and ensuring they have access to quality financial services that empower them to achieve their goals.

Our Mission

At Alcoa Municipal Employees, our mission is clear: to provide exceptional financial services while making a positive impact on our community. We believe that everyone deserves access to affordable banking options and personalized support. Our offerings include checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking services. We understand that being part of a community means supporting one another. That's why we actively engage in outreach efforts and partnerships that benefit local organizations and initiatives. We strive to create an environment where all members feel valued and heard. While you can visit us at 727 Universal St, please note that official correspondence should be sent to 727 Universal St, ALCOA, TN 37701 if different. Although we do not currently offer ATM or drive-thru services, our dedicated team is here during operating hours from Monday to Friday, 8:00 AM to 4:30 PM to assist you with your financial needs.

Branch Location & Accessibility

Contact Us

Have questions? We'd love to hear from you! Feel free to give us a call at 865-981-4158 for any inquiries or assistance. Your financial journey matters to us, and we're excited to be part of it. Stop by today and see how we can help you thrive!

Nearby Landmarks and Accessibility

Our branch sits just a stone's throw from local favorites like the Alcoa City Park, making it a breeze to stop by for a quick financial check-in while enjoying the community. Parking is readily available to ensure your visit is hassle-free. We also prioritize accessibility for everyone our facilities are ADA compliant, complete with ramps and other features to make your experience comfortable.

Operating Hours

We're here for you Monday through Friday, from 8:00 AM until 4:30 PM. Our team is eager to help you manage your finances efficiently during these hours. Whether you're looking for personal banking solutions or exploring loan options, we have dedicated staff on hand who are ready to support you.

Services Offered

At Alcoa Municipal Employees, we offer a variety of services tailored just for you! From checking and savings accounts to auto loans and mortgage refinancing, our goal is to help you achieve your financial dreams. While we don't currently offer ATM services or drive-thru banking, our friendly team can assist with any cash withdrawal needs right here in the branch.

Member Eligibility

Becoming a member of Alcoa Municipal Employees is more than just opening an account; it's about joining a community that values support and connection. If you're looking to become part of our family, eligibility is simple! Generally, anyone who lives, works, or worships in the area can join us at Alcoa Municipal Employees. This means that if you call Alcoa home or are involved in our vibrant community, we'd love to welcome you with open arms. Joining us not only gives you access to a range of financial services like personal banking, auto loans, and business banking, but it also connects you with fellow members who share your values and goals. To get started, just visit us at 727 Universal St Alcoa Tn 37701 or give us a call at (865) 981-4158 for more information on how to open your account. For detailed eligibility criteria, feel free to check out our resources at . We're excited to help you embark on this journey with us!

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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, we provide essential merchant services designed to simplify payment processing for your business. Whether you're a small shop or a growing enterprise, having the right tools is crucial. Our services ensure you can accept payments effortlessly, so you can focus on what truly matters growing your business. Visit us at 727 Universal St Alcoa Tn 37701 in Alcoa, TN to learn more about how we can support your business journey. For any inquiries, feel free to call us at (865) 981-4158 during our operating hours from Monday to Friday, 8:00 AM to 4:30 PM. Let's take your business further together!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently don't have an ATM at our branch location, we're committed to assisting you in managing cash withdrawals efficiently during business hours. At Alcoa Municipal Employees, our mission is simple: We strive to deliver exceptional service that meets the unique needs of each member in Alcoa and beyond. Whether you're visiting us in person or using our digital services from home, we're dedicated to making your banking experience smooth and enjoyable. If you're ready to explore these services further or have any questions about how we can assist you, please don't hesitate to reach out at 865-981-4158. We look forward to helping you on your financial journey!

Auto Loans & Vehicle Financing

Dreaming of a new car? At Alcoa Municipal Employees, we provide competitive auto loans and vehicle financing solutions. Our friendly staff will guide you through the loan process, ensuring you find terms that work best for you. Imagine driving off in your dream car without the stress of complicated financing!

Business Banking

For our entrepreneurial members, we also offer business banking services, including merchant services and business loans. We know how vital it is for local businesses to thrive; thus, we provide resources that empower you to grow and succeed.

Credit Cards with Rewards

Looking for a way to earn while you spend? Our credit cards with rewards allow you to enjoy benefits every time you make a purchase. It's like getting paid back for spending on things you already buy!

Mortgage Loans & Refinancing

If buying a home is on your horizon or you're looking to refinance an existing mortgage, we offer flexible mortgage loans tailored to suit your needs. Our team will work closely with you to explore the best options available, making homeownership accessible and straightforward.

Online & Mobile Banking

To ensure banking is as convenient as possible, we offer robust online and mobile banking services. Manage your accounts from anywhere check balances, pay bills, or transfer funds all at your fingertips.

Personal Banking

We understand that managing your personal finances can sometimes be overwhelming. That's why we offer checking and savings accounts designed to fit your lifestyle. Whether you're saving for a big purchase or just need a reliable account for everyday transactions, our personal banking options have got you covered.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come into play. Whether it's for medical bills, home repairs, or debt consolidation, we're here to support you with quick access to funds when you need them most.

Digital & Online Banking

Key Features

In terms of modern banking conveniences, we've got you covered! For those who value flexibility, our services include mobile payments options, which are currently not available but are something we aim to implement in the future. Additionally, while we don't yet offer person-to-person transfer capabilities, we recognize how important these features are for seamless transactions among friends and family. When it comes to documentation, we've opted out of electronic signature authorization for now, ensuring that traditional methods remain straightforward for all members. Similarly, e-statements are not yet part of our service suite, but we're exploring ways to make account statements more accessible.

Your Security Matters

We take your security seriously. Our approach focuses on user-friendly interactions without compromising on safety. Even though our digital offerings may currently be limited, rest assured that any future developments will prioritize strong security measures to protect your information. In the meantime, if you have any questions or need assistance with your banking needs, feel free to reach out to us directly at (865) 981-4158. We're here to help you navigate through all aspects of personal finance with ease and confidence!

Financial Strength

A Strong Foundation

With a net worth of $703,366, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1539 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Financial Performance

Our $83,520 net income reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employee and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $619,846 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 reflected in our $2,556,728 in total loans and leases, which supports members' financial goals across various sectors.

Trust and Reliability

Total Share Accounts: 1,053, showing a strong and growing member base that trusts us with their finances. This trust underpins everything we do at Alcoa Municipal Employees. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alcoa Municipal Employees is your trusted partner. Visit us at 727 Universal St Alcoa Tn 37701 or call 865-981-4158 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,180,526 in used vehicle loans and $553,233 in new vehicle loans already helping members get on the road. We have issued over 198 loans, showing our commitment to supporting our members' financial goals.

Credit Lines and Personal Financing

We also provide flexible credit lines with a total of $150,000 available. This option is perfect for those who want quick access to funds for unexpected expenses or projects. Additionally, we offer unsecured credit card loans, helping members manage their finances effectively. Currently, we have helped members with a total of $0 in unsecured credit card loans. With all these offerings, we cater to a variety of financial situations and goals. If you're considering refinancing or checking your eligibility for any of our loan products, don't hesitate to reach out! For more information on how we can assist you with your financing needs, feel free to contact us at (865) 981-4158 or visit us at our location: 727 Universal St Alcoa Tn 37701 in Alcoa, TN. 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 achieve your financial aspirations today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer loans for Junior Lien 1-4 Family Residential Properties totaling $0, making it easier for you to take that important step towards owning your own home.

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 that all offers presented are fair and transparent. By using verified data from legitimate financial institutions, LendMesh allows users to trust the information they receive.

Benefits of Using LendMesh

LendMesh provides several key benefits: - Verified Data: All loan offers come from recognized financial institutions. This commitment to verified sources enhances trust and clarity in the comparison process. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so that users can make choices based solely on their needs. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions. This feature helps them stay informed and select the best option for their financial situation. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underline the effectiveness of this tool in helping individuals save money and time. 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.*

ALCOA MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION