New Horizons Credit Union Saraland AL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to New Horizons, your trusted financial partner in the heart of Saraland, Alabama! Since our establishment in 1950, we've proudly served our community with a commitment to providing exceptional financial services tailored to meet your needs. Located at 103 Saraland Blvd S, Saraland, AL 36571, our branch is dedicated to creating a welcoming environment where you can find reliable solutions for all your banking needs. At New Horizons, we believe in the power of community. With over 22,000 members and $268,601,236 in total assets, we work hard to ensure that every member feels valued and supported. Our diverse range of services includes personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also offer business banking solutions to help local entrepreneurs thrive. While members can visit us at our Saraland branch for face-to-face assistance or use our convenient online services through our website, official correspondence should be sent to PO Box 2966, Mobile, AL 36652. Under the leadership of CEO Edith Franklin and Board President Ralph Altice, we strive for excellence every day. Our dedicated team of 75 employees is here to support you from Monday to Friday offering lobby hours that extend until 6 PM on Fridays! With a strong foundation built on trust and reliability, we invite you to join our growing family. Whether you're looking for a new loan or simply want to explore your options for saving, New Horizons is here for you every step of the way. Feel free to reach out by calling us at 251-316-3240 or stop by our branch today!

Branch History & Mission

A Legacy of Growth

From humble beginnings, New Horizons has transformed into a robust credit union with total assets reaching an impressive $268,601,236. Over the years, we have expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our commitment to innovation and customer satisfaction has led us to embrace digital advancements such as online banking and mobile payments. Our branch not only serves as a financial institution but also as a community hub. We are proud to support local initiatives and partner with organizations that make a difference in Saraland. Through outreach programs and educational workshops, we strive to empower our members with the knowledge they need to achieve their financial goals.

Join Us

We invite you to experience the benefits of being part of New Horizons. Our dedicated team is here to help you navigate your financial journey with confidence. Reach out at 251-316-3240 or visit us during our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Come see how we can work together towards a brighter financial future!

Mission Statement

At New Horizons, our mission is clear: to provide exceptional financial services while fostering a sense of belonging among our members. We aim to be more than just a bank; we want to be your partner on your financial journey. Our focus is on delivering affordable solutions that enhance your life and build strong relationships within our community. We are committed to maintaining ADA compliance and ensuring that all members can access our services easily. Our branch offers convenient drive-thru banking and ATM availability for quick transactions. Whether you need assistance in person or through digital channels, we're here for you. While members can visit us at 103 Saraland Blvd S, official correspondence should be sent to PO Box 2966, Mobile, AL 36652.

Branch Location & Accessibility

Welcome to the New Horizons Saraland Branch, located at 103 Saraland Blvd S in the charming city of Saraland, Alabama. Our branch is conveniently situated near popular spots like the Saraland City Hall and the local shopping areas, making it easy for you to stop by while you're out and about. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 2966, Mobile, AL 36652. At New Horizons, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure that everyone can easily access our services. Plus, with convenient drive-thru banking available, you can manage your transactions without leaving your vehicle. We're here to serve you during our lobby hours from Monday through Thursday from 9:00 AM to 5:00 PM and on Friday from 9:00 AM to 6:00 PM. Whether you're looking to open an account, apply for a loan, or simply ask a question, our friendly staff is ready to assist you. For those who prefer digital banking options, we also offer ATM services that are accessible anytime for cash withdrawals and balance checks. Feel free to give us a call at 251-316-3240 if you have any questions or need assistance. We invite you to visit us soon at the New Horizons Saraland Branch where your financial journey begins!

Member Eligibility

At New Horizons, we believe that everyone deserves a chance to be part of a caring and supportive financial community. If you live, work, worship, or attend school in the area surrounding 103 Saraland Blvd S Saraland Al 36571, you may be eligible to become a member! Joining is not just about opening an account; it's about becoming part of a family that looks out for each other's financial well-being. Our members enjoy benefits like personalized service, competitive loan rates, and access to a range of financial products tailored to fit their needs. Getting started is easy! You can find all the details about eligibility at http://www.newhcu.org/accounts/become-a-member, where you'll see how simple it is to join our community. Once you're ready, head over to this link for straightforward account opening instructions: https://www.24x7loans.com/newhcu/. If you have any questions or need assistance, feel free to give us a call at (251) 316-3240. We're excited to welcome you into the New Horizons family!

Business Banking & Commercial Services

Business Loans 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. - 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

Imagine having a partner who simplifies payments so you can focus on what really matters running your business. Our merchant services are designed to streamline transactions, making it easy for your customers to pay and for you to manage sales. With secure payment processing and support, we help ensure your operations run smoothly. Visit us at 103 Saraland Blvd S Saraland Al 36571 in Saraland, AL, or call us at (251) 316-3240 to learn more about how New Horizons can empower your business's success!

Comprehensive List Of Services

Auto Loans & Financing

If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help turn that dream into reality. With competitive rates and flexible terms, we ensure that you find the right loan that fits your budget. Imagine driving off in your new car without the stress of complicated financing!

Business Banking Solutions

For local entrepreneurs, we offer tailored solutions through our business banking services, including merchant services and business loans. We understand the unique challenges of running a business and are committed to providing the support necessary for success.

Convenient Access

With our ATM services available for cash withdrawals and balance checks along with a convenient drive-thru option for deposits and simple transactions, managing your finances has never been easier. Plus, our online tools let you handle everything from loan applications to account management with just a few clicks. We invite you to visit us at New Horizons in Saraland or give us a call at 251-316-3240 to learn more about how we can assist you on your financial journey. Experience personalized service where you're not just a member but part of our community! For more information about joining us, check out this link. Your financial future starts here!

Credit Cards with Rewards

Looking to maximize your spending? Our credit cards with rewards allow you to earn points on everyday purchases. Use them for groceries or gas and watch as those points add up for travel or cash back rewards!

Mortgage Services

Thinking about buying a home? We provide comprehensive mortgage loans and refinancing options. Our friendly team will guide you through the process, making it simpler than ever to secure a mortgage that suits your needs. Picture yourself in your dream home with manageable payments that fit comfortably within your budget.

Personal Banking Solutions

For those looking to manage their day-to-day finances, we offer personal banking options including checking and savings accounts. Whether you're saving for a vacation or managing monthly expenses, our accounts are designed with you in mind. You can easily access your funds through our online and mobile banking platforms, allowing you to check balances, make transfers, and pay bills from anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services to help you navigate financial challenges. Whether it's for home repairs or consolidating debt into one easy payment, we're here to assist you every step of the way.

Digital & Online Banking

Key Features

Our mobile application makes banking even more convenient. You can use it to send money quickly with our person-to-person transfers feature, allowing you to share expenses with friends or family without hassle. Plus, if you're on the go, you can make mobile payments seamlessly, so you'll never miss a beat when you're out shopping or dining. Want to keep track of your finances without the clutter of paper? We offer e-statements for easy access to your account information right from your device. Just log in to your account, and you'll have all your statements available at a glance no more waiting for mail!

Security and Accessibility

At New Horizons, we prioritize your security. Although we currently do not offer electronic signature authorization, our online banking system is protected with the latest security measures to ensure your information stays safe. You can feel confident knowing that your financial details are well-guarded while you manage your accounts. With real-time account management capabilities, you can easily monitor transactions and stay informed about your finances. Our user-friendly interface ensures that whether you're tech-savvy or just getting started with online banking, you'll find it easy to navigate. In short, our digital and online banking services at New Horizons empower you to take control of your financial life on your own terms. Explore everything we have to offer today by visiting https://www.newhcu.org/!

Financial Strength

Growing Member Base

Our commitment to providing excellent service has resulted in a strong membership base. We currently boast 44,290 total share accounts, showcasing the trust our members place in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, New Horizons is your trusted partner. Visit us at 103 Saraland Blvd S Saraland Al 36571 or call (251) 316-3240 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.*

Investing Back into Your Future

We believe in reinvesting in our community and our services. With $22,774,323 in undivided earnings, we focus on innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; with $2,416 in used auto loans and $179,695,476 in total loans and leases, we support your financial goals across various sectors.

Member-Centric Savings Options

Your savings are our priority. Members' savings are secured through $25,851,795 in share certificates and $9,916,210 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 operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 75 full-time employees and 0 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $26,210,057, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $975 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. We have already issued over $42,770,806 in used vehicle loans and $25,092,106 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that can fit your budget.

Credit Lines

Our total credit lines amount to $91,030,250, giving you additional financial flexibility when you need it most. This product can be especially useful for managing cash flow or covering larger expenses as they arise. Whether you're ready to take the next step towards purchasing a vehicle or home or simply want to improve your day-to-day financial situation with a credit card or line of credit, New Horizons has the tools and resources to assist you. For more information on eligibility and how to apply for any of these products online, visit us at New Horizons or check out our eligibility guidelines here. 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 excited to help you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $11,968,911. This means you can find a home that suits your lifestyle without breaking the bank. Plus, if you're considering refinancing your current mortgage for better terms or lower rates, we can help you explore those options as well.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,561,360 in loans helping members manage their finances effectively. These cards can provide an easy way to cover unexpected expenses or make purchases without depleting your savings.

Loan Aggregator

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New Horizons