WCU Credit Union Moulton AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Wcu Credit Union, where our commitment to serving our members and community shines through in everything we do. Located at 26 Franklin Smith Rd, Moulton, AL 35650, we have proudly been part of this community since our establishment in 1948. With a membership base of over 3,381 individuals, we are dedicated to providing personalized financial solutions tailored to meet your needs. At Wcu Credit Union, we understand that trust is earned. That's why we focus on transparency and reliability in all our operations. Our total assets currently stand at an impressive $34,921,050, reflecting our strong financial health. We are proud to offer a range of services, from personal banking products like checking and savings accounts to auto loans and mortgages. In total, we've issued 852 loans to help our members achieve their financial goals. Your deposits are safe with us our total deposits amount to $4,876,936, backed by a net worth of $2,999,046. Our dedicated team of 14 employees, led by CEO Steve Determan and Board President Mark Moody, is here to assist you every step of the way. Whether you prefer visiting us in person or accessing services online through our website at wcucu.com, we strive to provide exceptional service. We invite you to explore how Wcu Credit Union can help you secure your financial future. For any inquiries or assistance, please don't hesitate to call us at 256-974-2013. Join us today and experience the benefits of being a member of Wcu Credit Union!

Branch History & Mission

At Wcu Credit Union, our story is one of community, growth, and commitment. Founded in 1948, we have proudly served the residents of Moulton, Alabama, for over seven decades. Our branch, located at 26 Franklin Smith Rd, has been a cornerstone of the community, providing financial services that empower individuals and families to achieve their dreams. From humble beginnings, Wcu Credit Union has grown to a membership of over 3,381 individuals who trust us with their financial needs. As we evolved through the years, our mission has remained steadfast: to deliver exceptional financial services while fostering a spirit of cooperation and support within our community. We believe in putting our members first and ensuring that they have access to the resources they need for a secure financial future. In addition to personal banking services such as checking and savings accounts, auto loans, and credit cards with rewards, we are proud to offer innovative online and mobile banking solutions. These advancements reflect our dedication to making banking easier and more accessible for everyone. We also provide ATM services and drive-thru banking for added convenience. Our commitment extends beyond just financial transactions; we actively participate in local initiatives and partnerships that enhance the quality of life in Moulton. Our shared service center allows members from partnering credit unions to access essential services right here at our branch. While members can visit us at 26 Franklin Smith Rd, official correspondence should be sent to the same address since our mailing address is not different from our branch location. If you have any questions or need assistance, feel free to call us at (256) 974-2013 during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM (drive-thru only). As we look forward to the future, Wcu Credit Union remains committed to its mission of being a trusted financial partner in our community. We invite you to join us on this journey and experience firsthand the benefits of membership. Together, let's build a brighter financial future!

Branch Location & Accessibility

Get in Touch!

If you have any questions or would like more information about what we offer, feel free to give us a call at (256) 974-2013. Our team is always ready to assist you. We invite you to come by and see how Wcu Credit Union can support your financial journey today!

Nearby Landmarks

Nestled in Lawrence County, our branch is just a stone's throw away from local favorites like the Moulton Park and the historic downtown area. You can easily swing by while enjoying a day out or running errands.

Operating Hours

At Wcu Credit Union, we aim to accommodate your busy schedule with convenient operating hours. We're open from 8:30 AM to 5:00 PM Monday through Friday, and on Saturdays, you can visit us from 8:00 AM until 12:00 PM drive-thru only. This flexibility ensures you can manage your banking needs without any hassle.

Parking and Accessibility

We offer ample parking space right outside our entrance, making it easy for you to pop in. Our branch is fully ADA-compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably.

Services Offered

We provide a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgage loans, and even business banking services, we've got you covered. With ATM availability and drive-thru banking, accessing your funds has never been easier. Plus, if you're a member of partner credit unions, take advantage of our shared service center for deposits and withdrawals.

Member Eligibility

At Wcu Credit Union, we believe that becoming a member is like joining a close-knit family that genuinely cares about your financial well-being. If you live, work, or worship in the Moulton area, you're likely eligible to join our community. We welcome individuals from various backgrounds, making it easy for you to take part in all the benefits we offer, from personal banking services to loans and financial advice. To see if you qualify based on specific criteria or to learn more about the advantages of membership, feel free to visit our eligibility page at https://www.wcucu.com/about/membership . Joining is simple! You can open your account online or give us a call at (256) 974-2013 for personalized assistance. We're here to help every step of the way, ensuring that your transition into our credit union is smooth and welcoming. Explore all that Wcu Credit Union has to offer by visiting us at 26 Franklin Smith Rd Moulton Al 35650 or checking out our account opening details at https://www.wcucu.com/borrow/loan-application . We can't wait to have you with us!

Business Banking & Commercial Services

Business 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

Imagine being able to process payments effortlessly, giving your customers a smooth shopping experience. Our merchant services are designed for real-world use, making transactions simple and efficient. From credit card processing to point-of-sale solutions, we provide the tools you need to keep your business running smoothly. Visit us at 26 Franklin Smith Rd Moulton Al 35650 in Moulton, AL or call us at (256) 974-2013 to learn more about how our business banking and commercial services can help your business grow!

Comprehensive List Of Services

Accessibility Features

In addition to traditional banking services, we prioritize digital convenience. Our online and mobile banking platforms allow you to perform transactions without having to visit the branch physically. You can pay bills, transfer money between accounts, or even send money directly to friends with our person-to-person payment feature. For those times when you prefer face-to-face interactions, we have drive-thru banking available for quick deposits and withdrawals. If you happen to be a member of another credit union within our network, you can take advantage of shared branch transactions as well.

Additional Services

We also provide easy access to cash through our ATM services and basic cash withdrawal options. You can check balances at any time without hassle. The combination of these services ensures that no matter where life takes you whether it's managing personal finances or running a business you'll have support at every turn. If you're ready to explore how Wcu Credit Union can assist you with your financial journey, give us a call at (256) 974-2013, or visit us at 26 Franklin Smith Rd Moulton Al 35650 in Moulton, AL. We look forward to serving you!

Business Banking Solutions

For business owners, we offer essential services like merchant services and business loans. These resources help you manage transactions smoothly and secure funding for growth opportunities. We understand that running a business requires reliable banking support, and we're here to help.

Personal Banking Services

Starting with personal banking, we offer checking and savings accounts that fit various lifestyles. Our accounts come with user-friendly online and mobile banking options, allowing you to manage your money anytime, anywhere. Imagine depositing a check or transferring funds from your couch it's that simple! When it comes time to purchase a vehicle, our auto loans and vehicle financing options make it easy to drive away in the car of your dreams. With competitive rates and flexible terms, you can choose what works best for your budget. Plus, if you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans come with personalized assistance every step of the way. If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide relief when you need it most. And don't forget about our credit cards with rewards, which let you earn points on everyday purchases that can be redeemed for exciting rewards.

Digital & Online Banking

Accessibility and Support

We believe that banking should be accessible for everyone. That's why our services are designed to fit into your lifestyle seamlessly. Whether you need assistance or have questions about using our digital services, our friendly team is just a phone call away at (256) 974-2013. Experience the ease of modern banking with Wcu Credit Union today! From checking balances to making payments, we've got you covered every step of the way.

Key Features

With our user-friendly online banking, you can easily check your balance, transfer funds, and even pay bills without leaving your couch. If you're looking to send money to friends or family, our person-to-person transfer feature makes it quick and easy. You can also enjoy the peace of mind that comes with electronic signature authorization for secure document handling right from your device. For those who prefer mobile banking, our dedicated mobile application allows you to manage your accounts anytime, anywhere. You can make mobile payments effortlessly just tap and go! Plus, signing up for e-statements helps you keep track of your finances while reducing paper clutter.

Financial Strength

Efficient Operations

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Membership Base

Total Share Accounts: 6,062, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $227,136. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wcu Credit Union is your trusted partner. Visit us at 26 Franklin Smith Rd Moulton Al 35650 or call (256) 974-2013 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $233,737 in share certificates and $3,086,616 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.

Reinvestment for Growth

With $1,770,505 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to responsible lending is evident as we have $390 in used auto loans and $18,193,670 in total loans and leases, supporting our members' financial goals across various sectors.

Solid Financial Position

With a net worth of $2,999,046, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $859 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 $9,037,529 in used vehicle loans and $4,241,223 in new vehicle loans already helping members get on the road. We provide flexible financing solutions whether you're purchasing a brand-new vehicle or a reliable used one.

Credit Lines

For those who prefer flexibility in their borrowing options, we provide access to credit lines totaling $1,800,000. This can be an excellent way to manage unexpected expenses or finance larger purchases without the need for traditional loans. If you're considering refinancing any existing debts or exploring eligibility options for our loans, please don't hesitate to reach out. Our friendly staff can guide you through the process and help determine what options work best for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Wcu Credit Union, our commitment is to empower our members with the right tools and support they need to succeed financially. We invite you to visit us or contact us today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to check back as we continually evaluate our offerings.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans. Though we currently have $0 in this category, our team is always ready to discuss alternative financing options that might be suitable for you.

Loan Aggregator

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 ensures that users receive fair and transparent offers tailored to their needs. By adhering to these strict guidelines, LendMesh promotes trust and integrity in the loan comparison process.

Benefits of Using LendMesh

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WCU CREDIT UNION - Moulton, AL