Federal Employees Credit Union Birmingham AL

Introduction

Welcome to Federal Employees Credit Union, your trusted financial partner located at 1509 4Th Ave S, Birmingham, AL 35233. Since our establishment in 1958, we have dedicated ourselves to serving the financial needs of our members, fostering a sense of community and trust. With a total membership of 1,769 individuals, we pride ourselves on being a part of your journey towards financial wellness. At Federal Employees Credit Union, we understand that each member has unique financial goals. That's why we offer personalized services tailored to meet your needs, all backed by our solid financial foundation. Currently, our total assets stand at an impressive $18,758,380, ensuring that we have the resources to support you effectively. Our commitment to you is reflected in our robust total deposits of $1,312,962 and net worth of $3,228,534. Our leadership team is dedicated to your success. Led by CEO Greg Keller and Board President Rocky Cook, our experienced staff works tirelessly to create an environment where members feel valued and supported. With just 5 employees, we maintain a personal touch in every interaction while ensuring efficient service. We invite you to explore our offerings, whether it's securing a loan currently totaling 1,460 loans and leases or managing your savings with confidence. While members can visit us at our branch for assistance or inquiries during our operating hours from 8:30 A.M. to 3:30 P.M., official correspondence should be sent to our mailing address: 1509 4th Ave S, Birmingham, AL 35233-1612. Join us today and experience the difference that a member-focused credit union can make in your financial life. For more information or to get started with your membership journey, give us a call at (205) 322-4026 or visit us online at Federal Employees Credit Union. Your path to better banking starts here!

Branch History & Mission

At Federal Employees, we take pride in our rich history and unwavering commitment to serving our community. Established in 1958, our branch has been a cornerstone for many individuals and families in Birmingham, AL, providing essential financial services and support. Located at 1509 4Th Ave S, our facility is easily accessible and surrounded by the vibrant culture of downtown Birmingham. Over the decades, we have evolved from a small local credit union into a trusted financial partner for over 1,769 members. With total assets amounting to $18,758,380, we've made significant strides in ensuring that our members receive the best possible service tailored to their needs. Our operating hours from 8:30 A.M. to 3:30 P.M., Monday through Friday, reflect our dedication to being available when you need us most. Our mission at Federal Employees is simple yet profound: We are here to empower our members through financial education and resources while fostering a sense of community. We believe that everyone deserves access to quality financial services that can help them achieve their goals. Whether it's saving for a dream vacation or securing a loan for a new car, we are dedicated to helping our members navigate their financial journeys with confidence. While members can visit us at 1509 4Th Ave S, official correspondence should be sent to 1509 4th Ave S, Birmingham, AL 35233-1612 if different from the branch address. Although we currently do not offer ATM services or drive-thru banking, we ensure that all digital platforms are user-friendly and secure for your convenience. Community outreach is at the heart of what we do. We partner with local organizations to support initiatives that uplift and benefit those around us. Our efforts extend beyond just finances; we're committed to making Birmingham a better place for everyone. We invite you to join us at Federal Employees Credit Union and experience firsthand the benefits of being part of a community-focused institution. Visit our website or give us a call at 205-322-4026 to learn more about membership opportunities and how we can assist you on your financial journey. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the Federal Employees Credit Union, conveniently located at 1509 4Th Ave S in beautiful Birmingham, Alabama. Nestled in the heart of Jefferson County, our branch is easily accessible for all your banking needs. Whether you're coming from a nearby landmark or just passing through, we're here to serve you with a smile. While members can visit us at 1509 4Th Ave S, official correspondence should be sent to our mailing address at 1509 4th Ave S, Birmingham, AL 35233-1612. Our location is designed for your convenience, offering ample parking and features that ensure accessibility for everyone, including ADA-compliant ramps and easy entry points. We pride ourselves on being open during convenient hours from 8:30 A.M. to 3:30 P.M., Monday through Friday. Whether you need assistance with loans or want to discuss your account with our friendly staff, there's always someone ready to help during our operating hours. Although we don't have ATM services or drive-thru banking available at this branch, our team is here to provide personalized service tailored to your needs. If you're looking for shared services, please note that we currently do not offer this feature either. For any questions or to learn more about how we can assist you, feel free to give us a call at 205-322-4026. We invite you to stop by and experience firsthand the welcoming atmosphere and dedicated service at Federal Employees Credit Union!

Member Eligibility

Joining the community at Federal Employees is an exciting opportunity to become part of a supportive network focused on your financial well-being. If you live, work, or worship in the Birmingham area, or if you're related to a current member, you might already qualify for membership! This means you can enjoy a variety of benefits tailored just for you, from competitive loan rates to personalized service that puts your needs first. To learn more about eligibility and see if you fit the criteria, visit our detailed page at http://www.federalempscu.com/membership . Getting started is simple! Once you've confirmed your eligibility, opening an account is just a click away at https://www.emailmeform.com/builder/form/kegntue9qc . If you have any questions or need assistance, feel free to reach out to us at (205) 322-4026. We're here to help make your transition into our family as smooth as possible. Come visit us at 1509 4Th Ave S Birmingham Al 35233 and discover how being a member of Federal Employees can enrich your financial journey!

Business Banking & Commercial Services

Lending Solutions for 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. Additionally, 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 Made Simple

When it comes to managing payments, our merchant services offer practical benefits that can streamline your operations. Imagine having the ability to accept payments seamlessly from your customers, whether they're shopping online or at your physical store. This flexibility not only enhances customer experience but also helps you manage cash flow effectively. Visit us at 1509 4Th Ave S Birmingham Al 35233 in Birmingham, AL, or call us at (205) 322-4026 to discover how our business banking solutions can help you thrive!

Comprehensive List Of Services

Banking Services Tailored for You

Understanding that every member has different financial goals, we offer a range of services designed to help you navigate your financial journey with ease. Our primary service is ATM Services Only, allowing you to access cash conveniently and securely whenever you need it. While this may seem simple, having easy access to your funds can make all the difference in managing daily expenses or planning for unexpected costs.

Connecting with Us

If you have any questions about our services or how we can assist you further, don't hesitate to reach out! You can contact us at (205) 322-4026 during our lobby hours from 8:30 A.M. to 3:30 P.M., Monday through Friday. We're here to help guide you through any inquiries or support you may need. At Federal Employees, we believe in building strong relationships with our members through personalized service and accessible solutions. Explore how our offerings can help simplify your financial life today! For more information or to get started with membership, visit us online at https://www.federalempscu.com/ or check out our membership eligibility requirements here. Join us as we strive to meet your financial needs!

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. At Federal Employees Credit Union, we prioritize your time by offering digital banking features that allow you to manage your finances from anywhere. With online banking available, you can check balances, transfer funds, and review transactions without needing to visit us in person. Our mobile application also keeps your finances just a tap away.

Digital & Online Banking

Key Features

We provide electronic statements for those who prefer going paperless, making it easier to track your finances while helping the environment. You can enjoy the benefits of e-statements from Federal Employees with peace of mind knowing that they are secure and easily accessible. For members who like to send money quickly, our person-to-person transfer feature allows you to send funds to friends or family in no time. It's a simple way to share expenses or settle up after a meal without any hassle. If you're always on the go, you'll be pleased to know that we have a dedicated mobile application. With this app, managing your money is even more straightforward. Unfortunately, mobile payment features aren't currently offered, but our app keeps you connected to your accounts with ease. While we do not currently support electronic signature authorization, we focus on providing services that emphasize accessibility and security. Our digital banking tools are designed with you in mind making financial management simpler than ever before. At Federal Employees, we're committed to making sure you have everything you need for real-time account management right from the comfort of your home or wherever life takes you. Join us today and experience banking that's tailored for your lifestyle!

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 3,333, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $82,165. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Federal Employees is your trusted partner. Visit us at 1509 4Th Ave S Birmingham Al 35233 or call (205) 322-4026 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $5,653,202 in share certificates, 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 $10,318 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 4 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinventing for Better Service

With $2,725,117 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors, with $277 in used auto loans and $9,511,292 in total loans and leases.

Solid Financial Foundation

With a net worth of $3,228,534, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,721 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 $4,822,519 in used vehicle loans and $1,092,456 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used car, our team is ready to assist you through the process.

Credit Lines and Unsecured Loans

For those looking for flexibility, our total credit lines reach $1250000, giving you the ability to manage your finances as needed. We also offer flexible terms on unsecured credit card loans; however, at this time, there are no outstanding balances in this category. We encourage all potential borrowers to consider refinancing options if they currently have existing loans elsewhere. Refinancing can lead to lower monthly payments or even reduced interest rates. If you have any questions about our loan offerings or eligibility criteria, please don't hesitate to contact us at (205) 322-4026 or visit us at 1509 4Th Ave S Birmingham Al 35233 in Birmingham, AL. 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're committed to helping you navigate your financial journey with confidence!

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our team can help guide you through other financing options that may be available.

Loan Aggregator

Benefits of Using LendMesh

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FEDERAL EMPLOYEES CREDIT UNION - Birmingham, AL