Lauderdale County Teachers CU Florence AL | Best Auto Loans & Personal Banking

Introduction

Welcome to Lauderdale County Teachers, your trusted partner in financial well-being since 1956. Located at 103 Mangum St, Florence, AL 35630, our credit union is dedicated to serving the financial needs of our members with care and commitment. With a strong membership base of 2,077 individuals, we pride ourselves on fostering a sense of community and support. At Lauderdale County Teachers, we understand that managing finances can be challenging. That's why we offer a wide range of services tailored to meet your unique needs whether you're looking for personal banking options like checking and savings accounts or seeking financing solutions such as auto loans and mortgages. Our total assets amount to an impressive $35,809,773, ensuring that we have the resources to support you every step of the way. Our leadership team is here to guide you. Under the stewardship of CEO Sherry Fulks and Board President Robert Trimm, our team works diligently to maintain a net worth of $4,132,551 while providing exceptional service. With 6 employees ready to assist you, we are committed to making your experience as smooth and enjoyable as possible. While you can visit us at our branch for all your banking needs, feel free to reach out via phone at 256-766-2936 for any inquiries or assistance. For official correspondence, please send your mail to 103 Mangum St, Florence, AL 35630, which is the same as our branch address. As we continue to grow and adapt in today's ever-changing financial landscape, our focus remains on you the member. Join us and experience the difference that comes from being part of a community-oriented credit union that truly cares about your financial future. Visit us online at www.lctcu.org or stop by during our lobby hours from 8:30 AM - 4:30 PM, Monday through Friday. We look forward to serving you!

Branch History & Mission

At Lauderdale County Teachers, we take pride in our rich history and unwavering commitment to our community. Established in 1956, our branch has been a steadfast financial partner for the educators and families of Florence, Alabama. Over the years, we have grown alongside our members, expanding our services and enhancing our offerings to meet their changing needs. Our main office is conveniently located at 103 Mangum St, Florence, AL 35630, a place where generations of local residents have come for personalized banking solutions. As we continue to serve our community, we are proud to report that we now boast a membership of over 2,077 individuals who trust us with their financial goals. Our total assets stand at an impressive $35,809,773, reflecting the strength and stability of our credit union. Lauderdale County Teachers is not just about numbers; it's about people. Our mission is simple yet powerful: to provide exceptional financial services while supporting our community's growth and development. We strive to empower our members by offering a range of products, including checking and savings accounts, auto loans, mortgage options, and business banking services. Each service is designed with our members' best interests in mind. We understand that convenience matters. That's why we offer various ways for you to access your accounts. Enjoy the ease of online banking or visit us during our operating hours from 8:30 AM to 4:30 PM Monday through Friday. If you're on the go, we have ATM access available for quick cash withdrawals or balance checks whenever you need it. Plus, our drive-thru service allows for easy transactions without leaving your vehicle. While members can visit us at 103 Mangum St, official correspondence should be sent to the same address for efficiency. Our dedicated team is here to assist you with any questions or concerns you might have feel free to reach out at 256-766-2936. As we look forward to the future, Lauderdale County Teachers remains committed to innovation while honoring our roots. We embrace digital advancements that enhance your experience while ensuring ADA compliance for all members of our community. Join us as we continue making a positive impact together! Experience the benefits of being part of Lauderdale County Teachers today visit us online at lctcu.org or start your membership journey here. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Lauderdale County Teachers, located conveniently at 103 Mangum St in the heart of Florence, Alabama! Our branch is easy to find, just a stone's throw away from popular local spots like the Florence-Lauderdale Public Library and a short drive from the bustling downtown area. We pride ourselves on being accessible to all our members, with ample parking available and ADA-compliant features to ensure everyone can visit us comfortably. While members can visit us at 103 Mangum St, official correspondence should be sent to the same address. Our lobby is open Monday through Friday from 8:30 AM to 4:30 PM, making it simple for you to stop by during your day. Need to make a quick transaction? We offer convenient drive-thru banking for deposits, withdrawals, and simple transactions perfect for those busy days! For your convenience, we also have an ATM available on-site for quick cash withdrawals and balance checks. If you ever have questions or need assistance, don't hesitate to reach out! You can give us a call at 256-766-2936; our friendly team is always here to help. We invite you to come experience the welcoming atmosphere at Lauderdale County Teachers. Whether you're looking to open a new account or explore our wide range of services from personal loans and vehicle financing to online banking we're excited to assist you every step of the way. Visit us soon!

Member Eligibility

At Lauderdale County Teachers, we believe that everyone deserves a place in our community. Becoming a member is easy, and we welcome those who live, work, or attend school in Lauderdale County. If you're a family member of an existing member or connected to our mission in some way, you're also eligible to join us. This means that whether you're a teacher, staff member, or simply part of our vibrant community, there's a spot for you here! As a member, you'll gain access to a range of personalized financial services designed to help you thrive. If you're ready to take the next step and join us at Lauderdale County Teachers, you can find more details about eligibility at https://www.lctcu.org/membership . Once you're informed, opening an account is straightforward just visit us at our branch located at 103 Mangum St Florence Al 35630 or call us at (256) 766-2936 for assistance. We're excited to welcome you into our family and support your financial journey!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that make day-to-day transactions easier for your business. Whether you're processing payments or managing cash flow, our solutions help streamline operations. Imagine having the tools to accept payments seamlessly, allowing you to focus on what matters most growing your business. Located at 103 Mangum St Florence Al 35630 in Florence, AL, we are here to partner with you on your journey toward success. Reach out at (256) 766-2936 or visit our website at https://www.lctcu.org/ to learn more about how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For our business-minded members, we offer specialized business banking services, including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our knowledgeable team can guide you through the process with ease.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With secure access to your finances at your fingertips, handling transactions has never been easier. Plus, take advantage of our ATM services for cash withdrawals and balance checks without any hassle.

Drive-Thru and ATM Access

Sometimes all you need is a quick trip to the bank. Our basic drive-thru banking provides an efficient way for members to conduct deposits, withdrawals, and simple transactions without leaving their vehicles. We also have basic ATM access available for those moments when you need cash on-the-go. We invite you to explore all that Lauderdale County Teachers has to offer. Whether you're visiting us in person or accessing our online services from home, we're committed to making your banking experience positive and fulfilling. If you'd like more information about any of our services or want assistance setting up an account today, please don't hesitate to reach out! Call us at 256-766-2936, or visit us online at lctcu.org. We look forward to serving you!

Loans Tailored for You

Life can throw unexpected expenses your way, but we're here to help with our personal loans and debt consolidation options. These services allow you to manage your debts more efficiently while providing you with the financial support you need. Additionally, if you're looking for flexibility in your spending, consider our credit cards with rewards that allow you to earn as you spend.

Personal Banking Solutions

When it comes to personal banking, we understand that having the right accounts is essential for managing your finances effectively. That's why we offer checking and savings accounts designed to fit various lifestyles and financial goals. If you're planning a big purchase or just need some extra cash, our auto loans and vehicle financing options can help get you on the road quickly. For those considering buying a home, our mortgage loans and refinancing services are tailored to make your dream of homeownership a reality.

Digital & Online Banking

Convenient Online Services

Our online banking service allows you to check your account balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefits of e-statements, which are not only eco-friendly but also help you keep track of your financial records easily. Plus, for those moments when you need to send money quickly, our person-to-person transfer feature makes it simple to send cash directly to friends or family without the hassle of checks or cash.

Mobile Banking at Your Fingertips

Stay connected with your finances on the go using our mobile application. Whether you're waiting in line or enjoying a coffee break, you can manage your accounts right from your phone. Although we currently do not offer mobile payments, our app keeps you informed and in control with real-time updates on transactions and balances.

Security You Can Trust

Your security is our priority. While we do not support electronic signature authorization at this time, rest assured that all online transactions are safeguarded with robust encryption technology. This means you can bank confidently knowing that your personal information is protected. At Lauderdale County Teachers, we are committed to making your banking experience smooth and accessible. Whether it's through our website or mobile app, managing your finances has never been easier! Explore all these features today by visiting us at https://www.lctcu.org/ and take control of your financial journey.

Financial Strength

Member-Centric Savings Options

Members' savings are secured through $8,916,034 in share certificates and $2,436,184 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. While we have $0 in non-member deposits, this means our resources are focused solely on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our net income 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 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Our Financial Health

With a net worth of $4,132,551, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.52% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvesting for You

With $4,068,154 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports members' financial goals across various sectors with $12,769,130 in total loans and leases and 181 used auto loans available.

Strong Community Trust

With 3,909 total share accounts, we demonstrate a strong and growing member base that trusts us with their finances. This trust allows us to thrive as a community-focused credit union dedicated to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lauderdale County Teachers is your trusted partner. Visit us at 103 Mangum St Florence Al 35630 or call 256-766-2936 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 Services

At Lauderdale County Teachers, we pride ourselves on providing exceptional service. If you're considering refinancing or exploring eligibility options for any of our loan products, our friendly team is ready to assist you. You can reach us at 256-766-2936 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at 103 Mangum St, Florence, AL 35630, and discover how our loan offerings can help you take the next step in your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,521,286 in used vehicle loans and $2,233,573 in new vehicle loans already helping members get on the road. Whether you are purchasing a new or used vehicle, our competitive financing options make it easier for you to drive away with the car you want.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $117,801, make buying or refinancing simple. We believe that having a home should be within reach for everyone, and our mortgage team is here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards come with competitive rates and can be an excellent way to build your credit score while enjoying the convenience of cashless transactions.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its 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 transparency means you receive fair and trustworthy offers every time you use the platform.

Benefits of Using LendMesh

One of the main advantages of using LendMesh is its focus on verified data. All loan offers come from legitimate financial institutions, ensuring that you are presented with reliable information. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This commitment to unbiased results allows users to make informed decisions without any hidden agendas. Another key feature is the real-time rate comparisons available through LendMesh. You can view up-to-date loan rates from multiple institutions, empowering you to choose the best option for your financial needs. 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!"

Take Action Now

If you're ready to explore your loan options without the hassle, 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.

LAUDERDALE COUNTY TEACHERS CREDIT UNION