Business Details
50+ Years
experience
Your Trusted Partner for Financial Success in Tuscaloosa
Founded in 1956, Alabama Credit Union has served as a member-owned financial cooperative dedicated to enhancing the financial well-being of its members. We prioritize community empowerment through personalized banking solutions, including checking and savings accounts, auto loans, mortgages, and financial education programs. Our merger with Alabama River Credit Union expands our reach while maintaining local service through 38 branch locations across Alabama and North Florida. As a not-for-profit institution, we focus on delivering competitive rates, innovative digital tools, and community-driven initiatives that support economic growth and financial literacy. Our team of experienced professionals provides tailored financial counsel, ensuring members receive 'loans for real life' with service that fosters trust and long-term relationships.We maintain robust NCUA insurance coverage and offer Excess Share Insurance for additional security. Through advanced online banking platforms and mobile applications, we combine technological convenience with the personal touch that defines our cooperative values. Our commitment to transparency, ethical practices, and community reinvestment has earned recognition as Alabama's Best Credit Union. With over six decades of operational history, we continue evolving to meet modern financial needs while preserving the cooperative principles that founded our institution.
Services
Checking Accounts
Savings Accounts
Auto Loans
Credit Cards
Business Banking
Mortgage Loans
Personal Loans
Financial Education
Online Banking
Wealth Management
Details
- Year established: 1956
Highlights and features
- We operate as a member-owned cooperative prioritizing your financial success over profits
- Our local lenders provide personalized service with fast decision-making capabilities
- We offer comprehensive financial education programs to improve money management skills
- Our advanced digital banking platforms combine security with user-friendly convenience
- We maintain a strong community reinvestment record through local initiatives and partnerships
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Checking Accounts
Our checking accounts provide flexible financial management solutions with multiple options to suit different lifestyles. The Lifestyle Account offers premium features while the Value Account delivers essential banking convenience. Students and teens can access specialized accounts to develop financial responsibility. All accounts include mobile banking, bill pay, and overdraft protection options to help members manage daily finances effectively.
Auto Loans
We offer competitive auto loan rates for new and used vehicle purchases with flexible terms to accommodate various credit profiles. Our local lenders provide personalized guidance through the financing process, ensuring members secure the best possible rates. Loan terms include 36-month options for new vehicles and adjustable plans for pre-owned cars, with online application capabilities for added convenience.
Financial Education
Our financial education programs empower members with essential money management skills through Banzai courses, Young Money University, and personalized coaching. Resources cover budgeting, debt management, and investment basics to help members achieve long-term financial stability. These free educational tools support our mission to reduce financial insecurity in the communities we serve.
Online Banking
Our advanced online banking platform enables 24/7 account access with features like mobile check deposit, fund transfers, and bill payment. Security measures include customizable alerts and fraud detection systems to protect member accounts. The mobile app provides convenient financial management tools that integrate seamlessly with all our banking services.
Savings Accounts
We offer multiple savings options including standard accounts, CDs, money markets, and IRAs to help members achieve short and long-term financial goals. Competitive interest rates and flexible terms allow members to optimize their savings strategies. Specialized accounts for children and teens promote early financial education while investment products support retirement planning needs.
Questions
When does the Alabama River Credit Union merger take effect?
The merger becomes effective on Wednesday, October 1, 2025, with account conversions completed by this date.
Will my account number change after the merger?
Most account numbers will retain their original format with a '45' prefix added if necessary, along with suffixes identifying account types.
Can I continue using my Alabama River CU debit card after the merger?
No, new Alabama Credit Union debit cards will be issued and must be activated on October 1, 2025.
How do I access online banking after the merger?
New login credentials will be provided, with temporary access available through AlabamaCU.com starting October 1, 2025.
Will loan terms change with the merger?
Existing consumer loan terms including rates and payment amounts will remain unchanged following the account conversion.
Are my deposits still insured after the merger?
Yes, accounts remain covered by NCUA insurance up to $250,000 with additional protection through Excess Share Insurance.
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Reviews (5)
Dana Sherman
Dec 05, 2021
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Family member was stuck out of state and tried to cash a check. They said it would take a WEEK to cash. As much as I hate to say it, as someone who believes in credit unions, this bank is the WORST.
Alaine Huntington
Nov 27, 2021
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I've been a member for over 15 years. I will be going elsewhere. Firstly they seemingly have no loyalty to longtime members, phone wait times are very long, loan officers seem cold and uncaring, check depositing issues online, and they are dishonest with fees. I was proud to have ACU be my first checking account. Now, I will be happy to have lived and learned. Moreover, they were taking money out of my account monthly for a "lifestyle" checking account without asking my permission. Which is illegal, last I checked! They have a different checking option which is what I signed up for years ago.
Annie Hughes
Nov 22, 2021
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Lady was rude to me. I am mentally disabled, and I don't look like everyone else. I'll be honest, I look "weird" by Alabama standardsI felt they were rude when asking if I could open an account. But those of us who deviate from the norm should not be discriminated against.
David Trotter
Nov 15, 2021
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I had just called to make a late payment on my truck, called the collections department to make the payment. I was never on hold, a lovely woman named Crystal answered the call. Very nice very easy to talk to, processed my payment, and wished me a happy birthday. Great customer service
R. B. The Reverend Langston
Sep 15, 2021
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I call all the time and push the buttons according to the vm message I get but the call ends up in a dialogue loop. No matter what buttons I push, their vm just repeats itself over and over and over again.
