Eco Credit Union Alabaster AL | Best Auto Loans & ATM Services

Introduction

Welcome to Eco, your trusted financial partner located at 791 4th Pl SW, Alabaster, AL 35007. Since opening our doors in 1979, we have been dedicated to serving our community with a commitment to member satisfaction and financial well-being. With a growing membership of 16,291 members, we take pride in being more than just a credit union; we are a community hub where your financial needs come first. At Eco, we understand that everyone's financial journey is unique. That's why we offer a range of personalized services designed to help you achieve your goals from checking and savings accounts to auto loans and mortgage financing. Our total assets stand strong at $186,251,484, allowing us to provide competitive rates and solid support for our members. We currently manage $10,422,138 in deposits and have issued over 11,606 loans and leases to help turn dreams into reality. Our leadership team, led by CEO Joey Hand and Board President Jimmie Pearson, is passionate about ensuring that each member feels valued and understood. With a dedicated team of 40 employees, we're here to assist you every step of the way. While you can visit us at our branch for all your banking needs, any official correspondence should be sent to our mailing address: 791 4th Pl SW, Alabaster, AL 35007-8878. We invite you to explore what Eco has to offer by visiting our website at www.ecocu.org or giving us a call at 205-226-3951 during our operating hours from 9 AM to 5:30 PM on weekdays. Join us today and discover how we can help you navigate your financial future with confidence!

Branch History & Mission

Join Us

As we look forward to the future, we remain committed to providing exceptional service and expanding our offerings for all members. If you're not already part of the Eco family, we invite you to explore how joining us can benefit you personally and financially. Visit us online at https://www.ecocu.org/ or check out our membership application here. Together, let's build a brighter financial future!

Our Journey

Since opening our doors at 791 4Th Pl Sw Alabaster Al 35007, we have embraced the mission of not just providing financial services but also fostering community growth and well-being. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgage options, and business services. With total assets now exceeding $186,251,484, we are committed to ensuring that our members achieve their financial goals. Our evolution is marked by milestones that reflect our commitment to service and innovation. We've integrated modern banking solutions, including online and mobile banking services, making it easier for our members to manage their finances anytime, anywhere. Our drive-thru banking service enhances convenience for those on-the-go, allowing quick access to essential banking transactions.

Our Mission

At Eco, our mission is simple yet profound: to empower our members through sound financial advice and affordable lending options while actively supporting local initiatives. We believe in giving back to the community that supports us. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact on lives in Alabaster and beyond. While members can visit us at 791 4Th Pl Sw Alabaster Al 35007, official correspondence should be sent to 791 4th Pl SW, Alabaster, AL 35007-8878 if different. We invite you to reach out with any questions or concerns at (205) 226-3951 during our operating hours from 9 am to 5:30 pm, Monday through Friday.

Branch Location & Accessibility

Accessibility Features

At Eco, we prioritize accessibility for all members. Our branch is ADA compliant and features ramps to ensure everyone can navigate comfortably. Whether you're using our drive-thru service for quick transactions or visiting us inside, you'll find that our layout is designed to be user-friendly.

Conveniently Located

Our location is easily accessible and close to several local landmarks, making it simple for you to visit us. Just a short drive from the Alabaster City Park, we are well-positioned for those on the go. If you're heading our way, you'll find ample parking available, so there's no need to worry about finding a spot.

Get in Touch

Have questions? Feel free to give us a call at (205) 226-3951. Our friendly team is ready to assist you with anything you need. Stop by Eco today we look forward to welcoming you into our community!

Operating Hours

We know your time is valuable! That's why we're open from 9 AM to 5:30 PM, Monday through Friday. Our operating hours make it easy for you to drop by before work or during your lunch break.

Services Offered

From personal banking options like checking and savings accounts to auto loans and mortgages, Eco provides a wide range of services tailored to meet your financial needs. We also offer basic drive-thru banking for deposits and withdrawals as well as shared services for partner credit union members. While members can visit us at 791 4Th Pl Sw Alabaster Al 35007, official correspondence should be sent to our mailing address at 791 4th Pl SW, Alabaster, AL 35007-8878.

Member Eligibility

Joining the Eco community at Eco is an exciting opportunity to access a range of financial services designed with you in mind. To become a member, you'll need to meet some simple eligibility requirements, which generally include being a resident or working in the communities we serve. Whether you live near our branch at 791 4Th Pl Sw Alabaster Al 35007 or are part of one of our partner organizations, there's a good chance you can join us! The benefits of membership go beyond just banking; you'll find a supportive network and tailored services that truly prioritize your financial well-being. For more detailed information on who can become a member, feel free to check out our eligibility criteria at http://www.ecocu.org/online-services/applications-and-forms/membership-application. When you're ready to take the next step, opening an account with us is straightforward. Simply visit our account opening page at http://www.ecocu.org/borrow/apply-now, or give us a call at (205) 226-3951 during our operating hours from 9 am to 5:30 pm, Monday through Friday. We're here to help you every step of the way as you embark on this journey with Eco!

Business Banking & Commercial Services

Commercial Loan Options

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

In addition to loans, our merchant services simplify daily transactions for business owners. Picture this: accepting payments from customers seamlessly, whether they pay with a card or mobile wallet. Our services ensure that you can focus more on growing your business and less on managing payments. Visit us at 791 4Th Pl Sw Alabaster Al 35007 in Alabaster, AL, or call us at (205) 226-3951 to learn how we can support your business banking needs today!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, Eco has got you covered too! We offer business banking services, including merchant services to help streamline transactions and business loans that can assist in expanding your operations or managing cash flow.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, we provide competitive mortgage loans that make the process straightforward and stress-free. Our team will guide you through the various options available, helping you find the right fit for your budget and goals.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we have developed robust online and mobile banking features that let you manage your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, and even deposit checks from your smartphone! Additionally, our members enjoy access to ATM and cash withdrawal services, ensuring you have quick access to your funds when necessary. For more personalized service, we also provide basic drive-thru banking, where you can complete deposits, withdrawals, and other simple transactions without leaving your car.

Personal Banking Services

We understand that managing your finances can sometimes feel overwhelming. That's why we offer personal banking services tailored to fit your lifestyle. You can open checking and savings accounts to help you manage your daily expenses and save for the future. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. Need a little extra cash? Our personal loans can help with debt consolidation or unexpected expenses, giving you peace of mind when you need it most. And don't forget about our credit cards with rewards, which allow you to earn points while making everyday purchases.

Shared Branch Transactions

As part of our commitment to accessibility, we offer basic shared branch transactions for members of partner credit unions. This means if you're traveling or simply can't make it back to us, you can still perform essential banking functions like deposits and withdrawals at other locations. At Eco, we're more than just a credit union; we're a community partner dedicated to helping you achieve your financial dreams. Feel free to reach out at (205) 226-3951 during our operating hours from 9 am to 5:30 pm Monday through Friday. Whether you're ready to open an account or have questions about our services, we're here for you every step of the way! Explore all that we have to offer by visiting us at Alabaster today!

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to check balances, pay bills, and transfer money whenever it suits you. You can explore all the features by visiting us at https://www.ecocu.org/. If you prefer using your smartphone, our mobile application offers all the same functionalities right in your pocket. Plus, with our mobile payments feature, making purchases has never been simpler.

Manage Your Money Effortlessly

Need to send money to a friend? Our person-to-person transfer service makes it quick and hassle-free. With everything from account management to payments at your fingertips, managing your finances becomes a breeze. At Eco, we're committed to providing accessible banking solutions that fit your lifestyle. Experience the convenience of modern banking today!

Security and Convenience

Your security is our top priority. We use advanced encryption and electronic signature authorization to ensure that your personal information stays safe while you bank online. Additionally, e-statements are available for those who wish to go paperless, helping you keep track of your financial activities easily.

Financial Strength

Growing Trust

Total Share Accounts stand at 31,597, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $10,289,513, further indicating our stability. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Eco is your trusted partner. Visit us at 791 4Th Pl Sw Alabaster Al 35007 or call (205) 226-3951 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $24,862,943 in share certificates and $5,332,278 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.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $455,134, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 38 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Improvement

With $50,000 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support your needs is further reflected in our lending capacity; with $2,482 in used auto loans and $92,510,511 in total loans and leases, we provide flexible options for various financial goals.

Strong Financial Health

With a net worth of $22,288,436, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,197 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Support for Members

We also recognize the unique needs of business owners. While we currently do not have outstanding commercial loans available, our focus remains on providing personal banking services that can help individuals grow their financial standing. Our team is here to assist you every step of the way, ensuring that you fully understand your options and feel confident in your choices. Whether it's applying for a loan or refinancing an existing one, we make the process straightforward and transparent. For more information or to discuss your specific needs, feel free to reach out at (205) 226-3951 or visit us at our branch located at 791 4Th Pl Sw Alabaster Al 35007 in Alabaster, AL. We're open from 9 am to 5:30 pm Monday through Friday and ready to assist you with all your lending requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Eco, we're dedicated to helping you navigate your financial journey with ease.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,246,365 in used vehicle loans and $11,329,493 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates, making it easier for you to drive away in the vehicle you want.

Credit Lines and Credit Cards

Managing day-to-day expenses can be challenging, which is why we offer total credit lines worth $64,237,172. For added convenience, our unsecured credit card loans total $6,824,679. These products are designed to give you financial flexibility and peace of mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,205,694, make buying or refinancing simple. We guide you through the process and offer refinancing options to help make your dream home a reality.

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