North Alabama Educators Credit Union Athens AL | Best Auto Loans & Business Banking

Introduction

At North Alabama Educators, we believe in building a strong community through trust and reliable financial services. Located at 107 Us Highway 31 S, Athens, AL 35611, our branch has been serving members since 1957. With a proud membership of 10,764 individuals, we are dedicated to providing personalized solutions tailored to your unique financial needs. As a member-focused credit union, our total assets have grown to an impressive $132,987,180, allowing us to offer diverse services that include auto loans, mortgages, and personal banking options. We currently manage 4,279 loans and leases while ensuring your deposits remain secure with a total of $11,512,592 in deposits. Our net worth stands at $10,234,095, demonstrating our stability and commitment to our members. Under the leadership of CEO Greg Olmsted and Board President Waymon Burke, we strive to create a welcoming environment where you can feel confident about your financial decisions. Our team of 34 employees is here to assist you with everything from everyday banking needs to more significant financial goals. While members can visit us at our Athens location for all their banking needs, official correspondence should be sent to the same address. If you're looking for a community-oriented credit union that prioritizes your financial well-being, we invite you to explore what we have to offer. For more information or assistance, don't hesitate to call us at 256-232-3611 or visit our website at naecu.org. Join us today and experience the difference that comes with being a part of North Alabama Educators!

Branch History & Mission

Commitment to Innovation

As we look toward the future, North Alabama Educators is committed to staying ahead of the curve with digital advancements that enhance member experience. Our online banking platform allows you to manage your finances anytime, anywhere. We also ensure ADA compliance so that everyone can access our services easily. In addition to providing top-notch financial products, we take pride in our shared service center that allows members from partner credit unions to access basic transactions seamlessly. This reflects our belief in collaboration and support among local institutions. We invite you to become part of our journey at North Alabama Educators. Join us today and experience firsthand the benefits of membership where your financial well-being is not just a priority but a passion. Contact us at 256-232-3611 or visit naecu.org for more information on how we can help you achieve your financial goals!

Our Mission

At North Alabama Educators, we believe in empowering individuals and families through education and accessible financial resources. Our mission extends beyond just banking; it's about building lasting relationships and supporting our community's growth. We actively engage in outreach initiatives and partnerships aimed at enhancing the lives of those in Athens and beyond. While members can visit us at 107 Us Highway 31 S, official correspondence should be sent to 107 US Highway 31 South, Athens, AL 35611 if different. We are dedicated to ensuring convenience for all our members with features like ATM availability and drive-thru banking from 8:30 AM - 5:00 PM Monday through Friday, extending drive-thru hours on Fridays until 6:00 PM.

Branch Location & Accessibility

Welcome to the Athens Branch of North Alabama Educators, where convenience meets exceptional service! Located at 107 Us Highway 31 S in beautiful Athens, Alabama, this branch is easily accessible for all your banking needs. Just a stone's throw away from local landmarks, including the vibrant downtown area and various shopping spots, our location makes it simple for you to stop by whether you're on your way to work or running errands. While members can visit us at our physical address, official correspondence should be sent to the same address: 107 US Highway 31 South, Athens, AL 35611. Our branch is designed with your accessibility in mind, featuring ADA-compliant facilities and ample parking spaces for both cars and those using mobility aids. Our friendly team is here to assist you during our operating hours from 8:30 AM to 5:00 PM on weekdays. For your added convenience, we offer extended drive-thru hours until 6:00 PM on Fridays. Whether you need help with personal banking services like checking and savings accounts or are interested in auto loans and mortgages, we're ready to help! In addition to our lobby and drive-thru services, we also provide ATM access for quick cash withdrawals and balance checks. And if you're a member of a partner credit union, feel free to take advantage of our shared services for deposits and withdrawals. If you have any questions or need assistance, don't hesitate to reach out! You can call us at 256-232-3611. We look forward to seeing you soon at North Alabama Educators!

Member Eligibility

At North Alabama Educators, we believe that everyone deserves a chance to be part of a welcoming and supportive community. Becoming a member is not just about opening an account; it's about joining a family that cares about your financial well-being. If you live, work, or worship in the areas served by us, you're likely eligible to join! This includes anyone associated with local educational institutions, which is at the heart of our mission. To get all the specific details about eligibility, you can check out this link: https://secure.rightsignature.com/templates/2bdba2e1-e4bd-44f3-a7c2-2543505ea4cb/template-signer-link/41a5a88a1a870d385d52c85538c6f4f1 . Joining is easy! Once you find out you qualify, simply visit us at our location at 107 Us Highway 31 S Athens Al 35611 or give us a call at (256) 232-3611 to start the account-opening process. We've made it simple and straightforward so that you can enjoy the benefits of membership quickly. Whether you're looking for personal banking solutions like checking accounts or loans, or even if you're interested in business banking services, you'll find what you need right here. Don't wait become part of something great today! For more information on how to open an account, visit https://www.loanliner.com/loanrequest/presenter/loanlist/00101763/2161?isframed=f&cuid=00101763&loanlistid=2161&channelid=6517056901096195625&locationid=none .

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loan options, we offer merchant services that simplify how you handle payments. For example, if you're running a retail store in Athens, our merchant services can help you accept payments efficiently, making transactions smoother for both you and your customers. Partner with us at North Alabama Educators, located at 107 Us Highway 31 S Athens Al 35611 in Athens, AL, and let's work together to turn your business goals into achievements. Reach out today at (256) 232-3611 to explore how we can assist you!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently don't have member or non-member commercial loans listed, we are dedicated to providing flexible financing solutions when the opportunity arises. Imagine a local café wanting to renovate its space to welcome more customers. With the right financial support, they can transform their vision into reality, creating a bustling hub for the community.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help make your dream car a reality. With competitive rates and flexible terms, we ensure that you can drive off with confidence, knowing you've made a smart financial choice.

Business Banking

Entrepreneurs will find our business banking services invaluable. From merchant services that streamline transactions to business loans designed for growth, we're committed to helping local businesses thrive in the community.

Convenient Access & Transactions

To ensure ease of access, North Alabama Educators also offers ATM and cash withdrawal services along with basic drive-thru banking for quick deposits and withdrawals. Plus, if you're a member of partner credit unions, our shared branch transactions allow you to conduct essential banking needs effortlessly. With all these services at North Alabama Educators, we prioritize convenience without sacrificing quality. Our commitment extends beyond traditional banking; we are here as your trusted partner in achieving financial well-being. For more information or to get started today, don't hesitate to call us at (256) 232-3611 or visit us online at Athens Branch. We're excited to assist you on your financial journey!

Credit Cards with Rewards

For those who love earning rewards on their purchases, our credit cards come with attractive benefits tailored to your spending habits. Whether it's cash back or travel points, enjoy the perks while shopping for things you already buy.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing solutions. Whether you're buying your first home or looking to refinance an existing mortgage, our friendly staff is here to guide you through the process. Picture yourself settling into your new home with peace of mind, knowing you have the right loan to fit your budget.

Personal Banking

For those looking to manage their day-to-day finances, our personal banking services are tailored just for you. We offer checking and savings accounts that fit various lifestyles, whether you're saving for a vacation or managing everyday expenses. Imagine having the flexibility to access your funds anytime through our easy-to-use online and mobile banking platforms.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or need help managing debt, consider our personal loans for debt consolidation. We offer straightforward terms that allow you to simplify your payments while lowering interest costs giving you the breathing room you need financially.

Digital & Online Banking

Key Services

With our 24/7 Online Banking services, you can check balances, view transaction history, and transfer funds whenever it suits you. Need to send money quickly? Our Person-to-Person Transfers feature allows you to effortlessly send money to friends or family with just a few taps on your smartphone. For those who prefer managing their finances on the go, our Mobile Application brings all the features of online banking right to your fingertips. Plus, with Mobile Payments, you can easily pay for purchases without reaching for your wallet just use your phone!

Security and Accessibility

Your security is a top priority at North Alabama Educators. We utilize Electronic Signature Authorization, ensuring that all your transactions are secure and protected. Additionally, our members can opt for E-Statements, which not only help reduce paper waste but also allow you to access your statements anytime and anywhere. With these digital banking options, managing your finances has never been easier or more secure. Join us at North Alabama Educators today to experience the benefits of modern banking right from the comfort of your own home!

Financial Strength

A Committed Team

We also take pride in having 29 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is dedicated to making your experience as smooth as possible.

Growing Membership Base

Our strength is reflected in the number of members who trust us with their finances 19,812 total share accounts show a strong and growing member base that believes in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Alabama Educators is your trusted partner. Visit us at 107 Us Highway 31 S Athens Al 35611 or call (256) 232-3611 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

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. This commitment translates into tangible benefits for all our members.

Reinvesting in Member Services

With $9,926,235 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We believe that a thriving credit union means more opportunities for you.

Secured Savings Options

Your savings are secured through $15,663,971 in share certificates, offering stable and rewarding financial growth opportunities. Although we currently have $0 in money market shares, we focus on maximizing your returns with minimal risk.

Strong Financial Health

With a net worth of $10,234,095, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This figure reflects our commitment to providing a reliable banking experience. Additionally, our net worth ratio of $784 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

We're here to support your financial goals with $1,382 in used auto loans and $54,269,492 in total loans and leases. This diverse lending capacity allows us to cater to various needs while helping you achieve your dreams.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $24,424,108 in used vehicle loans and $6,664,035 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used car or a brand-new model, we have flexible options to fit your budget.

Credit Lines

If you need additional financial support without the commitment of a traditional loan, consider our credit lines with a total available amount of $2,500,000. These lines provide you with quick access to funds when you need them most. We are committed to providing transparent and accessible lending solutions tailored to your unique needs. If you're interested in exploring refinancing options or learning more about eligibility criteria for any of our loan products, please don't hesitate to contact us or visit our website at naecu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,540,086. Whether you're a first-time homebuyer or looking to refinance your existing mortgage for better terms, our team is here to guide you through the process.

Unsecured Credit Card Loans

For those seeking flexibility in managing their finances, we also offer unsecured credit card loans. While we currently have $0 in these loans issued, our credit card options come with competitive rates and terms that can help you manage your spending effectively when available.

Loan Aggregator

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NORTH ALABAMA EDUCATORS CREDIT UNION - Athens, AL