S R I Employees Credit Union Birmingham AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to S R I Employees, your trusted credit union located at 2016 10Th Ave S Ste 102A, Birmingham, AL 35205. Since our establishment in 1956, we have been committed to serving our members with integrity and dedication. With a growing membership base of 189, we take pride in offering personalized financial services that meet the unique needs of our community. At S R I Employees, we understand that every member's financial journey is important. Our total assets stand at an impressive $3,866,370, with total deposits reaching $154,942. We are here to help you achieve your financial goals through a range of services including auto loans, personal loans, and business banking solutions. With 39 loans and leases currently under management, we strive to provide competitive rates and flexible options tailored just for you. Led by our dedicated CEO, Teresa Johnston, and Board President Kenneth Cushing, our small but mighty team of 2 employees works tirelessly to ensure that you receive the best possible service. We believe in the power of community and are proud to contribute positively to Birmingham's vibrant economy. If you need assistance or have questions about our services, don't hesitate to reach out! You can contact us at 205-203-4400 during our lobby hours on Monday, Wednesday, and Friday from 9 AM to 2 PM. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address listed above. Join us at S R I Employees as we work together towards a brighter financial future for you and your family!

Branch History & Mission

Commitment to Innovation

As part of our commitment to progress, we continually seek ways to enhance member experiences through digital advancements. Although we currently do not offer online banking or mobile payment options, we are committed to exploring these avenues in the future to better serve you.

Join Us

With operating hours on Monday, Wednesday, and Friday from 9 AM to 2 PM, we're here for you when you need us most. Whether you're looking for guidance on loans or simply want a safe place for your savings, S R I Employees is ready to help you navigate your financial journey. We invite you to join our family today! Experience the difference of being part of a credit union that truly cares about its members and the community. Reach out at (205) 203-4400 or visit us at our branch together, let's build a brighter financial future!

Mission Statement

At S R I Employees, our mission is simple yet powerful: to empower our members through personalized financial solutions and unwavering community support. We believe that everyone deserves access to reliable banking services that cater to their unique needs. Our offerings include personal banking options such as checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards. We also provide essential business banking services like merchant services and business loans. We are dedicated not only to helping our members achieve their financial goals but also to uplifting the community we serve. Our focus on outreach and partnership initiatives ensures that we remain involved in local events and support charitable causes that matter to our members.

Branch Location & Accessibility

Convenient Access and Amenities

At S R I Employees, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. While parking is readily available nearby, we encourage you to reach out if you need any special accommodations during your visit.

Get in Touch!

While members can visit us at 2016 10Th Ave S Ste 102A, official correspondence should be sent to our mailing address: 2016 10th Ave S Ste 102A, Birmingham, AL 35205. We invite you to come in or call us with any questions about membership or services. Join us today at S R I Employees we look forward to serving you!

Operating Hours that Fit Your Schedule

We know that life can get busy, so we've designed our operating hours to be flexible for our members. You can visit us on Monday, Wednesday, and Friday from 9 AM to 2 PM. If you have questions or need assistance outside of those hours, don't hesitate to give us a call at 205-203-4400.

Services Tailored for You

S R I Employees offers a variety of services designed with your financial well-being in mind. From personal checking and savings accounts to auto loans and mortgage refinancing, our knowledgeable staff is ready to assist you every step of the way. Although we currently do not offer ATM services or drive-thru banking, our team is dedicated to providing top-notch customer service inside the branch.

Member Eligibility

Joining the family at S R I Employees is a simple and welcoming process! To become a member, you just need to meet a few friendly eligibility criteria. Typically, individuals who work for or are retired from specific organizations, as well as their family members, can join our community. This means if you're connected to one of our partner businesses or have a loved one who is, you're likely eligible! It's all about building a supportive network that looks out for one another. For detailed and up-to-date information on eligibility requirements, feel free to check out our website at . Once you've confirmed your eligibility, opening an account is a breeze! You can easily start your membership journey by visiting us at our location: 2016 10Th Ave S Ste 102A Birmingham Al 35205, or simply give us a call at (205) 203-4400. Our team is here to help you every step of the way, ensuring you feel welcomed and valued in our community. We look forward to having you with us!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

When it comes to everyday transactions, we know that efficient merchant services are crucial for keeping your business running smoothly. Our merchant services help you accept payments easily, whether in-store or online, so you can focus on what matters most growing your business. Whether you're starting a new venture or looking to expand an existing one, come visit us at 2016 10Th Ave S Ste 102A Birmingham Al 35205 or give us a call at (205) 203-4400. Let's work together to fuel your success!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, S R I Employees has got your back too! Our business banking services include merchant services and business loans aimed at helping your enterprise grow. We understand the challenges of managing a business and strive to provide solutions that ease your financial burdens.

Embracing Digital Convenience

In today's world, convenience is key. That's why we offer online and mobile banking services that allow you to manage your finances anytime, anywhere. Whether checking balances or transferring funds, our digital platforms ensure you stay connected without needing to visit us in person.

Get In Touch!

We invite you to experience the comprehensive services offered at S R I Employees. If you have questions or want more details about any of our offerings, don't hesitate to reach out! Call us at (205) 203-4400 during our lobby hours: Monday, Wednesday, and Friday from 9 AM to 2 PM. We're here for you every step of the way!

Home Financing Solutions

Homeownership is a dream for many, and we are here to help make it a reality. With mortgage loans and refinancing options, S R I Employees offers personalized solutions that suit your unique situation. We understand that each member's financial landscape is different, so our mortgage specialists work closely with you to find the right fit.

Personal Banking Made Easy

Imagine walking into a bank where your everyday banking needs are met with a smile. At S R I Employees, we offer personal banking services that include checking and savings accounts designed to help you manage your money effectively. Whether you're saving for a vacation or planning for a big purchase, our accounts come with benefits that fit your lifestyle. Need to finance a new vehicle? Our auto loans and vehicle financing options are straightforward and designed with competitive rates to get you on the road faster. We know how important it is to have reliable transportation, and our team is here to guide you through the loan process smoothly.

Support for Your Financial Goals

For those looking to consolidate debt or make significant purchases, our personal loans are tailored to provide flexibility and support. Plus, if you're interested in building rewards while spending, check out our credit cards with rewards that can benefit your everyday purchases.

Digital & Online Banking

At S R I Employees, we understand that convenience and security are essential in today's banking world. That's why we offer a variety of digital and online banking services designed to make managing your finances easier than ever. While we currently do not offer online banking at S R I Employees or services like mobile applications, e-statements, and electronic signature authorization, our commitment to enhancing your banking experience remains strong. You can still visit us in person to access all the traditional banking services you need. Our future plans include exploring options for mobile payments and person-to-person transfers. These features will empower you to send money directly to friends or family with just a few taps on your smartphone. Imagine the ease of handling your finances without needing to visit a branch! Although we don't have 24/7 online banking services yet, our friendly staff is always here during operating hours Monday, Wednesday, and Friday from 9 AM to 2 PM to assist you with any questions or transactions you may have. We're dedicated to ensuring that when we do roll out more digital solutions, they will be user-friendly and secure so you can manage your accounts in real time without any worries. Stay tuned for exciting updates as we work toward bringing more innovative banking solutions to you! For now, if you have any questions about our services or would like assistance with your accounts, feel free to reach out at (205) 203-4400. Your financial journey is important to us at S R I Employees!

Financial Strength

Commitment to Service

Our operations reflect our commitment to efficiency, as shown by our $-14,065 which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 2 part-time employees who are always ready to assist you with knowledgeable service.

Growing Together

We are honored to have a growing member base with a total of 251 share accounts. This shows the trust placed in us by our community as we work together towards achieving financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, S R I Employees is your trusted partner. Visit us at 2016 10Th Ave S Ste 102A Birmingham Al 35205 or call (205) 203-4400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $463,578 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.

Reinvesting for Growth

With $1,316,802 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $8 in used auto loans and $558,038 in total loans and leases.

Strong Net Worth

With a net worth of $1,405,650, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $3,636 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 $124,010 in used vehicle loans and $173,872 in new vehicle loans already helping members get on the road, we make it easy for you to drive away with confidence. Our team is ready to guide you through the process and find a loan that fits your budget.

Credit Lines and Refinancing Options

In addition to our standard loan offerings, we provide credit lines totaling $530,100. This allows members to access funds as needed while only paying interest on what they use. If you're considering refinancing any existing loans, we can assist with options tailored just for you. At S R I Employees, our commitment is to help you succeed financially. For more information or assistance, please reach out at (205) 203-4400 during our operating hours: Monday, Wednesday, and Friday from 9 AM to 2 PM. 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 towards your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $13,271. We simplify the buying or refinancing process, ensuring that you have the support and resources needed every step of the way.

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. This option can be particularly useful for those who want to consolidate debt or cover unexpected expenses without collateral.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 accuracy ensures that users receive fair and transparent offers every time they use the platform.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results, helping users find the best options without hidden agendas. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the platform's reliability and effectiveness. For those looking to navigate the complex world of loans, comparing real-time loan offers can be a game changer. 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.

S R I EMPLOYEES FEDERAL CREDIT UNION