Eco Credit Union Birmingham AL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Eco, your trusted financial partner located at 2100 18Th St S, Birmingham, AL 35209. Since our establishment in 1979, we have proudly served our community, building lasting relationships with over 16,291 members. At Eco, we believe in empowering our members through tailored financial solutions that help them achieve their goals. With total assets of $186,251,484 and total deposits reaching $10,422,138, Eco stands as a pillar of stability and reliability in the community. Our commitment is reflected in our diverse range of services including checking and savings accounts, auto loans, personal loans, credit cards with rewards, and business banking solutions. We work diligently to ensure that every member feels valued and supported. Under the leadership of CEO Joey Hand and Board President Jimmie Pearson, our dedicated team of 40 employees is here to assist you. Whether you need help navigating your finances or exploring loan options such as our total loans and leases amounting to 11,606 we are always ready to lend a hand. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 2100 18th Street South, Birmingham, AL 35209. At Eco Credit Union, we prioritize your financial well-being. Join us today and experience personalized service that puts you first! For more information or to speak with a representative, don't hesitate to call us at 205-226-3959 or visit our website at www.ecocu.org. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

At Eco, community outreach is vital. We engage in various local initiatives and partnerships that foster growth and support within Birmingham. By participating in events and offering educational workshops on financial literacy, we equip our members with the tools they need to succeed. As we look ahead, we invite you to join us on this journey. Experience firsthand how Eco can make a difference in your financial life and community involvement. Together, let's continue building a brighter future for everyone! If you're ready to become part of something greater or want more information about joining us as a member, don't hesitate! Call us at (205) 226-3959 or visit us online at Eco. Your journey towards better financial health begins here!

Our Journey

From our humble beginnings, Eco has steadily evolved. Our mission has always been clear: to empower individuals and families through accessible financial services while fostering a sense of community. Each milestone we achieve not only strengthens our organization but also enhances the lives of those we serve. Through partnerships and outreach initiatives, we strive to uplift our members and contribute positively to the broader Birmingham area. At Eco, we recognize that banking goes beyond transactions; it's about building relationships. We believe in providing personal banking solutions tailored to meet the unique needs of our community. Whether it's helping you secure an auto loan or guiding you through mortgage options, our team is here for you every step of the way.

Our Mission

Our mission statement embodies our dedication: "To deliver exceptional financial services while enhancing the well-being of our community." This is not just a motto; it's the heart of what we do. We aim to provide comprehensive personal banking services checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions all designed with your best interests in mind. We understand that accessibility matters. While members can visit us at 2100 18Th St S Birmingham Al 35209, official correspondence should be sent to 2100 18th Street South, Birmingham, AL 35209 if different. Although we currently do not offer ATM or drive-thru services at this branch, we ensure that all digital platforms are user-friendly and comply with ADA standards for everyone's convenience.

Branch Location & Accessibility

Banking Hours and Services

At Eco Credit Union, we understand that convenience matters. That's why we offer banking hours from 8 AM to 12:30 PM and then again from 1:30 PM to 4:30 PM, Monday through Friday. We're here when you need us most! While we currently do not have ATM or drive-thru service available at this branch, our friendly staff is always ready to assist you inside. We offer a variety of services designed for your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. With online and mobile banking features available too, managing your finances has never been easier!

Get in Touch

Have questions? Feel free to give us a call at 205-226-3959. Our team is eager to help you navigate your banking journey. Whether you're stopping by for a quick transaction or exploring what we can offer as a new member, we invite you to visit us at Eco Credit Union your trusted partner in finance right here in Birmingham!

Local Landmarks and Accessibility

Our branch is situated close to popular local spots, ensuring that you can stop by with ease after running errands or visiting nearby attractions. With plenty of parking available, you can park without worry. We also prioritize accessibility for all members; our facilities comply with ADA standards, featuring ramps and other accommodations to ensure everyone can access our services comfortably.

Member Eligibility

At Eco, we believe that everyone deserves a place to belong, and becoming a member is just the first step into our supportive community. Joining us is easy! If you live, work, worship, or attend school in the Birmingham area, you're likely eligible for membership. We value inclusivity and aim to support our members with various financial services tailored to your needs. Not only do our members enjoy competitive rates and personalized service, but they also become part of a cooperative that genuinely cares about its community. To learn more about eligibility criteria or to see if you qualify, we invite you to visit our website at http://www.ecocu.org/online-services/applications-and-forms/membership-application. If you're ready to open an account and start enjoying the benefits of membership at Eco, check out the straightforward account opening process at http://www.ecocu.org/borrow/apply-now. If you have any questions, feel free to reach out to us at (205) 226-3959. We can't wait for you to join our family!

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 today's competitive market, having efficient payment processing is crucial. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine effortlessly managing customer payments while gaining insights into sales trends. That's the power of our services at Eco. Visit us at 2100 18Th St S Birmingham Al 35209, Birmingham, AL or call us at (205) 226-3959 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking Support

If you're a business owner in need of reliable financial services, Eco offers tailored solutions for your business needs. Our business banking services include merchant services and business loans designed to help your enterprise thrive.

Convenient Access Anytime

We understand the importance of convenience in today's fast-paced world. That's why we offer robust online and mobile banking options. You can pay bills, transfer funds, and even apply for loans right from your smartphone or computer. Plus, our ATM and cash withdrawal services ensure that you have access to your money when you need it. At Eco, we believe in making banking simpler and more accessible for everyone in the Birmingham community. Our commitment to providing comprehensive financial services means that whether you're managing personal finances or running a business, we are here to support you every step of the way. For more information about how Eco can assist you with your financial needs or to inquire about specific services, feel free to give us a call at 205-226-3959. We look forward to serving you!

Credit Cards with Benefits

Looking for a way to reward yourself while you spend? Our credit cards come with rewards programs that allow you to earn points on every purchase. Whether it's cash back or travel rewards, we have options that fit your lifestyle.

Loans That Fit Your Life

For those considering major purchases or needing a financial boost, our loan options are designed with you in mind. From auto loans and vehicle financing to mortgage loans and refinancing, we provide competitive rates to make borrowing stress-free. If you're tackling debt, our personal loans for debt consolidation can help simplify your payments into one manageable monthly bill.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Eco has you covered. We offer personal banking solutions that help you manage your day-to-day finances effectively. Imagine having a checking account with no monthly fees and a savings account that helps you grow your money effortlessly. With our online and mobile banking features, you can access your accounts anytime and anywhere, making it easier than ever to keep track of your finances.

Digital & Online Banking

Key Features

Our mobile application further enhances this experience. Available for download, it allows you to manage your finances right from your smartphone. You can make mobile payments with just a few taps and even send money directly to friends and family using our person-to-person transfer feature. Security is a top priority for us. Our electronic signature authorization ensures that your transactions are safe and verified, giving you peace of mind with every interaction. Plus, with e-statements available, you can say goodbye to paper clutter while keeping track of your account activity easily. At Eco, we believe in making banking accessible and user-friendly for everyone. All these features come together to help you manage your money efficiently without any hassle. So why wait? Experience the convenience of digital banking today!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 31,597, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $10,289,513. 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 2100 18Th St S Birmingham Al 35209 or call (205) 226-3959 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 lending capacity supports members' financial goals across various sectors with $2,482 in used auto loans and $92,510,511 in total loans and leases. Our $178,335 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 38 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member 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.

Our 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 11.97% 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 Services

For those interested in personal lending beyond what we've discussed here, we also provide personal loans and debt consolidation services. If you're considering refinancing existing loans or need assistance determining eligibility for any of our products, our friendly team is here to help. Feel free to reach out at 205-226-3959 or visit us at 2100 18Th St S Birmingham Al 35209 for personalized assistance. We are committed to making your financial journey smoother and more accessible. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and see how Eco Credit Union can assist you in reaching your financial dreams!

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 financing options for both new and used vehicles, ensuring you have the right support as you drive away in your next vehicle.

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 strive to guide you through the process and help you find a solution that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,824,679 in loans helping members manage their finances effectively. This option is ideal for those looking to build credit or cover unexpected expenses without the burden of collateral.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make well-informed choices. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reflects the positive impact LendMesh has had on its users. 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.*

ECO CREDIT UNION - Birmingham, AL

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