Chemco Mc Intosh AL Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Chemco Credit Union, your trusted financial partner located at 1638 Industrial Rd, Mc Intosh, AL 36553. Established in 1953, we have been proudly serving our community for over 70 years. With a total membership of 352 and a commitment to providing personalized banking services, we understand the unique needs of our members and strive to help them achieve their financial goals. At Chemco, our assets total an impressive $5,131,488, showcasing our stability and reliability. We are dedicated to offering a range of services tailored just for you, including personal banking, auto loans, mortgage loans, and credit cards with rewards. Our total deposits stand at $981,440, reflecting the trust our members place in us. Under the leadership of CEO Rhonda Goldman and Board President Sean Work, our small yet efficient team of 2 employees is committed to providing exceptional service during our operating hours from Monday to Friday, 7 AM until 3 PM. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address. With a net worth of $942,569 and cash reserves ready to support member needs, we focus on fostering strong relationships within our community. Our mission extends beyond just banking; we aim to empower individuals by offering competitive loan options having granted a total of 242 loans and leases. We invite you to reach out to us at (251) 944-3297 for any inquiries or assistance you may need. Join us in making the most of your financial journey!

Branch History & Mission

Community Engagement

Chemco is more than just a credit union; we are deeply committed to community outreach. We partner with local organizations to support initiatives that uplift our neighbors and foster growth within Mc Intosh and beyond. Our collaborative efforts reflect our belief that when our community thrives, so do we.

Looking Ahead

As we continue to grow, we are focused on embracing new technologies and enhancing our member services without losing sight of the personal touch that defines us. Although we currently do not offer ATM or drive-thru services, our lobby hours are conveniently set from Monday through Friday, 7 AM until 3 PM to accommodate your banking needs. We invite you to join Chemco Credit Union and experience firsthand the benefits of being part of a caring financial institution that puts you first. Together, let's build a stronger future for ourselves and our community! For any questions or assistance, feel free to reach us at (251) 944-3297.

Mission Statement

Our mission is clear: to empower our members through accessible financial services while actively supporting the communities we serve. We aim to provide not just banking solutions like checking and savings accounts, auto loans, and mortgages but also guidance and assistance that help individuals reach their financial goals. We believe in making a real impact whether it's through personal banking or helping local businesses thrive with merchant services. While members can visit us at 1638 Industrial Rd, official correspondence should be sent to 1638 INDUSTRIAL Rd, MC INTOSH, AL 36553-6609. This ensures we can address all inquiries promptly and efficiently.

Branch Location & Accessibility

Call Us Today!

If you have questions or need assistance before visiting, feel free to call us at 251-944-3297. We look forward to helping you achieve your financial goals right here at Chemco Credit Union!

Convenient Access and Features

Our location offers plenty of parking space, ensuring you can visit us hassle-free. We are committed to making our services available to everyone; therefore, our branch features ADA-compliant access, including ramps and designated parking spots. While members can visit us at 1638 Industrial Rd, official correspondence should be sent to our mailing address: 1638 INDUSTRIAL Rd, MC INTOSH, AL 36553-6609.

Friendly Banking Hours

Chemco Credit Union is open Monday through Friday from 7 AM until 3 PM. We invite you to come in during these hours when our friendly staff is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgages, and much more.

Member Eligibility

Becoming a member of Chemco is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the Mc Intosh area or have a family member who is already part of our community, you are likely eligible to join us! We pride ourselves on being accessible and inclusive, welcoming individuals from all walks of life. Membership at Chemco opens the door to a variety of benefits, including personalized service, competitive loan rates, and community-focused financial products designed to help you thrive. To get started, simply visit us at our location at 1638 Industrial Rd Mc Intosh Al 36553, or give us a call at (251) 944-3297 for more information on how to open an account. You can also check out the detailed eligibility criteria on our website here. We look forward to welcoming you into our supportive community!

Business Banking & Commercial Services

Merchant Services

In today's fast-paced world, effective payment solutions are crucial for any business. We offer merchant services that help streamline your transactions and enhance customer satisfaction. By simplifying payment processing, you can focus more on what you do best growing your business. If you're located at 1638 Industrial Rd Mc Intosh Al 36553 in Mc Intosh, AL, reach out to us at (251) 944-3297. Our team is here to provide personalized service and guidance every step of the way. Together, we can help turn your business dreams into reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we are ready to assist you when you're ready to take the next step. Imagine being able to invest in new equipment, hire additional staff, or even open a new location all made possible with a loan tailored just for you.

Comprehensive List Of Services

Business Banking

For our local entrepreneurs and business owners, we offer specialized Business Banking services, including Merchant Services and Business Loans. These resources are crucial for anyone looking to grow their enterprise or improve cash flow. We understand the challenges of running a business and strive to provide solutions that empower you.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards! They're perfect for earning points on everyday purchases that can be redeemed for travel, gifts, or cash back. It's a smart way to spend and save simultaneously.

Digital Convenience

In today's fast-paced world, we prioritize convenience through our Online & Mobile Banking options. You can manage your accounts on-the-go with just a few taps on your smartphone or laptop. While we don't currently have ATMs or drive-thru services available at this branch, our online banking platform ensures you have 24/7 access to your accounts without any hassle. If you have questions or want more information about our services, don't hesitate to reach out! Give us a call at (251) 944-3297 during our lobby hours from Monday through Friday between 7 AM and 3 PM. We're here to help you every step of the way! Join us at Chemco Credit Union and discover how we can assist you with all your banking needs today!

Personal Banking

Our personal banking services include Checking & Savings Accounts that help you manage your daily expenses while growing your savings. Imagine having easy access to your funds whenever you need them, whether it's paying bills online or making purchases effortlessly. We also offer Auto Loans & Vehicle Financing for those ready to hit the road. Picture driving off in your new car, with flexible terms that fit your budget. For larger investments like a home, our Mortgage Loans & Refinancing options make the process straightforward and accessible. You can secure a loan that not only suits your lifestyle but also helps you build equity over time. Additionally, our Personal Loans & Debt Consolidation services provide the relief you need when life gets overwhelming, allowing you to consolidate debt into one manageable payment.

Digital & Online Banking

Accessibility and Security

Even without extensive digital services, our team is here to assist you during our lobby hours from Monday to Friday, 7 AM to 3 PM. We prioritize your security while helping you manage your accounts effectively. You can always reach out by phone at (251) 944-3297 for support or inquiries. While person-to-person transfers and e-statements aren't currently part of our offerings, we're committed to finding ways to enhance your experience in the future. Your feedback is valuable, and it helps us understand how we can serve you better. In today's fast-paced world, having real-time access to your financial information is essential. At Chemco, we strive to keep things simple so you can focus on what matters most your financial well-being. Stay tuned for updates as we work towards expanding our digital banking options!

Key Services

While we currently do not offer features like online banking or mobile applications, our focus remains on providing personalized service that meets your needs. For members interested in staying connected, we encourage you to explore the services available at our branch. You can visit us at for more information about what we offer. Although some digital features like electronic signature authorization and mobile payments aren't available right now, we are dedicated to ensuring your banking experience remains secure and user-friendly.

Financial Strength

A Growing Community

We proudly serve a strong member base with 424 total share accounts. This growing community reflects the trust that many have placed in us to manage their finances responsibly. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chemco is your trusted partner. Visit us at 1638 Industrial Rd Mc Intosh Al 36553 or call (251) 944-3297 to learn more about how we can help you achieve your financial goals.

Continuous Growth and Innovation

With $555,572 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our lending capacity is significant, with $67 in used auto loans and a total of $3,210,832 across various loans and leases that support your financial goals. Our operational efficiency is highlighted by our net income of $88,398, which allows us to keep offering competitive loan rates and solid financial products tailored for your needs.

Dedicated Team

We pride ourselves on having a committed team ready to assist you. With 1 full-time employees and 1 part-time employees at your service, we ensure personalized attention whenever you need assistance.

Member-Centric Savings

Your savings are secure with us. We hold $100,000 in share certificates, providing stable and rewarding growth opportunities for your investments. Though we do not have any money market shares currently, our focus remains on maximizing value for our members. Importantly, we prioritize our members over non-member interests. With non-member deposits at $0, we ensure that our resources are dedicated to benefiting you through better loan rates and exclusive perks.

Strong Financial Health

With a net worth of $942,569, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation empowers us to support you with confidence, regardless of economic conditions. Our net worth ratio of $1,837 further demonstrates our strong capital position. This ratio ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain 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 $906,585 in used vehicle loans and $1,175,339 in new vehicle loans already helping members get on the road. We offer flexible terms and refinancing options, ensuring you find the right fit for your budget and needs.

Credit Lines and Unsecured Loans

For those needing extra flexibility, our credit lines totaling $480,800 are designed to give you access to funds when you need them most. Additionally, while we currently do not offer unsecured credit card loans, it's worth noting that we aim to provide solutions that help our members manage their finances effectively. At Chemco, we believe in making financial services accessible and straightforward. If you have questions about eligibility or want to explore refinancing options for any of our loan products, please don't hesitate to contact us at (251) 944-3297. Our branch is located at 1638 Industrial Rd Mc Intosh Al 36553, Mc Intosh, AL 36553, and we're open Monday through Friday from 7 AM until 3 PM. 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 assist you in achieving your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to reach out for more details on potential future offerings. Your dream home may be closer than you think.

Loan Aggregator

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CHEMCO CREDIT UNION - Mc Intosh, AL