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
Car loans -- new and used
COOP FLASHPAY (Bill Pay)
Home appliance and furniture
Vacation club accounts
Revolving personal loans
Farm equipment loans
Monthly IRA disbursements to
VISA/ATM Debit Card (Fastrike)
24-hour Audio Response (Powerline
Home equity loans
Unimproved property loans
Now your credit union makes ordering checks even easier order online. Just click on the link below.
Its 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 MSRP or purchase price, whichever is lower for up to 84 months.
Used Car* - We finance up to 100% of MSRP or purchase price if purchased from a car dealership or 100% of the NADA Clean Retail Value, up to 84 months.
Motocycles* - We finance new and used motorcycles 100% of average retail or purchase price, whichever is lower, up to 84 months.
Boats* - We finance new and used boats up to 100% of MSRP or purchase price, whichever is lower, for up to 84 months.
ATVs* - We finance new and used ATVs up to 100% MSRP or purchase price, whichever is lower, for up to 60 months.
RVs* - We finance new and used RVs up to 100% of MSRP or purchase price, whichever is lower, for up to 120 months.
Farm, Lawn and Garden Equipment* - We finance new and used farm, lawn and garden equipment up to 100% MSRP or purchase price, whichever is lower for up to 84 months.
Signature Loans - An open-end loan up to $25,000 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.
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.
GET CASH WITH YOUR FASTRIKE ATM 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.
MAKE PURCHASES WITH YOUR FASTRIKE DEBIT CARD
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.
APPLY FOR FASTRIKE TODAY
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.