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

Introduction

Welcome to Eco at 1233 Pecan Ave, Gardendale, AL 35071, where community and financial wellness come together. Since our establishment in 1979, we have proudly served our members with a commitment to providing trustworthy and accessible financial services. With a total membership of over 16,291 individuals, we are dedicated to supporting the financial goals of families and businesses in Gardendale and beyond. At Eco, we understand that your financial journey is unique. That's why we offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage financing. As of today, our total assets stand at an impressive $186,251,484, reflecting our stability and reliability as a credit union. With $10,422,138 in total deposits and a net worth of $22,288,436, you can trust that your finances are in safe hands. Our leadership team is here for you. Under the guidance of CEO Joey Hand and Board President Jimmie Pearson, we strive to create a welcoming environment where members can thrive financially. Our team of 40 employees is ready to assist you from 9 AM to 5:30 PM, Monday through Friday, ensuring you receive personalized service every time you visit or call us at 205-226-3948. While members can visit us at our branch location, official correspondence should be sent to the same address: 1233 Pecan Avenue, Gardendale, AL 35071. We invite you to explore our website at www.ecocu.org for more information about our services or to apply for membership today. Join Eco, where your financial health is our priority!

Branch History & Mission

Our Mission

At Eco Credit Union, our mission goes beyond just providing financial services; we strive to make a real difference in the lives of our members and the broader community. We are dedicated to empowering individuals by offering a range of products designed to meet their unique needs from checking and savings accounts to loans that help fulfill dreams. Our goal is to ensure that everyone has access to quality financial resources while fostering a sense of community. We believe in transparency and accessibility. That's why we have embraced digital advancements such as online banking and mobile payments, making it easier than ever for our members to manage their finances on-the-go. Additionally, our commitment to ADA compliance ensures that everyone can access our services without barriers. Over the years, we have formed valuable partnerships with local organizations through outreach efforts aimed at improving financial literacy and supporting various community initiatives. We understand that when our community thrives, we all benefit. While you can visit us at 1233 Pecan Ave, official correspondence should be sent to 1233 Pecan Avenue, Gardendale, AL 35071 if different from the branch address. We invite you to join Eco Credit Union today! Experience firsthand how our personalized service and community-focused mission can help you achieve your financial goals. If you're ready to take the next step towards better banking with us or want more information about membership opportunities, please call us at 205-226-3948 or visit our website at www.ecocu.org. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access and Features

Parking is hassle-free, with ample space available for both personal and drive-thru banking services. Our drive-thru allows you to conduct simple transactions like deposits and withdrawals without leaving your car, perfect for those busy days when time is of the essence. We also take pride in our accessibility features, including ADA-compliant ramps to ensure everyone can visit our branch comfortably.

Let’s Connect!

We invite you to stop by Eco Credit Union today or give us a call at (205) 226-3948. Experience firsthand how we can support your financial journey in Gardendale!

Operating Hours That Fit Your Schedule

At Eco Credit Union, we understand the importance of flexibility. That's why our lobby is open from 9 AM to 5:30 PM, Monday through Friday. Whether you're stopping by before work or during lunch, we're here to help with a range of services tailored to meet your financial needs.

Services Offered

From checking and savings accounts to auto loans and credit cards with rewards, our team is dedicated to providing personalized service that fits your life. We also offer online and mobile banking options so you can manage your finances on-the-go. Plus, as part of our shared service center program, members from partner credit unions are welcome to make deposits and withdrawals right here!

Member Eligibility

At Eco, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Joining us is easy and welcoming! If you live, work, or worship in our local area, you may already be eligible to become a member. We're proud to serve individuals who share our values and commitment to community growth. To get the complete details on eligibility criteria, feel free to check out our resource at http://www.ecocu.org/online-services/applications-and-forms/membership-application. Opening an account with us is just as simple! You can start your journey by visiting our website at http://www.ecocu.org/borrow/apply-now, or if you prefer speaking with someone directly, don't hesitate to call us at (205) 226-3948. Our friendly team is here to help you every step of the way. Come join us at our branch located at 1233 Pecan Ave Gardendale Al 35071 we can't wait to welcome you into the Eco family!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine having a partner that simplifies your payment processes. Our merchant services do just that allowing you to accept payments easily and efficiently. Whether it's a small café or a growing retail store, our solutions help streamline transactions so you can focus on what matters most: running your business. Located at 1233 Pecan Ave Gardendale Al 35071 in Gardendale, AL, we invite you to explore how Eco can be your go-to financial partner. For more information or to set up a consultation, call us at (205) 226-3948. Let's work together to unlock your business's potential!

Supporting Your 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. With competitive rates and flexible terms, you'll be able to drive off with confidence knowing you made a smart financial choice.

Business Banking

If you're a business owner, Eco supports you with tailored services like merchant services and business loans. We know how important it is to have reliable banking solutions that support growth and stability in your business.

Credit Cards with Rewards

Want to earn rewards while spending? Our credit cards with rewards program allows you to earn points on everyday purchases. Use them for cash back or travel rewards it's a win-win!

Digital Banking Features

In today's fast-paced world, we prioritize convenience through features like mobile payments, electronic statements, and person-to-person payments. No need to wait in line; just use our online tools whenever suits you best! We invite you to explore all that Eco has to offer by visiting us at our branch or calling us at 205-226-3948. Your financial well-being is our priority! If you're ready to take the next step towards better banking solutions, don't hesitate check out our membership application here.

Drive-Thru & Shared Branch Services

Convenience matters! At Eco, we offer basic drive-thru banking for quick deposits and withdrawals, along with shared branch transactions for members of partner credit unions. This means even if you're away from home, you still have access to essential banking services.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, we offer personalized assistance every step of the way. Our mortgage loans and refinancing solutions are designed to help you achieve homeownership dreams while keeping your budget in check.

Personal Banking

Whether you're looking to open a checking or savings account, Eco has options that fit your lifestyle. Our personal banking services are designed with you in mind. Imagine having the flexibility to manage your finances from anywhere through our online and mobile banking platforms. You can easily check your balance, transfer funds, and pay bills all at your fingertips.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation options to help ease financial burdens when they arise. Whether it's for home repairs, medical bills, or consolidating high-interest debt, Eco is here to help you regain control of your finances.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.ecocu.org/, you can access your accounts anytime, anywhere. Need to check your balance or pay bills? Just log in! We also provide electronic statements, making it easy to keep track of your finances without the clutter of paper. For those who love using their smartphones, our mobile application is here to help. You can make payments directly from your device and even use mobile payment options for quick transactions at stores. Plus, with person-to-person transfers, sending money to friends and family is as simple as a few taps on your screen.

Security and Accessibility

Your security is our top priority. Our platform features robust security measures, so you can bank with peace of mind. With electronic signature authorization available, signing documents online is both secure and convenient. With 24/7 online banking services, you can manage your accounts in real-time whenever it suits you. Need help? Our support team is just a call away at (205) 226-3948 during business hours. At Eco, we're committed to making banking easier for you. Experience the freedom and flexibility of digital banking today!

Financial Strength

At Eco, 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 in today's world, trust in your financial institution is paramount. That's why we are proud to share our robust financial standing with you. 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. 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 commitment to reinvesting in our community is reflected in our $50,000 in undivided earnings, which allows us to provide innovative banking tools, stronger lending options, and enhanced security measures. With $2,482 in used auto loans and $92,510,511 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Moreover, our operational efficiency is showcased by our $455,134, 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 who are dedicated to serving you with knowledge and care. With net shares amounting to $10,289,513, we have ample funds available for lending and investments. Our total share accounts stand at 31,597, showcasing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 1233 Pecan Ave Gardendale Al 35071 or call (205) 226-3948 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 $11,246,365 in used vehicle loans and $11,329,493 in new vehicle loans already helping members get on the road. Whether you are interested in financing a brand-new vehicle or a reliable used option, our team is here to assist you every step of the way.

Credit Lines

If you're looking for additional flexibility, our credit lines provide access to funds when you need them most. With total credit lines amounting to $64,237,172, you can enjoy peace of mind knowing that extra cash is available for unexpected expenses or planned purchases.

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 understand that purchasing a home is one of the biggest financial decisions you'll make, and we're here to help guide you through the process with competitive rates and flexible terms.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to explore our options. We offer tailored solutions that may lower your monthly payments or help pay off your debt faster. For more information about our loan offerings or if you have any questions about eligibility requirements, feel free to reach out at (205) 226-3948. Our friendly staff at Eco, located at 1233 Pecan Ave Gardendale Al 35071, is ready to assist you during our operating hours from 9 am to 5:30 PM Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial aspirations!

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. These cards come with various benefits that can help simplify your spending while keeping your budget on track.

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 are fair and transparent, allowing users to compare loans without hidden fees or misleading terms.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are viewing accurate information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every loan comparison reflects the true market landscape. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This feature allows borrowers to seize opportunities as they arise. 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!" 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