North Alabama Educators Credit Union Madison AL | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to North Alabama Educators, your trusted financial partner located at 7559 Highway 72 W Ste 114, Madison, AL 35758. Since our establishment in 1957, we have proudly served a growing community of over 10,764 members. With total assets of $132,987,180, we are committed to providing a variety of financial services tailored to meet your needs. At North Alabama Educators, we understand that our strength lies in the relationships we build with our members. Under the leadership of CEO Greg Olmsted and Board President Waymon Burke, our dedicated team of 34 employees is here to support you on your financial journey. Whether you're looking for personal banking solutions, auto loans, or business services, we strive to make your experience smooth and rewarding. While you can reach us directly at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address at 7559 Highway 72 West Suite 114, Madison, AL 35758. Our commitment extends beyond just numbers; we aim to create a positive impact in the communities we serve. With total loans amounting to 4,279, and deposits reaching $11,512,592, we are focused on helping our members achieve their financial goals while ensuring their investments remain secure. Curious about how we can assist you today? Don't hesitate to call us at 256-722-5046 or visit our website at naecu.org for more information. Join us as we continue to grow together!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become a part of the North Alabama Educators family. Experience firsthand how our commitment to your financial well-being can make a difference in your life. Visit us at our Madison branch or reach out at 256-722-5046 for more information about membership benefits. Join us today and let's build a brighter tomorrow together!

Our Mission

The mission of North Alabama Educators is simple yet powerful: to provide reliable financial services while fostering community support and growth. We believe that when our members thrive, so does our community. Our focus on personalized service ensures that each member feels valued and understood. We strive to create lasting relationships built on trust and transparency. While members can visit us at 7559 Highway 72 W Ste 114 Madison Al 35758, official correspondence should be sent to 7559 Highway 72 West Suite 114, Madison, AL 35758 if it differs. Our team is dedicated to making banking easier for you, whether it's through drive-thru services or online account management options. We understand the importance of giving back to the community we serve. Through various outreach programs and partnerships with local organizations, we actively contribute to initiatives that uplift those in need. By participating in local events and supporting educational programs, we aim to make a positive impact on the lives around us.

Our Story

Located at 7559 Highway 72 W Ste 114, Madison, AL 35758, North Alabama Educators has become an integral part of the community. Our branch is easily accessible, and many members find us conveniently located near local schools and parks. Over the years, we've adapted to changes in the financial landscape while maintaining our core mission: to empower our members through tailored financial solutions. Our journey has been marked by significant milestones. From launching personal banking services to introducing online and mobile banking options, we've consistently prioritized convenience and accessibility. Today, we offer a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards.

Branch Location & Accessibility

Accessibility Features

Our branch is equipped with features to ensure everyone can access our services comfortably. We offer ADA-compliant entryways and parking spaces, making it easier for all members to visit us. Plus, there's ample parking available right outside for your convenience.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 256-722-5046. Our friendly staff is ready to help you with any inquiries you may have. We invite you to visit us today and discover how North Alabama Educators can support your financial journey!

Operating Hours

We understand that your time is valuable. That's why we're open from 8:30 AM to 5:00 PM Monday through Friday, with extended drive-thru hours until 5:30 PM on Fridays. Please note that we close for lunch each day from 1:15 PM to 2:15 PM, so plan your visit accordingly!

Services Offered

At the North Alabama Educators Madison Branch, we provide a range of banking services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your financial goals. Our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle, making banking even more convenient.

Member Eligibility

Becoming a member of North Alabama Educators is like opening the door to a friendly community that genuinely cares about your financial well-being. To join us at our cozy branch located at 7559 Highway 72 W Ste 114 Madison Al 35758, you'll find that eligibility is quite accessible. If you live, work, or attend school in the area, you're likely already qualified! We welcome individuals from various backgrounds and professions, ensuring that everyone has the chance to benefit from our personalized services and supportive atmosphere. Once you know you're eligible, opening an account is a breeze. Just head over to our website for more detailed information on eligibility criteria at https://secure.rightsignature.com/templates/2bdba2e1-e4bd-44f3-a7c2-2543505ea4cb/template-signer-link/41a5a88a1a870d385d52c85538c6f4f1 . If you're ready to get started, you can easily open your account online by visiting https://www.loanliner.com/loanrequest/presenter/loanlist/00101763/2161 ?isframed=f&cuid=00101763&loanlistid=2161&channelid=6517056901096195625&locationid=none or give us a call at (256) 722-5046 for any questions you might have. Join us today and experience the advantages of being part of North Alabama Educators, where we prioritize your needs and goals!

Business Banking & Commercial Services

Business Loan Options

Imagine starting a new project that could take your business to the next level. With our commitment to supporting businesses, we offer various commercial loan options designed for growth. While we currently have no member or non-member commercial loans available, we're dedicated to helping businesses in the community thrive.

Merchant Services That Work for You

Picture this: a customer walks into your store, ready to make a purchase. With our merchant services, processing payments is quick and easy, allowing you to focus on what matters most growing your business. Our solutions are designed to enhance your operations, making transactions smoother and more efficient. Though our outstanding commercial loans stand at $0 right now, we believe in creating opportunities for future financing. Your success is our priority at North Alabama Educators, located at 7559 Highway 72 W Ste 114 Madison Al 35758 in Madison, AL. For more information on how we can assist your business, feel free to reach out at (256) 722-5046. Together, let's build a brighter financial future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a pinch? While we currently do not have ATM facilities at our branch, our drive-thru service allows for quick cash withdrawals along with deposits and simple transactions without leaving your car.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are tailored to get you behind the wheel quickly and affordably. Imagine cruising down the highway in your dream car without the stress of high payments our competitive rates can help make that happen.

Business Banking

For our business members, we provide specialized banking services like merchant services and business loans designed to help your enterprise thrive. Whether you're starting from scratch or looking to expand, we're here to partner with you on your journey.

Credit Cards with Rewards

Who doesn't love rewards? Our credit cards offer various perks that can earn you points for travel, dining, and more. Use them wisely and enjoy the benefits while managing your purchases effectively.

Drive-Thru Banking

Our basic drive-thru banking service provides an easy way to complete everyday transactions without stepping inside the branch. Enjoy fast service for deposits and withdrawals right from your vehicle! At North Alabama Educators, we're proud to serve the Madison community with these essential financial services tailored just for you. Have questions or ready to get started? Give us a call at 256-722-5046 or visit us online at naecu.org. We look forward to helping you meet all your financial needs!

Mortgage Loans & Refinancing

Owning a home is one of life's biggest milestones. At North Alabama Educators, we offer mortgage loans that can help turn your dream into reality. If you're already a homeowner, consider our refinancing options that could potentially lower your monthly payment or help you tap into equity for other needs.

Online & Mobile Banking

In today's busy world, convenience is key. That's why we offer robust online and mobile banking solutions that allow you to manage your accounts anytime, anywhere. From transferring funds to paying bills or even depositing checks remotely, we've got you covered.

Personal Banking

Managing your day-to-day finances shouldn't be complicated. With our personal banking options, including checking and savings accounts, we make it easy for you to keep track of your money. Whether you're saving for a special occasion or just trying to manage everyday expenses, our accounts come with features that fit your lifestyle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans provide quick access to cash when you need it most. Plus, if you're juggling multiple debts, our debt consolidation services can simplify your finances by combining everything into one manageable payment.

Digital & Online Banking

Enhanced Features for Your Convenience

For those who enjoy sending money to friends or family, our person-to-person transfer service makes it simple and fast. You can easily send or receive money with just a few taps. And if you're someone who loves the simplicity of mobile payments, you'll be pleased to know that we support this feature as well. Security is always a priority at North Alabama Educators. Our online banking services come equipped with top-notch security measures to protect your information while giving you peace of mind. You can rest assured that your financial data is safe with us. In summary, whether it's through our website or mobile app, managing your finances has never been easier or more secure. With features like 24/7 online banking and convenient payment options, we're here to support you every step of the way. Experience the ease of banking digitally with us today!

Key Services Available

With our online banking platform, you can manage your finances 24/7 at https://naecu.org/ . Whether you need to check your balance, pay bills, or transfer funds, everything is just a click away. Plus, if you're on the go, our mobile application allows you to take care of your banking right from your smartphone or tablet. We also offer electronic signature authorization, allowing you to complete transactions quickly and securely without needing to visit a branch. If you prefer going paperless, our e-statements feature ensures you receive your statements digitally saving trees while keeping your information organized.

Financial Strength

Committed to 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 are also proud to have 29 full-time employees and 5 part-time employees dedicated to serving you with knowledge and commitment.

Growing Member Base

Total Share Accounts: 19,812, showing a strong and growing member base that trusts us with their finances. With this collective trust, we are equipped to manage our net shares (funds available for lending and investments) amounting to $25,896,216 effectively. 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 7559 Highway 72 W Ste 114 Madison Al 35758 or call (256) 722-5046 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.

Member-Focused Savings

Members' savings are secured through $15,663,971 in share certificates, offering stable and rewarding financial growth opportunities. Although we have no funds from non-member deposits, our focus remains solely on benefiting you our valued members. This approach allows us to channel resources into better loan rates and exclusive perks tailored just for you.

Reinvesting in Our Members

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. Our capacity for lending is robust as shown by the $54,269,492 in total loans and leases available for various needs.

Solid Financial Foundation

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. 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.

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 interested in financing a brand-new vehicle or a reliable used car, we've got you covered.

Credit Lines and Unsecured Credit Card Loans

For those who need more flexibility, we offer credit lines with a total amount of $2,500,000 available to support your needs. We also provide unsecured credit card loans to help manage your finances effectively; however, currently, there are no outstanding amounts in this category.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,540,086, make buying or refinancing simple. We provide flexible terms that can be customized to fit your financial situation.

Refinancing Options

If you're considering refinancing your current loans for better rates or terms, please ask about our options. We're here to help you find the best solutions tailored to your financial circumstances. At North Alabama Educators, we are committed to providing clear information and supportive services so that you can make informed decisions about borrowing. 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 encourage you to explore our loan offerings further and see how we can assist you in meeting your financial goals!

Loan Aggregator

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Ensuring Accurate Comparisons

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NORTH ALABAMA EDUCATORS CREDIT UNION