Eligibility open to Sponsor Schools, PTA Members, Students, and other Sponsor Groups. CLICK HERE for details.


North Alabama Educators Credit Union was established in 1955 to serve employees of the local educational community. Office operations began in Huntsville, Alabama and have expanded over the years to include a branch location in Athens. The credit union now serves over 10,200 members and has accumulated over $89,000,000 in total assets.

North Alabama Educators Credit Union follows the philosophy of "Not for Profit, not for Charity, but for Service". The credit union exists for the sole purpose of serving the financial needs of our membership. Account holders at North Alabama Educators Credit Union are referred to as "members" because they actually own a share of the credit union. The members own the credit union and receive value through lower loan rates, higher savings rates, and reduced service fees.


For eligible members, a $5.00 share deposit in our regular shares is all that is required for credit union membership. There is no initial fee for joining the credit union. There are no ongoing fees to remain a member.

Eligibility for North Alabama Educators Credit Union is available through a variety of methods. The following is a list of groups eligible for membership in North Alabama Educators Credit Union; (Employees unless otherwise stated)

All members of Parent-Teacher Organizations (PTA, PTO, PTSA) of schools located within the counties of Madison or Limestone, or within the City of Decatur, Alabama. (Sign-up forms are available at all offices).

All Students of public or private schools located in the counties of Madison, Morgan, or Limestone.

All Private Schools in Madison, Morgan, or Limestone Counties. (This includes all day cares, nursery, pre-school, kindergartens, church schools, and private colleges).

  • Athens Bible School
  • Athens City Schools
  • Athens State University (Employees & Students)
  • Calhoun Community College (Employees & Students)
  • Child Development Center
  • City of Athens
  • Decatur City Schools
  • Family Heritage (Insurance)
  • Faulkner University
  • Federal-Mogul
  • Grace Lutheran School
  • Highland Christian Academy
  • Huntsville City Board of Education
  • Huntsville City Schools
  • Huntsville Rehabilitation Center
  • J.F. Drake Technical College
  • Limestone County Board of Education
  • Limestone County Schools
  • Madison Academy
  • Madison City Schools
  • Madison County Board of Education
  • Madison County Schools
  • Mallory / Aero-M
  • North Alabama Skills Center
  • NTA, Inc.
  • Randolph School
  • T & C Stamping
  • Technology Plus of Alabama
  • Tennessee Valley Rehabilitation Center
  • Virginia College of Huntsville (Hsv. & B'ham Employees & Students)
  • WBHP Radio
  • WDRM Radio
  • Westminster Christian School

Retired Teachers living in Madison, Morgan, or Limestone Counties.

Relatives of existing members are also eligible for membership.

If you are an employer and would like to offer the benefit of credit union membership for your employees, please contact Selina Billions at 256-534-2423.

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Monday, January 1st - New Year's Day

Monday, January 15th - Martin Luther King Jr. Day

Monday, February 19th - President's Day

Monday, May 28th - Memorial Day

Wednesday, July 4th - Independence Day

Monday, September 3rd - Labor Day

Monday, October 8th - Columbus Day

Monday, November 12th - Veteran's Day

Thursday, November 22nd - Thanksgiving

Friday, November 23th - Thanksgiving

Monday, December 24th - Christmas

Tuesday, December 25th – Christmas

Monday, December 31st – ½ Day – New Year’s Eve

Tuesday, January 1st (2019) – New Year’s Day


Routing Number for North Alabama Educators Credit Union is #262275783.

MemberLink Audio Response: 1-800-945-8815

Debit Card Lost or Stolen: Monday-Friday: 8:00 AM-5:00 PM 1-800-547-8172
Nights and Weekends: 1-800-528-2273 International: 1-812-647-9794
For responding to a call or text on suspected fraud on your MasterCard Debit Card, please call 1-800-889-5280.

Debit Card Chargeback Center: 1-800-808-6402

(For Disputed Debit Transactions)

Need to provide Proof of Insurance on a Collateral Loan (other than real estate)? You can submit information online at http://www.mycoverageonline.com/ or Proof of Insurance can be faxed to 256-533-3575.