North Alabama Educators Credit Union

Then, Now, and Always - Here for You

HOME

CU-ONLINE

CU-ONLINE SECURITY

RATES

SAVINGS RATES

LOAN RATES

MAPS

ABOUT US

BRANCHES & HOURS

CU SERVICE CENTERS

PRESIDENT'S CORNER

BREAST CANCER AWARENESS

HOLIDAY SCHEDULE

FEE SCHEDULE

PRIVACY NOTICE

ADDRESS CHANGE

LOANS

LOAN APPLICATION

EASY EQUITY MORTGAGE

FIRST MORTGAGE

CU MEMBERS MORTGAGE

LOAN CALCULATOR

SAVINGS

SERVICES

MEMBERS FINANCIAL NETWORK

AUTO & HOMEOWNERS INS.

WEB LINKS

NEWS AND TIPS

SCHOLARSHIP

REPOSSESSIONS

PHISHING

EMPLOYMENT

Please remember that the tabs above navigate this web site. The tabs themselves are pages as well.


Credit Union News and Financial Tips

Document
Click for our 2010 Spring Newsletter
CLICK for the NAECU Blog - News & Commentary
NAECU is on Facebook! Click for our Facebook page.

News and Promotions:

DISCOUNTED THEME PARK TICKETS FOR SALE: Members can purchase discounted theme park tickets to Six Flags over Georgia, White Water, and Alabama Adventure. Tickets can be purchased at any branch office of North Alabama Educators Credit Union. Avoid the ticket line at the park and buy your tickets in advance.

Ticket prices are as follows;

Six Flags over Georgia - One Day Ticket is $27.00
White Water - One Day Ticket is $27.00
Alabama Adventure - One Day Ticket is $23.00

(Same price for all - Adult, Child Senior Citizen). For larger orders, please call for availability.

Six Flags/White Water Online Sales: http://www.sixflags.com/overGeorgia/tickets/index.aspx (Use promo code "LSCU" for all Six Flags and White Water online ticket sales). Note: There is a $5 service charge per online transaction, not per ticket. Online One Day Tickets are $28.00 each.

Alabama Adventure Online Sales: https://websales.omniticket.com/ala/index.cfm?action=flex&tab=1 (Use promo code "creditunion" for Alabama Adventure online ticket sales). Note: There is a $3 service charge per online transaction, not ticket. Online One Day Tickets are $24.00 each. 

CO-OP SURCHARGE FREE ATM NETWORK IS NOW AVAILABLE! Members now have over 28,000 ATM's available nationwide for surcharge free ATM withdrawals. Locally, all Redstone Federal Credit Union ATM's and Publix Grocery Store ATM's are on the CO-OP Network. This means that NAECU members can perform a VISA Debit Card or ATM Card ATM withdrawal without a surcharge fee. Please note that there is a $0.50 fee for a balance inquiry at one of these ATM's, so please utilize our free Memberlink 24-hour audio response service or free home banking to monitor your available balance. To find a surcharge free ATM near you, please use the CO-OP ATM Network locator site to find a surcharge free ATM near you; http://www.co-opfs.org/public/locators/ATMlocator/index.cfm . There is also a method to find locations via your cell phone on this site.

Members are also reminded that using the "cash-back" feature at merchant point of sale terminals (at Grocery Stores and Retailers) can also provide cash without a fee.

The Madison Branch is Open for Business. The new Madison branch is located at 7559 Highway 72 West Suite 114, Madison Alabama 35758. (Located in Irwin Square behind the American Family Care center on Highway 72). If you driving west on Highway 72 towards Athens, Irwin Square is on your left. If you are driving east on Highway 72 towards Huntsville, Irwin Square is on your right. The telephone number for the Madison branch is 256-722-5046. The hours for this Madison office will be 8:30 AM - 5:00 PM Monday thru Friday, and 8:30 AM - 12:30 PM on Saturdays. Come by and visit our new office! There is also a map on our "MAPS TO OFFICES" page. 

PASSWORD RESETS FOR HOME BANKING USERS:

Home banking password resets can be performed by one of two methods; (1) Visit any branch office to request the reset, or (2) email a request using the email link on the CU-Online Home Banking Login page. In the email, please include your name, email address that we have on record for your home banking, telephone number, home address, and a request to reset your password. (All of these items will be listed in the contact us box after clicking the email link).

 

We cannot reset passwords over the telephone due to security concerns. The Credit Union is responsible for the safety and privacy of your funds. If your account is compromised and funds stolen, the Credit Union is responsible for that loss. Our objective is to protect your accounts and prevent unauthorized access. We thank you for your cooperation in these efforts.


FEDERAL INSURANCE BY THE NCUA: Deposits with North Alabama Educators Credit Union are federally insured to at least $250,000 per account holder by the National Credit Union Administration (NCUA), a U.S. Government Agency. Additional insurance coverage is provided for joint accounts. Individual Retirement Accounts (IRA's) are separately insured up to $250,000 by the NCUA. CLICK HERE for the NCUA Insurance Calculator and other information concerning this federal deposit insurance.

CORRECT INFORMATION ON ACCOUNTS: The Credit Union is required by federal law to have a correct "physical" address on all members of the credit union. Members can have a PO Box for their mailing address but a correct "physical" address on record is also required for the Credit Union. Please keep your contact information up to date with the Credit Union. Correct home and cell phone telephone numbers are also helpful in contacting members quickly if fraud or other suspicious account activity is present. Please note that changing your address with the Post Office is not sufficient as we cannot accept a forwarding address from the Post Office due to concerns of account takeovers utilizing a change of address from the Post Office. If you are moving to a new address, please provide the new address and any new contact information directly to the Credit Union.

If you are in one of our offices for a transaction, you may be asked to verify if contact information is correct on your account. This contact information is not used for telemarketing or any other purpose other than what has been stated above.


NEW OFFICE HOURS OFFER DRIVE THRU ACCESS UNTIL 6:00 PM ON FRIDAYS: Extended office hours for the Main Office, Sparkman Branch, and the Athens office provide additional member access on Fridays of each week. The hours are as follows;

Lobby Monday - Friday: 8:30 AM - 5:00 PM
(Drive Thru opens at 8:30 AM Monday-Thursday).
Drive Thru Open on Fridays: 8:00 AM - 6:00 PM

The Decatur Office is open Monday - Friday 9:00 AM to 5:00 PM, Closed for Lunch 1:15 PM to 1:45 PM. (This office is lobby access only). 

NEW ATM LOCATION NEAR CALHOUN COMMUNITY COLLEGE MAIN CAMPUS:
Members working or attending school at the main campus of Calhoun Community College near Decatur, Alabama have a new ATM location available for free access. A new ATM located in JoMo’s One Stop Texaco Station located next to the campus is now available for free access to members of North Alabama Educators Credit Union. This is considered an “on-us” ATM so no surcharge menu or internal ATM fees will apply to transactions performed using this particular ATM location. The convenience store is a popular destination for students and employees of the college. 

CU-ONLINE HOME BANKING AND I-PAY BILL PAYMENT SERVICES ARE FREE! 
Members have free access to our internet home banking product, CU-Online. Free check images of cleared checks and online storage of the past 12 months of account statements through e-statements are the highlights of CU-Online. CLICK HERE FOR THE CU-ONLINE PAGE FOR MORE INFORMATION. Our i-Pay Bill Payment product is available as an option in our CU-Online home banking product. No monthly fees will be charged for access to the i-Pay Bill Payment service. Visit the CU-Online page in this web site for additional information and a demo of the bill payment service. 


LEGAL NOTICE: We are an Equal Credit Opportunity Lender. Qualifications must be met on all loans. Rates and loan availability subject to change without notice. Your loan interest rate will be determined by your credit worthiness as well as other factors, such as the length of your loan. Savings are federally insured up to at least $250,000 by the NCUA.


Repossessions Available for Bid or Sale:

Click HERE for repossessions available. (Direct Page Link also available at the top of this page).

Financial Tips for Members:

VISA DEBIT CARDS NOT ADVISED FOR HOTEL OR AUTO RESERVATIONS:
For most members, it is NOT recommended that a VISA Debit Card be used for hotel and automobile reservations. The problem originates from the excess authorization holds that hotels and car rental companies place on the VISA Debit Card at the time of the initial reservation or check-in. Members who do not have an account balance well above the amount of the transaction may see transactions declined on other purchases because of the high authorization hold placed by the hotel or car rental company. Most hotel and car rental companies realize this potential problem and discourage the use of a VISA Debit Card for reservations. It is advisable to utilize a credit card for the initial reservation transaction. The VISA Debit Card should only be used upon final checkout of a hotel room or return of a rental vehicle.

BEWARE OF COUNTERFEIT CHECKS AND "PHISHING" SCAMS TO STEAL PERSONAL INFORMATION: Click HERE for our PHISHING page that provides information on counterfeit checks and tips to avoid becoming a victim of "phishing" and identity theft. (Page can also by accessed by the PHISHING tab at the top of this page).


KEEP DEBIT/CREDIT CARDS IN SIGHT AT MERCHANTS. Members are encouraged to keep their debit and credit cards in sight during merchant transactions. Small hand-held "skimmer" devices can be used to capture the card information which can then be used to produce a counterfeit card for fraudulent purposes. This type of activity has been more prevalent in restaurant and clubs where the card is taken to another area for card authorizations. This type of "skimming" fraud is growing nationwide. The fraudulent activity from the counterfeit card(s) can take place months or years later. If possible, please keep your cards within view during all merchant transactions.

DO NOT RELY ON CALLER ID FOR BUSINESS VERIFICATION:
Caller ID is not always correct. It is possible for someone to use calling features that would show a different calling number than the number actually being used.  This would allow a member to receive a call that shows "North Alabama Educators Credit Union" on the Caller ID but would actually be from someone else not associated with the credit union. Never give personal information over the telephone unless you have inititated the call and are sure that your are dealing with the financial institution. The Credit Union will never call a member and ask for personal information over the telephone.

 


North Alabama Educators Credit Union