Business Details
50+ Years
experience
Your Trusted Credit Union in North Alabama
North Alabama Educators Credit Union has served the financial needs of the educational community since 1955. Founded in Huntsville, Alabama, we have expanded to serve over 11,000 members across multiple branches and through the CO-OP Shared Branching Network. As a member-owned cooperative, we prioritize competitive rates, reduced fees, and personalized service. Our philosophy of 'Not for Profit, not for Charity, but for Service' guides every decision. With $127 million in assets, we offer a full range of financial products, including mortgage loans, savings accounts, and credit cards.Our team of experienced professionals delivers tailored solutions to meet diverse financial goals. We maintain 24/7 account access through secure online banking and MemberLink audio services. Community involvement and member satisfaction remain central to our mission. Federally insured by NCUA, we provide peace of mind with deposits protected up to $250,000. Through continuous innovation, we adapt to evolving member needs while upholding our founding principles.
Services
Mortgage Loans
Auto Loans
Savings Accounts
Checking Accounts
Certificate Accounts
Overdraft Protection
Online Banking
ATM Access
Loan Refinancing
Financial Counseling
Details
- Year established: 1955
Highlights and features
- We offer member ownership with direct financial benefits
- Our competitive loan rates exceed traditional bank offerings
- CO-OP Shared Branching Network provides nationwide access
- 24/7 digital banking with advanced security features
- Community-focused financial counseling services available
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Mortgage Loans
We provide 30-year FHA, VA, USDA, and conventional mortgage options requiring little or no down payment. Our loan officers assist with pre-approvals and refinancing solutions. Competitive rates and flexible terms help members achieve homeownership goals.
Savings Accounts
Our savings products include standard accounts, Super Share options, and Christmas clubs. Members earn dividends while maintaining liquidity. Minimum requirements and tiered rates accommodate various saving strategies and financial objectives.
Online Banking
Secure 24/7 access to account management through our CU-Online platform. Features include bill payment, fund transfers, and real-time transaction monitoring. Enhanced security protocols protect member financial data and transactions.
Auto Loans
Competitive APRs available for new and used vehicle purchases. Loan terms up to 72 months with flexible repayment options. Pre-approval process simplifies car shopping experiences for members.
Financial Counseling
Personalized guidance through GreenPath Financial Counseling services. Assistance with debt management, budget creation, and credit improvement strategies. Educational resources support long-term financial wellness.
Questions
What mortgage loan options do you offer?
We provide 30-year FHA, VA, USDA, and conventional mortgages with low down payment requirements. Contact our loan officers for personalized assistance.
Who is eligible for membership?
We serve employees of local educational institutions, their families, and select community groups. Visit our website for complete eligibility details.
How can I access my account after hours?
Our 24/7 CU-Online banking and MemberLink audio services provide round-the-clock account access and transaction capabilities.
Do you offer auto loan refinancing?
Yes, we provide competitive auto refinancing options. Contact our loan department to explore potential rate reductions and payment adjustments.
What savings account benefits exist?
Members earn dividends with tiered options including standard savings, Super Share accounts, and specialized clubs for specific savings goals.
How does the Skip-A-Payment program work?
Eligible members may skip two loan payments annually. Restrictions apply. Complete the authorization form at any branch location for processing.
Videos