Business Details
50+ Years
experience
Your Trusted Financial Partner in Huntsville, AL
North Alabama Educators Credit Union has served the financial needs of the educational community since 1955. Founded in Huntsville, Alabama, we have expanded to include branches in Athens and Madison while maintaining access to over 5,000 shared branches nationwide. With more than $127 million in assets and 11,000 members, we operate under the philosophy of 'Not for Profit, Not for Charity, But for Service.' As a member-owned institution, we prioritize competitive loan rates, higher savings returns, and reduced fees. Our commitment to innovation includes 30-year mortgage options and digital banking tools. We maintain federal insurance up to $250,000 through the NCUA, ensuring security for all account holders. 
Services
Auto Loans
Mortgage Loans
Savings Accounts
Credit Cards
Financial Counseling
Details
- Year established: 1955
Highlights and features
- We've served educators and communities for over 65 years with localized expertise
- Member-owners receive exclusive benefits like reduced fees and competitive rates
- Access 5,000+ shared branches nationwide through our CO-OP network
- Offering 30-year mortgage options with minimal down payment requirements
- Maintaining an A+ rating with the Better Business Bureau since 1985
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Great loan rates
Friendly staff
Easy online banking
Quick service
Community focus
Services
ATM ACCESS
Access your accounts at STAR logo ATMs with surcharge-free withdrawals through the CO-OP ATM Network. Debit card holders can use Mastercard ATMs globally and receive cash-back at participating merchants. Our locations include drive-up ATMs at all branch offices.
Check Cards
Use Mastercard-branded debit cards for worldwide purchases and ATM withdrawals. Cards offer zero liability protection and can be managed through our mobile app. Access cash-back options at point-of-sale terminals and enjoy purchase tracking features.
MemberLink Audio Response
24/7 automated access to account balances, transaction history, and credit union information. Available toll-free at 1-800-945-8815, this service provides loan payment reminders, check clearance status, and branch location details without visiting a physical office.
CU-Online Home Banking
Secure online platform for account management, bill payments, and loan applications. Features include eStatements, account alerts, and mobile check deposit. Available 24/7 with multi-factor authentication to protect member information and financial transactions.
Overdraft Protection
Qualify for automatic transfers from savings or a linked loan to cover overdrafts. For $2.50 per transfer, this service prevents declined transactions and maintains financial continuity. Applications require consultation with a loan officer for eligibility assessment.
Questions
What are the membership requirements?
Membership is open to educators, school employees, and residents in Madison, Limestone, and Morgan counties. Immediate family members of current members also qualify.
Do you offer mortgage loans?
Yes, we provide 30-year FHA, VA, USDA, and conventional mortgage loans with minimal down payment options. Contact our loan department for pre-approval details.
How can I access my accounts after hours?
Use our 24/7 MemberLink phone system at 1-800-945-8815 or CU-Online Home Banking for account access, bill payments, and transaction monitoring.
Are there fees for using ATMs?
Surcharge-free withdrawals are available at CO-OP Network ATMs. Non-network ATM owners may charge fees for transactions outside our network.
What financial counseling services are available?
We partner with GreenPath Financial Counseling to provide free budgeting assistance, debt management, and credit education resources to members.
How do I report a lost debit card?
Call our 24/7 lost card line at 1-866-960-2344 to report lost or stolen cards. Replacement cards can be ordered through our mobile app or branch offices.
Videos
