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Hours of Operation
Monday thru Friday
7:45 a.m. - 4:15 p.m.
Lobby Hours
7:45 a.m. - 4:15 p.m.

340 TechnaCenter Drive
Montgomery. AL 36117

Mailing Address:
PO Box 240547
Montgomery, AL 36124

Phone: (334) 215-7328
Toll Free: (800) 381-7328
Fax: (334) 215-7946
Products and Services

Chances are, you won't need to use all of our services right now...but they're here when you need them!

• Share (savings) accounts

• Share draft accounts

• VISA credit cards

• Christmas club

• IRAs

• Car loans -- new and used

• Payroll deduction

• Direct deposit

• CDs


• Home appliance and furniture

• Vacation club accounts

• Revolving personal loans

• Farm equipment loans

• SuperSaver accounts

• Monthly IRA disbursements to

• VISA/ATM Debit Card (Fastrike)

• 24-hour Audio Response (Powerline

• Home equity loans

• Unimproved property loans

• Holiday Loans

• Computer Loans

• Home Banking

Alabama Rural Electric Credit Union makes available MEMBERS® Auto Insurance Program.
Click here for a FREE rate quote.

Now your credit union makes ordering checks even easier – order online. Just click on the link below.

It’s that easy!

You need it, we've got it! The right loan for you, at rates that make borrowing a pleasure. Payroll deduction makes payments easy, too. Choose from these loans:

New Car* - We finance up to 100% of the selling price for up to 84 months.

Used Car* - Terms and rates vary on used-car financing. Contact your co-op representative.

Other Vehicle* - We finance boats, motorcycles, farm equipment, surf and turf, and rvs. Ask your co-op representative.

Signature Loans - An open-end loan up to $7500 based on your credit history, income and current obligations, not secured by collateral. Monthly payments vary according to amount borrowed.

Other - Consumer loans for purchases like furniture, appliances and computers...come see us. Our rates are competitively low and you'll find terms you can live with.

VISA Credit Card - Competitive fixed rate with ScoreCard bonus program (this is a cashback bonus system).

Real Estate* - Alabama Rural Electric Credit Union has developed a comprehensive Home Equity Loan program to help you get the most for your money. Apply online by clicking the link below.

*These loans require insurance protection.

Saving is one of the original goals of credit unions. We encourage savings by giving greater returns on investments. Consider direct deposit to make saving easier. Call the credit union or click here for current rates and details.

Share Accounts - (Savings) Your savings deposits are considered shares in the credit union. Therefore, you are a shareholder -- part owner of the credit union. You earn dividends on shares (due to the not-for-profit nature of the credit union). And your shares earn higher rates of return than they could at most financial institutions. Call the credit union or click here for current rates and details.

IRAs - Individual Retirement Accounts provide a way to save on taxes now, and save money for later. Each account is insured to $250,000 by the NCUA, so you're assured of its safety...and our rates are extremely competitive. Call the credit union or click here for current rates and details.

CDs - Earn competitive rates on certificates of deposit. We offer maturities from 6 to 30 months. Take advantage of great rates on amounts as low as $1,000. We also pay a premium rate on Jumbo CDs of $50,000. Call the credit union or click here for current rates and details.

Other -

• SuperSaver accounts

• Christmas Clubs

• Vacation Clubs

Call the credit union or click here for current rates and details.

We call this a share draft account rather than checking because it's better than checking and because we're a credit union. Take a look at why we're better:

• No monthly service charges.

• No per-check charges.

• No cancelled checks to keep up with, because you have a duplicate each time you write a share draft.

• Monthly statements show your current status.

• Make easy deposits through payroll deduction.

• Make deposits through direct deposit (government checks for instance).

• You can stop payment for a modest fee.

So, choose share drafts...they pay!

Fastrike, our ATM and Debit Card, is a popular, does-it-all card that works as an ATM and a debit card.

Use the Fastrike card at any ATM at any Pulse, Co-Op Financial, or CIRRUS Network to ...

• Withdraw cash from savings or checking;

• Check saving or checking account balances;

• Transfer funds between savings and checking.

Fastrike is also a debit card - often called a "check card" because you can use it to deduct purchases from your checking account. It works like a check, only faster. Simply swipe your Fastrike card through the point-of-sale device at any merchant where VISA is accepted. Your purchase amount will be instantaneously deducted from your account, and you'll be given a receipt to assist you in balancing your checkbook.

Fastrike is quicker, easier and safer than writing a check ... and one card lets you get cash or make purchases.

Fastrike is designed to give you the extra convenience your busy lifestyle needs. Apply for your Fastrike ATM/Debit Card by calling us or stopping by for an application. You may also E-Mail us to request an application.

For a lost or stolen Fastrike debit card, please call 1-888-241-2510.

Phone: (334) 215-7328 | Toll Free: (800) 381-7328 | Fax: (334) 215-7946
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency
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