Eco Credit Union Mc Calla AL | Low Mortgage Rates & Business Loans

Introduction

Welcome to Eco, your trusted partner in financial well-being, located at 4821 McAdory School Rd, Mc Calla, AL 35111. Since our establishment in 1979, we have been dedicated to serving our community with integrity and care. With a membership base of over 16,291 individuals, we pride ourselves on being a cornerstone of support for local families and businesses. At Eco, we understand that managing finances can be overwhelming. That's why we are here to offer personalized banking solutions tailored to your unique needs. Our total assets amount to an impressive $186,251,484, demonstrating our stability and commitment to helping you achieve your financial goals. We currently hold $10,422,138 in deposits, providing our members with secure and reliable banking options. Our team, led by CEO Joey Hand and Board President Jimmie Pearson, works tirelessly to ensure that you receive the best service possible. With a workforce of 40 dedicated employees, we are equipped to handle your requests efficiently and effectively. Whether you're looking for personal loans, auto financing, or business services, our experienced staff is here to guide you every step of the way. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 4821 McAdory School Rd, Mc Calla, AL 35111-3441. We invite you to explore our wide range of services from checking and savings accounts to mortgages and credit cards with rewards. You can easily manage your finances with online and mobile banking options available at your fingertips. Ready to take the next step? Call us today at 205-226-3944 or visit our website at www.ecocu.org for more information. Join us in building a brighter financial future together!

Branch History & Mission

Commitment to Innovation

As part of our commitment to serving you better, we are proud to offer modern conveniences like online banking and mobile payments. This allows you to manage your finances anytime and anywhere. We also ensure that all services are ADA compliant, making banking accessible for everyone. Whether you're stopping by during our operating hours from 9 am to 5:30 pm Monday through Friday or using our shared service center options, we aim to make your experience smooth and enjoyable. In closing, we invite you to become part of the Eco family. Join us today and discover how we can help you achieve your dreams! Feel free to call us at (205) 226-3944 or visit us online at https://www.ecocu.org/ for more information about membership and services. Together, let's build a brighter financial future!

Our Mission

At Eco, our mission is simple yet powerful: to empower our members through accessible financial services while actively contributing to the betterment of our community. We believe that everyone deserves the chance to achieve their financial goals, whether it's buying a new car with one of our auto loans or managing expenses with our checking and savings accounts. We strive to foster an inclusive environment where every member feels valued and supported. Through various partnerships and outreach efforts, we also work tirelessly to give back to our community, supporting local initiatives that align with our values. While members can visit us at 4821 Mcadory School Rd, official correspondence should be sent to 4821 McAdory School Rd, Mc Calla, AL 35111-3441 if you need to reach us by mail.

Branch Location & Accessibility

Convenient Access

At Eco, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure that everyone can easily access our services. If you're driving, you'll appreciate the ample parking available right outside our doors. We strive to make your visit as comfortable as possible.

Operating Hours

We understand that life can be busy! That's why we're here for you Monday through Friday from 9 am to 5:30 pm. Whether you need assistance with personal banking, auto loans, or online services, our dedicated team is ready to help during these hours.

Reach Out to Us

Have questions? Need assistance? Don't hesitate to give us a call at 205-226-3944. We're excited to welcome you into the Eco family and help you achieve your financial goals. Come visit us today!

Services Offered

While you're here, take advantage of our wide range of services tailored to meet your financial needs. From checking and savings accounts to mortgage loans and credit cards with rewards, we've got you covered. If you're a member of a partner credit union, feel free to utilize our shared service center for basic transactions like deposits and withdrawals.

Member Eligibility

Welcome to the Eco family! Becoming a member at Eco is a straightforward and welcoming process, designed for individuals looking to join a community that truly cares about their financial well-being. If you live, work, worship, or attend school in the area around 4821 Mcadory School Rd Mc Calla Al 35111, you're already eligible to become a part of our credit union. We believe that everyone deserves access to quality financial services, and we strive to make membership as inclusive as possible. Joining us not only opens the door to great financial products but also allows you to enjoy personalized service and a sense of belonging. To get started, simply check out our eligibility criteria at http://www.ecocu.org/online-services/applications-and-forms/membership-application for all the details. When you're ready to open an account, you can easily do so by visiting http://www.ecocu.org/borrow/apply-now. If you have any questions or need assistance, feel free to reach us at (205) 226-3944 during our business hours. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we remain dedicated to providing flexible financing solutions tailored to your needs. We recognize that each business is unique, and we're here to help you find the right path forward.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine having a seamless way to accept payments from customers whether it's in-person or online. This not only enhances customer satisfaction but also streamlines your cash flow, making it easier for you to manage operations effectively. Reach out today at (205) 226-3944 or visit us at 4821 Mcadory School Rd Mc Calla Al 35111 in Mc Calla, AL to learn how Eco can help elevate your business.

Comprehensive List Of Services

Convenient Transactions

Although we currently do not have an ATM or drive-thru service, our branch provides essential services like basic shared branch transactions for partner credit union members. You can easily make deposits and withdrawals when necessary. We invite you to explore how Eco can assist you with all your financial needs. For more information or assistance, please feel free to reach out at (205) 226-3944 during our lobby hours from 9 am to 5:30 pm Monday through Friday. Ready to take the next step? Visit us online at Mccalla or stop by our branch today!

Credit and Business Services

In addition to personal finance, Eco offers rewarding Credit Cards with Rewards, allowing you to earn points for everyday purchases. For local businesses, we have tailored Business Banking services, including Merchant Services and Business Loans designed to support your growth and success.

Digital Banking Features

Embracing technology is essential for convenience today. With our robust Online & Mobile Banking, you can access your accounts anytime, anywhere. This feature includes mobile payments, person-to-person transfers, and e-statements that keep you informed without the clutter of paper statements.

Personal Banking Solutions

When it comes to personal banking, we have you covered with several options. Our Checking & Savings Accounts allow you to manage your day-to-day finances effortlessly while earning interest on your savings. If you're looking to purchase a new car or refinance an existing vehicle, our Auto Loans & Vehicle Financing solutions provide competitive rates and flexible terms to fit your budget. For those planning to buy a home, our Mortgage Loans & Refinancing services offer various plans that can help make homeownership a reality. We also understand that life can throw unexpected challenges your way, which is why our Personal Loans & Debt Consolidation options can help you regain control over your finances when needed.

Digital & Online Banking

Key Features of Our Digital Banking

Our online banking service allows you to view your account balances, pay bills, and transfer money with just a few clicks. Whether you're at home or on the go, you have the power to manage your finances right from your phone or computer. We also provide e-statements for those who prefer going paperless. You'll receive your statements electronically, making it easy to track your transactions while helping the environment. Plus, with electronic signature authorization available, signing documents has never been more convenient or secure. For added flexibility, our mobile application lets you take control of your banking right from your pocket. You can even make mobile payments effortlessly! Whether you're splitting dinner bills with friends or paying for groceries, our person-to-person transfer feature simplifies transactions between you and others.

Security and Support

Your security is a top priority for us. Our online banking platform utilizes advanced security measures to keep your information safe. We ensure that every transaction is protected so you can focus on what matters most without worrying about potential threats. With 24/7 access to online banking services, help is always just a click away. Need assistance? Our friendly support team is ready to help you navigate through any questions or concerns you may have. In summary, Eco offers user-friendly digital and online banking options that empower you to manage your finances efficiently and securely. Visit us at https://www.ecocu.org/ today and discover how easy banking can be!

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. With solid financial health, we are dedicated to providing you with the best services and support. 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. 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. 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 is robust with $2,482 in used auto loans and $92,510,511 in total loans and leases, supporting your financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $10,289,513. Total Share and Deposit Accounts: 31,597, showing a strong and growing member base that trusts us with their finances. 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 4821 Mcadory School Rd Mc Calla Al 35111 or call (205) 226-3944 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Information

If you're considering refinancing any existing loans, we have options available that could lower your monthly payments or reduce your interest rates. Our team is here to answer any questions about eligibility and help you navigate through the process seamlessly. For more information or to apply for a loan, feel free to reach out at (205) 226-3944 or visit us at our branch located at 4821 Mcadory School Rd Mc Calla Al 35111 in Mc Calla, AL. We're here Monday through Friday from 9 AM to 5:30 PM to assist you with all your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 to ensure you can find a loan that fits your budget.

Credit Lines

For those looking for additional flexibility, our total credit lines amounting to $64,237,172 are available to help cover larger expenses or emergencies. These credit lines provide access to funds when you need them without the hassle of applying for a new loan every time.

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 can guide you through various eligibility options to help you secure the financing you need for your new home.

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 can be a great tool for everyday purchases or unexpected expenses, giving you peace of mind when it matters most.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to verified data means users can expect fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and reliability. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly. Thousands of users trust LendMesh for their 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 CREDIT UNION - Mc Calla, AL

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