University of South Alabama Credit Union Charlotte NC

Introduction

Welcome to University Of South Alabama, your trusted financial partner located at 5024 Parkway Plaza Blvd, Charlotte, NC 28217. Since our establishment in 1960, we have dedicated ourselves to empowering our members with reliable and accessible financial services. With a growing membership of 8,451 individuals, we pride ourselves on being more than just a credit union; we are a community committed to making a positive impact. At University Of South Alabama, we manage total assets of $56,369,212 and ensure the safety of your funds with total deposits reaching $4,987,515. Our financial strength is reflected in our net worth of $7,334,562 and a healthy cash reserve of $715,352, providing you with peace of mind knowing that your money is in good hands. Our team, led by CEO Felicia McKee and Board President Polly Stokley, consists of dedicated professionals who are passionate about serving our community. We understand the diverse needs of our members and offer a range of services tailored to help you achieve your financial goals. Whether you're looking for loans or savings options, our commitment to personalized service sets us apart. While members can visit us at our branch location for assistance, official correspondence should be sent to the same address. We invite you to explore all that we offer by visiting our website at University Of South Alabama, where you can learn more about how we can assist you in your financial journey. Feel free to reach out to us at 888-796-4827 for any inquiries or visit us today! Your future begins here with University Of South Alabama together, let's build a brighter tomorrow.

Branch History & Mission

Join Us!

As we look toward the future, we invite you to become part of our story. Join the University Of South Alabama branch today and experience firsthand how we can help you reach your financial goals while contributing positively to the community around us. For more information or assistance, feel free to reach out at 888-796-4827. Together, let's build a brighter financial future!

Our Journey

Over the years, the University Of South Alabama branch has experienced significant growth and development. From humble beginnings, we have expanded our offerings to include a variety of loans, savings accounts, and financial resources tailored to our members' unique needs. Our commitment to excellence has been recognized through numerous achievements, making us a trusted financial partner in Charlotte and beyond. Conveniently situated at 5024 Parkway Plaza Blvd, Charlotte, NC 28217, our location is easily accessible for all your banking needs. While members can visit us at this address for personal service, official correspondence should be sent to the same mailing address for your convenience.

Our Mission

At the heart of our mission is a simple yet profound goal: to enhance the financial well-being of our members and foster community growth. We believe in empowering individuals with the tools they need to achieve their financial goals. Whether it's securing an auto loan or opening a savings account, we aim to provide personalized service that makes banking easy and approachable. We also recognize that being part of a community means giving back. That's why we actively engage in partnerships with local organizations and participate in outreach efforts that support education, health initiatives, and economic development in Charlotte. In addition to traditional banking services, we have embraced digital advancements such as online banking and e-statements to provide greater accessibility for our members. We are committed to ensuring that everyone can benefit from our services regardless of their circumstances.

Branch Location & Accessibility

Accessibility and Features

We understand how important accessibility is for our members. Our branch is designed with ADA compliance in mind, ensuring that everyone can easily access our services. Parking is available right outside, making your visit hassle-free. While members can visit us at this address, official correspondence should be sent to the same address for consistency.

Call to Action

We invite you to come and experience personalized banking with us! Whether you're looking to open a new account or have questions about our services, we're here to help. Feel free to stop by or give us a call we look forward to serving you!

Operating Hours and Services

Our operating hours are tailored to fit your busy schedule, allowing you to visit at your convenience. Although specific hours are currently not displayed, we encourage you to call us at 888-796-4827 for assistance or more information about when we're open. At the University Of South Alabama branch, we offer ATM services to help you manage your money on the go. Please note that while we don't have drive-thru banking available, our friendly staff is always ready to assist you inside.

Member Eligibility

At University Of South Alabama, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that values your financial well-being. To become a member, you simply need to meet some friendly eligibility criteria. If you're affiliated with the University of South Alabama whether as a student, faculty member, or alumni you can easily step into membership. Even if you're not directly connected to the university, don't worry! We also welcome immediate family members and other eligible groups. For a detailed overview of all eligibility requirements, feel free to check out our resource at http://www.usafedcu.com/departments/alumni/membershipconnects.html . Getting started is a breeze! You can open your account online by visiting http://www.usafedcu.com/departments/admissions/applytousa.html , or if you prefer a more personal touch, give us a call at (888) 796-4827. Our team is here to help guide you through the process and answer any questions you may have. With our commitment to excellent service and community support, becoming a member at University Of South Alabama means gaining access to valuable financial tools and resources tailored just for you. Don't hesitate; we look forward to welcoming you!

Business Banking & Commercial Services

Merchant Services that Work for You

In today's fast-paced market, efficient payment solutions can make all the difference. Our merchant services provide you with user-friendly tools to process payments seamlessly. Imagine receiving payments directly from customers through various channels whether online or in-person enhancing your cash flow while keeping things simple. Reach out to us at 5024 Parkway Plaza Blvd Charlotte Nc 28217 in Charlotte, NC to learn how our business banking and commercial services can help take your enterprise to the next level!

Tailored Loan Options

Imagine being able to invest in new equipment, expand your workforce, or open a new location all with the right financing in place. 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

Our Services

One of the standout features at University Of South Alabama is our focus on accessibility. We understand that life can be busy, which is why we offer essential ATM Services Only. This means you can withdraw cash or check your balance without stepping into a branch. Imagine being able to access your funds quickly when you're out shopping or need cash for an unexpected expense that's the convenience we strive to provide. In addition to ATM services, we prioritize online banking and mobile app solutions, allowing you to manage your accounts from the comfort of your home or on the go. With secure online banking, you can check balances, transfer funds, and pay bills at any time that suits you. No more waiting in line; just log in whenever it fits into your day.

Why Choose Us?

Choosing University Of South Alabama means more than just having access to basic services. It's about being part of a community-focused credit union where your financial well-being is our priority. Our friendly staff is always ready to assist with any questions or concerns you might have, making sure you feel valued as a member. Whether you're saving for a big purchase or planning for retirement, our services are designed with you in mind. We encourage all members to explore our offerings and see how they can benefit their personal finance journey. We invite you to reach out today! Call us at (888) 796-4827 or visit us at https://www.southalabama.edu/departments/usafedcu/ to learn more about how we can assist you in achieving your financial goals. Join us at University Of South Alabama, where we're committed to serving our members with dedication and care.

Digital & Online Banking

Key Features

One of the standout features is our ability to send E-Statements directly to your inbox. This means you can say goodbye to paper clutter and access your financial statements whenever you need them safely and securely. If you're looking to make payments quickly, our Person-to-Person Transfers let you send money to friends or family with ease, eliminating the hassle of cash or checks. For those on the go, our Mobile Application puts banking in your pocket. You can manage your accounts, view e-statements, and even set up alerts for important account activity. Unfortunately, we don't currently support Mobile Payments, but we continually look for ways to enhance your experience.

Security and Accessibility

We prioritize your security with robust measures in place so that you can bank confidently from anywhere. While we do not offer Electronic Signature Authorization, we ensure that all transactions are protected with top-notch encryption technologies. Whether you're at home or traveling, University Of South Alabama provides you with real-time account management tools that are user-friendly and easily accessible. We believe banking should fit into your lifestyle without complications. Experience the ease of digital banking with University Of South Alabama today!

Financial Strength

Dedicated Team

We also take pride in having 6 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is dedicated to providing personalized assistance whenever you need it.

Focused on Members

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.

Growing Membership Base

Total Share and Deposit Accounts: 13,005, showing a strong and growing member base that trusts us with their finances. Your trust is invaluable to us as we work towards meeting your banking needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, University Of South Alabama is your trusted partner. Visit us at 5024 Parkway Plaza Blvd Charlotte Nc 28217 or call (888) 796-4827 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $772 in used auto loans and $30,052,810 in total loans and leases. This variety ensures that no matter your financial aspirations, we're here to help you achieve them.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We believe that efficient operations lead to better service for you.

Reinvestment for Growth

With $6,998,070 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to adapt to changing needs while continuously improving our offerings.

Secure Savings

Members' savings are secured through $1,362,512 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to our members means that your hard-earned money is not only safe but also working for you.

Solid Foundation

With a net worth of $7,334,562, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,301 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 $13,556,992 in used vehicle loans and $10,797,485 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 financing options that can fit your budget.

Credit Lines

In addition to our standard loan offerings, we have credit lines available totaling $1,277,700. These lines give you the flexibility to borrow as needed without going through a full application process each time. If you're interested in any of our loan products or want to learn more about refinancing options and eligibility criteria, don't hesitate to reach out. You can contact us at 888-796-4827 for personalized assistance or visit us at our branch located at 5024 Parkway Plaza Blvd Charlotte Nc 28217. Explore our loan offerings today and take the next step toward financial empowerment!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,712,611, make buying or refinancing simple. We're committed to guiding you through every step of the mortgage process so you can focus on what matters most making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $892,738 in loans helping members manage their finances effectively. These credit cards provide an easy way to handle unexpected expenses while offering competitive rates and no annual fees.

Loan Aggregator

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UNIVERSITY OF SOUTH ALABAMA FEDERAL CREDIT UNION - Charlotte, NC