North Alabama Educators Credit Union is committed to bringing quality services to members of the credit union. Members are Priority #1 and everything we do is designed to enhance member service and provide genuine value.
Services offered to members of North Alabama Educators Credit Union have adapted over the years to respond to the financial needs of our members. Our list of services will continue to evolve as new services and products become available. New services are added when it is determined that a sufficient number of members will benefit from the additional service and the cost is reasonable to credit union operations.
The following is a list of current services available to members of North Alabama Educators Credit Union:
- ATM ACCESS
- North Alabama Educators Credit Union maintains ATM's at our main office location, Sparkman branch office, Athens branch office, and inside the MoJo's Convenience Store next to the Calhoun Community College main campus. Members can access their account(s) at any ATM which displays a STAR logo. Surcharge Free ATM withdrawals are available at ATM's displaying the CO-OP ATM Network. Debit Card holders can also utilize any ATM's that have a Mastercard logo. Debit Card members can also obtain "cash-back" at merchant Point of Sale terminals that offer the "cash-back" option in addition to the cost of items being purchased.
- CHECK CARDS
- These debit cards look like a credit card but deduct purchases and ATM transactions from the checking account. They are accepted anywhere that accepts MasterCard. The Check Card provides worldwide access for member purchases and cash withdrawals. Visit the "News and Tips" page for some of the other advantages of a Check Card.
- MEMBERLINK AUDIO RESPONSE SERVICE
- This free service provides 24 hour member access to account information, general credit union information, and financial transactions within the credit union. MemberLink can be accessed by calling toll-free 1-800-945-8815.
- CU-ONLINE HOME BANKING
- Account access is available through the internet on our secure site utilizing the latest security features. Please visit the "E-Services" page for details.
- DIRECT DEPOSIT AND PAYROLL DEDUCTION
- Members can have all or a portion of their paycheck deposited automatically to the credit union. Members can preauthorize multiple distributions once the deposit is received. This is a great method for loan payments, savings plans, and avoiding deposit lines on payday.
- OVERDRAFT PROTECTION
- Our Share Draft account also offers qualified members Overdraft Protection. Members may be eligible for an Overdraft Protection Loan that will advance loan amounts to the checking account. Members do need to contact a Loan Officer to apply for an Overdraft Protection Loan.
- GOLD PLUS CLUB
- Members age 55 and over can receive special benefits and services as a Gold Plus Member. These benefits include discounted annual rent on Safe Deposit Boxes (see savings below); no charge for money orders, cashiers checks, and free Gold Plus checks for those members who have direct deposit with the credit union.
- My First Nest Egg Youth Account
- Youth accounts, ages 0-18, help kids and teens learn the basics of budgeting, saving, and goal setting in a safe, supportive environment. Whether they're saving for a new bike, college, or their very first big purchase, this account grows with them every step of the way. Children and teens will need a parent or guardian as a joint owner. This account also features a FREE app that helps kids build strong financial habits through chores, allowances, and fun financial education.
- SAFE DEPOSIT BOXES
- MAIN OFFICE LOCATION ONLY. Protects valuables and important documents in a secure location. Available sizes and annual rent cost are as follows:
Size Cost Cost for Gold Plus Members 3x5 $25 $22.50 3x10 $45 $40.50 5x10 $65 $58.50 10x10 $105 $94.50
OTHER SERVICES INCLUDE:
- Money Orders
- VISA Gift Cards
- Cashier’s Checks
- Check Cashing Services
- Notary Service
- Night Depository at all offices
- Credit Life & Disability Insurance on Loans
- Accidental Death and Dismemberment Insurance
- Wire Transfer Services
- Loan and Financial Counseling