Eco Credit Union Trussville AL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Eco at our Trussville branch, where your financial well-being is our top priority! Located at 430 Main St, Trussville, AL 35173, we've been proudly serving our community since 1979. With a growing membership of over 16,291, we are committed to providing personalized banking solutions that fit your unique needs. At Eco, we understand the importance of trust and reliability in your financial journey. Our total assets stand at an impressive $186,251,484, reflecting our strong foundation and commitment to serving you. With $10,422,138 in total deposits and a net worth of $22,288,436, we offer stability and peace of mind for all our members. Our dedicated team of 40 employees, led by CEO Joey Hand and Board President Jimmie Pearson, is here to ensure that you receive excellent service every time you visit us. We provide a range of services including personal banking accounts, auto loans, mortgage options, and business banking solutions tailored just for you. While you can always reach us at our branch location for face-to-face support, official correspondence should be sent to the same address: 430 Main St, Trussville, AL 35173. We're here to help Monday through Friday from 9 AM to 5:30 PM. We invite you to discover how Eco can make a difference in your financial life. Explore our website at www.ecocu.org or give us a call at 205-226-3940 today! Your future starts with us let's take this journey together!

Branch History & Mission

Community Impact and Partnerships

As part of our mission, we actively engage with local organizations and initiatives that uplift Trussville. We know that when our community thrives, we all benefit. Through partnerships and volunteer efforts, we strive to contribute positively to local schools, charities, and events that foster growth and unity. We also embrace modern technology with features like online banking and mobile payments. Our goal is to ensure that banking is not just easy but also safe and secure for all members.

Join Us!

If you're looking for a credit union that truly cares about your financial journey and community wellbeing, look no further than Eco. Visit us during our operating hours from 9 AM to 5:30 PM Monday through Friday, or give us a call at (205) 226-3940 for any inquiries you may have. We invite you to become part of our family by joining us today! Experience firsthand the benefits of being a member of Eco, where your financial well-being is our priority!

Our Evolution

From humble beginnings, Eco has continually adapted to meet the needs of our community. Over the years, we've expanded our offerings and enhanced our services to ensure we provide value in every interaction. Today, with total assets reaching an impressive $186,251,484, we stand as a pillar of financial stability and growth in Trussville. Our commitment goes beyond just banking; it's about building relationships. We take pride in being accessible and approachable, which is why we offer drive-thru banking and shared service center options to make your experience as convenient as possible. Whether you need to deposit a check or seek advice on a loan, we're here for you.

Our Mission

At Eco, our mission is simple yet profound: to provide exceptional financial services while supporting the community we love. We believe that everyone deserves access to quality banking solutions, whether it's personal banking, auto loans, or credit card options with rewards. Our focus remains on creating lasting positive impacts in the lives of our members through tailored financial products and community outreach initiatives. While members can visit us at 430 Main St, official correspondence should be sent to 430 Main St, Trussville, AL 35173 if different from our physical address.

Branch Location & Accessibility

Welcome to Eco Credit Union's Trussville branch, located at 430 Main St, Trussville, AL 35173. We're here to make your banking experience easy and accessible! Nestled right in the heart of Trussville, our branch is close to local landmarks like the Trussville Plaza and just a short drive from the scenic Trussville River. Whether you're stopping by for personal banking or need assistance with loans, we're conveniently positioned to serve you. At Eco, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can easily access our services. Plus, we offer drive-thru banking for quick and convenient transactions without leaving your car. While you can visit us at our branch address for all your banking needs, please note that any official correspondence should be sent to the same mailing address: 430 Main St, Trussville, AL 35173. Our operating hours are designed to fit your schedule. We're open Monday through Friday from 9 AM to 5:30 PM, making it easy for you to drop by after work or during lunch breaks. If you have any questions or need assistance, don't hesitate to reach out at 205-226-3940. Though we currently do not have ATM services at this location, we do provide basic drive-thru banking options for deposits and withdrawals. Additionally, as a shared service center, we're happy to assist members of partner credit unions with their transactions too! We invite you to come visit us at Eco Credit Union in Trussville! Experience our friendly service firsthand and let us help you with all your financial needs.

Member Eligibility

Joining the Eco family at Eco is more than just opening an account; it's about becoming part of a supportive community that genuinely cares about your financial well-being. To become a member, you simply need to live, work, worship, or attend school in certain areas around Trussville, or have a family member who is already part of our credit union. We believe in making financial services accessible to everyone, so if you're unsure about your eligibility, we encourage you to visit our detailed eligibility page at http://www.ecocu.org/online-services/applications-and-forms/membership-application for the latest information. Once you've confirmed that you meet the criteria, opening an account is straightforward and welcoming. You can start your journey with us by visiting http://www.ecocu.org/borrow/apply-now or by giving us a call at (205) 226-3940. We're here to help you every step of the way! Enjoy the benefits of being a member at Eco, located at 430 Main St Trussville Al 35173, where we prioritize your needs and work together towards achieving your financial goals.

Business Banking & Commercial Services

Business 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. For those outside our membership, we also support the broader community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your needs.

Merchant Services

In addition to loans, we offer merchant services that simplify daily transactions. Imagine being able to accept payments easily from customers while managing your finances effortlessly. With our merchant services, you can focus on what you do best growing your business while we handle the payment processing side efficiently. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Located at 430 Main St Trussville Al 35173 in Trussville, AL, our team is ready to help you navigate your financial options and achieve your business goals. Reach out to us today at (205) 226-3940!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it easy for you to hit the road in style without breaking the bank. We provide competitive rates and flexible terms to suit your budget. Imagine driving off in your dream car without the stress of high payments!

Business Banking Services

If you're a business owner, you'll appreciate our business banking solutions, which include merchant services and business loans tailored to meet your specific needs. We know running a business comes with its challenges; that's why we're here to support you with reliable financial products that promote growth.

Credit Cards with Rewards

Reward yourself while you spend! With our credit cards featuring rewards, every purchase earns you points toward exciting perks like cash back or travel discounts. It's a simple way to turn everyday spending into something rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Eco offers robust online and mobile banking features. Access your accounts anytime from anywhere whether it's checking balances, making transfers, or paying bills all at your fingertips! Plus, enjoy ATM and cash withdrawal services when you need cash on the go.

Drive-Thru & Shared Branch Transactions

For those who prefer face-to-face interactions but appreciate quick service, our branch features basic drive-thru banking for deposits and withdrawals. Additionally, as part of our commitment to community service, we offer basic shared branch transactions for partner credit union members so you can bank where it's most convenient for you. We invite you to explore all the ways Eco can enhance your financial life. For more information or assistance with any of our services, don't hesitate to reach out at 205-226-3940 or visit us at 430 Main St, Trussville, AL 35173 during our operating hours from 9 AM to 5:30 PM Monday through Friday. Join us today and experience the difference!

Home Financing

For those looking to buy their first home or refinance an existing mortgage, our mortgage loans and refinancing services are here to help. With personalized guidance from our team, we ensure that you find the best mortgage solution that fits your lifestyle. Picture yourself settling into a cozy home with the peace of mind that comes from knowing you've made a smart financial choice.

Personal Banking Solutions

Navigating personal finances can be overwhelming, but with Eco, you're never alone. We offer various personal banking options, including checking and savings accounts that help you manage your day-to-day expenses and save for future goals. Whether you're just starting to save or looking to grow your wealth, our accounts are designed with you in mind.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our personal loans and debt consolidation services offer a way to manage these costs effectively. Whether it's for medical bills, home repairs, or consolidating high-interest debts into one manageable payment, we're here to assist you on your journey towards financial stability.

Digital & Online Banking

Easy Payments and Transfers

Need to send money to a friend? Our person-to-person transfer feature makes it simple to send cash instantly, making splitting bills or paying back friends a breeze. And if you prefer using mobile payments, we support that too! Whether you're using our online services or our mobile application, you can expect an easy-to-navigate experience that keeps you connected to your accounts anytime, anywhere. With Eco, managing your money has never been so accessible and straightforward!

Key Services

Our online banking platform, accessible through https://www.ecocu.org/, allows you to check balances, pay bills, and transfer funds all from the comfort of your home or on the go. Plus, our mobile application makes it even simpler to handle transactions right from your smartphone.

Security and Convenience

Your security is our priority. We offer electronic signature authorization for quick and safe transactions, so you can sign documents without the hassle of printing or mailing them. Enjoy peace of mind knowing that your personal information is protected as you navigate your finances.

Stay Updated with E-Statements

Keep track of your finances effortlessly with e-statements. With this service available at Eco, you'll receive your account statements directly in your inbox no more waiting for paper statements to arrive.

Financial Strength

A Growing Community

The trust placed in us by our community is evident as we manage a total of 31,597 share accounts. This shows a strong and growing member base that relies on us for their financial needs. Additionally, net shares available for lending and investments stand at $10,289,513, reinforcing our ability to support your aspirations. In conclusion, 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 430 Main St Trussville Al 35173 or call (205) 226-3940 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 commitment to growth is reflected in our lending capacity; with $2,482 in used auto loans and $92,510,511 in total loans and leases, we support members' financial goals across various sectors.

Member Savings Security

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 strong performance is highlighted by a net income of $455,134, which reflects our operational efficiency. This enables 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.

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

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're interested in financing a new or used vehicle, our competitive rates make it easier than ever to drive away with confidence.

Credit Lines

For those who need additional flexibility in managing their finances, our total credit lines amounting to $64,237,172 give you access to funds when you need them most. This can be particularly beneficial for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,205,694, making buying or refinancing simple. We aim to provide you with flexible terms that suit your budget and lifestyle.

Refinancing Options

If you're considering refinancing existing loans or checking eligibility for any of our products, our friendly staff is ready to assist you. We believe that everyone deserves the chance for better rates and terms as their financial situation improves. At Eco Credit Union, we pride ourselves on providing services that cater directly to our members' 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. Explore how our loan offerings can help you achieve your financial aspirations today!

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 can be ideal for those looking to consolidate debt or make larger purchases without tying up cash reserves.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several reasons: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect what's available in the market. - Real-Time Rate Comparisons: The platform updates loan rates from multiple institutions in real time, helping users make informed decisions quickly. 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!" If you're looking for the best rates tailored to your needs, compare real-time loan offers today at LendMesh. 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.

Ensuring 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 means every offer you see is fair and transparent, giving you confidence in your choices.

Eco