Alabama Teachers Credit Union
Federally Insured by the NCUA About Us
We Are All Teachers! Who is Alabama Teachers Credit Union? We are your neighbors, your friends and your family.
We are T-ball coaches, shoelace tiers, car pool drivers…and your financial partner. We are also teachers. In fact, each one of us is a teacher in his or her own way. And while we may not be in a conventional classroom setting, we all teach, learn and share everyday life moments--whether it is with family, friends or co-workers. We are all teachers, with life lessons to share, and opportunities to
08/09/2024
We Are Hiring!
Relationship Manager
Qualified candidates, please apply at ➡
https://loom.ly/V5x-f8Y
08/08/2024
We were so grateful to be invited to Gadsden City High School's New Employee Orientation! Wishing a great school year to all the students and teachers! ❤️
08/06/2024
Our Fort Payne branch recently sponsored the Marked for Life Ministries Backpack Blessings Program! They were able to provide enough supplies to fill 50 backpacks! Our ATCU team has a heart for service, and knows that everything is more fun when we ❤️
08/01/2024
Recently, a few ATCU ladies had the opportunity to attend the Advancing Women to the Top Conference hosted by the Etowah Chamber and the Calhoun Chamber. They heard from speakers on building their personal brand, owning their originality, and more! They also got to spend the day networking, enjoying local food, and had the opportunity to !! Thank you to everyone who worked on putting together such a great event! ❤️
07/29/2024
From Sea to shining Sea! 🌊
Needing a little R&R? We've got you covered. Our limited time Vacation Loan features:
⛵Rates as low as 7.75% APR*
⛵Up to 12 months financing
⛵45-day payment deferral option
Apply today, leave tomorrow! Offer won't last long ⌛
Apply Now➡https://loom.ly/hIYYs0Q
Disclosures➡ https://loom.ly/8JxstqM
07/25/2024
Tap into convenience! 💃
View and enroll in eStatements on the ATCU app! Enjoy this streamlined solution to your monthly or quarterly statement. PLUS➕ Receive instant access to your past account statements.
To enroll on mobile:
➡️ Log in to account an click "More" in bottom righthand corner
➡️ Click on dropdown labeled "Accounts"
➡️ Click "Statements"
➡️ Click "Settings" in top righhand corner to see list of available statements
➡️ Opt in to recieve eStatements and agree to Terms and Conditions
❗ The same steps can be followed to opt-in to eStatements for ATCU credit cards.
Learn more: https://loom.ly/jbLYG5k
07/23/2024
❕As you have already heard, in October 2024, Alabama Teachers will become Emblem Credit Union. We are very excited about this transition, but we want to ensure that our membership is up-to-date and well-prepared for any changes that may arise.
Here are a few key details we want you to keep in mind:
✨ Contact Information: To ensure you continue receiving important updates, please take a moment to verify that your contact information is up to date with us. If you need to update an address, phone number, or email, now is a great time to do so! Just give us a call or visit your local branch.
✨ Smooth Transition: Our dedicated team is working diligently to ensure a seamless transition, minimizing any disruptions to your banking experience. We will be sure to communicate any important information to you regarding your financial products and services as we learn more.
✨ New Look: As you complete transactions or engage with our staff, you may begin seeing our new name, logo, and refreshed brand elements. Don’t worry! We have not been bought or sold. We are still the same institution that you have grown to know and value.
Your support has been instrumental through this process, and we are grateful for your continued trust. Should you have any questions or wish to learn more about the exciting changes ahead, please don’t hesitate to reach out to us.
Thank you once again for being a valued member of our credit union. Together, we are growing brighter! ✨
➡️Learn more: https://www.atcu.com/NameChange/growing-to-serve-you.html
07/15/2024
Treat yourself to Summer Skip-A-Pay! Defer your June or July payment(s) this summer! 🍦🍧
📝Visit below for additional details and form: https://loom.ly/vzZpsU8
07/11/2024
We believe we make the biggest impact when we !
Recently, a few members of our team volunteered at the Family Care Center in Centre, a nonprofit organization that serves as the food bank for Cherokee County. They distribute canned goods and nonperishable items to those facing food insecurity. The Family Care Center also provides clothing, personal hygiene items, and cleaning products. They are a big part of Cherokee County and serve many people! We appreciate all that the Family Care Center does for the Cherokee County area and were glad to be able to assist them!
07/03/2024
Hard work pays off!
Congratulations to Gadsden Branch Manager, Collene Wester, on graduating from the Southeast CUNA Management School! This 3-year program focuses on coursework that helps credit union leaders develop their operational, managerial and leadership abilities.
We are so proud of Collene for her effort and initiative. We understand that it was no easy task, and we look forward to seeing her hard work shine through at ATCU! Congratulations, Collene!
07/03/2024
Let Freedom Ring! 🔔
Special auto loan financing just in time for Independence Day!
Now through July 24th, save money with an auto loan as low as 5.75% APR* when you finance with us!
Learn More ➡️ https://loom.ly/vHkYagc
*APR=Annual Percentage Rate. Must meet membership and credit requirements to obtain loan. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Offer begins Wednesday, July 3, 2024 and ends Wednesday, July 24, 2024. Programs, rates, terms, and conditions subject to change without notice. Offer is not applicable to existing ATCU loans. Term of up to 84 months for year models 2020-2024. Term of up to 66 months for year models 2016-2019. Estimated monthly repayment amount of $14.49 per $1,000.00 borrowed for an 84 month term. Estimated monthly repayment amount of $17.71 per $1,000.00 borrowed for an 66 month term. Borrower(s) may elect to defer the first payment due date up to 45 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. For more information, see an ATCU loan officer. This promotion cannot be combined with other offers. Insured by NCUA. ATCU NMLS # 402558.
Alabama Teachers Credit Union | Gadsden, Anniston, Oxford, Albertville - AL Alabama Teachers Credit Union is a community credit union dedicated to providing quality financial services and long-term personal relationships. Serving Gadsden, Anniston, Oxford, Albertville, and surrounding areas of Alabama.
07/01/2024
Let Freedom Ring- COMING SOON!🚗
Special auto loan financing just in time for Independence Day! ✨
Starting July 3, 2024 through July 24, 2024 save money with an auto loan as low as 5.75% APR* when you finance with ATCU!
*APR=Annual Percentage Rate. Must meet membership and credit requirements to obtain loan. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Offer begins Wednesday, July 3, 2024 and ends Wednesday, July 24, 2024. Programs, rates, terms, and conditions subject to change without notice. Offer is not applicable to existing ATCU loans. Term of up to 84 months for year models 2020-2024. Term of up to 66 months for year models 2016-2019. Estimated monthly repayment amount of $14.49 per $1,000.00 borrowed for an 84 month term. Estimated monthly repayment amount of $17.71 per $1,000.00 borrowed for an 66 month term. Borrower(s) may elect to defer the first payment due date up to 45 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. For more information, see an ATCU loan officer. This promotion cannot be combined with other offers. Insured by NCUA. ATCU NMLS # 402558.
07/01/2024
From Sea to shining Sea! 🌊
Needing a little R&R? We've got you covered. Our limited time Vacation Loan features:
⛵Rates as low as 7.75% APR*
⛵Up to 12 months financing
⛵45-day payment deferral option
Apply today, leave tomorrow! Offer won't last long ⌛
Apply Now➡https://www.atcu.com/apply-for-a-personal-loan-or-line-of-credit.html
Disclosures➡https://www.atcu.com/loans-credit/personal-loans/personal-term-loans.html -Sea-to-Shining-Sea-Vacation-Loan-Promotion
06/28/2024
🍎We believe hard work should pay off!
🍎Youth Club Members: Earn 💵 💵 💵 for good grades.
Students receive $10 per report card, per term. Spring semester deadline is June 30, 2024!
For more information on our 2023-2024 Honor Roll Rewards Program and youth clubs follow the link below:
https://loom.ly/Hvv2Sao
06/24/2024
From Sea to shining Sea! 🌊
Needing a little R&R? We've got you covered. Our limited time Vacation Loan features:
⛵Rates as low as 7.75% APR*
⛵Up to 12 months financing
⛵45-day payment deferral option
Apply today, leave tomorrow! Offer won't last long ⌛
Apply Now➡https://www.atcu.com/apply-for-a-personal-loan-or-line-of-credit.html
Disclosures➡ https://www.atcu.com/loans-credit/personal-loans/personal-term-loans.html -Sea-to-Shining-Sea-Vacation-Loan-Promotion
06/20/2024
nHance Your Wallet!
Our nHanced Checking accounts feature:
💸 High Dividends
💸 Refunds on ATM Withdrawal Fees*
💸 No Monthly Maintenance Fees
💸 No Minimum Balance Requirements
Visit our website to find out which ATCU account is best for you ➡️
Compare Our Checking Accounts | Alabama Teachers Credit Union | Gadsden, Anniston, Oxford, Albertville - AL Additional fees may be incurred for the following items: check orders, Overdraft Privilege fees, Returned Item fees, Insufficient Funds fees, Transfer fee, Statement Copy fees (other fees may apply). Imposition of these fees may result in reduced earnings on your account.
06/20/2024
We will be closed Thursday, July 4th, in observance of Independence Day*.
To access your account:
📱 Use Mobile Banking and Mobile Check Deposit.
💻 Visit Online Banking at atcu.com.
📞 Call iTalk Telephone Banking System at 1.800.910.4808.
📲 To download our apps and learn more about digital services available to you visit the link below: https://loom.ly/IEtMjMU
*Federal Reserve Bank Closed
06/17/2024
💡ATCU Business Spotlight💡
Smith's Pool Supplies is a proud business member of ATCU. Adam and Tina Smith have over 25 years of experience in pool services. They strive to provide their customers with affordable product options while educating them on their pool's water chemistry. They share educational information and any specials on their page.
➡️Learn more about Smith's Pool Supplies by visiting their Facebook: https://www.facebook.com/Smithspoolsupplies/
➡️To discover how ATCU Business Services can help your business succeed financially, visit us online at https://www.atcu.com/business/business-services-overview.html
06/14/2024
COMING SOON - From Sea to shining Sea! 🌊
Needing a little R&R? We've got you covered. Our limited time Vacation Loan will feature:
⛵Rates as low as 7.75% APR*
⛵Up to 12 months financing
⛵45-day payment deferral option
Don't Miss Out! Offer begins Monday!
*APR=Annual Percentage Rate. Must meet membership and credit requirements. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Offer begins Monday, June 17, 2024 and ends July 31, 2024. $5,000.00 Maximum Loan Amount Approved amount must be within policy limit for credit tier. Estimated monthly repayment amount of $86.87 per $1,000.00 borrowed for a 12 month term. Borrower(s) may elect to defer the first payment due date up to 45 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. Programs, rates, terms, and conditions subject to change without notice. This promotion cannot be combined with other offers. For more information, see an ATCU loan officer. Insured by NCUA. ATCU NMLS # 402558
06/06/2024
🎓
ATCU is proud to recognize 2024 Synced Seniors Scholarship Recipient, Shawn Guffey!
🎓
Shawn is graduating from Ider High School. He is a dual enrollment student who is enrolled at Northeast Alabama Community College. This fall, he intends to continue his education by pursuing his Bachelor’s Degree. During his undergraduate studies, he will major in general business and minor in history. After graduation, he plans to attend Law School at the University of Alabama.
Congrats, Shawn, and Roll Tide!
Click here to claim your Sponsored Listing.
Our Story
About Us
We Are All Teachers
Who is Alabama Teachers Credit Union? We are your neighbors, your friends and your family. We are T-ball coaches, shoelace tiers, car pool drivers…and your financial partner. We are also teachers. In fact, each one of us is a teacher in his or her own way. And while we may not be in a conventional classroom setting, we all teach, learn and share everyday life moments--whether it is with family, friends or co-workers. We are all teachers, with life lessons to share, and opportunities to learn.
Our History
Alabama Teachers Credit Union was organized in March 1959 with just two employees, and was located on the second floor of the Gadsden City Board of Education Building. Previously known as Etowah Teachers Credit Union, our original Select Employee Group (SEG) was only open to employees and family members of the Gadsden City and Etowah County School Systems.
In 1982, the credit union moved to a new location on 6th Street in downtown Gadsden. Six years later, in August 1989, the credit union received approval from the Alabama Credit Union Administration (ACUA) and the National Credit Union Administration (NCUA) to convert from a federal charter to a state charter, which allowed the credit union to change its name from Etowah Teachers to Alabama Teachers Credit Union. In July 2001, Alabama Teachers received further permission from the ACUA to expand its membership to include anyone residing, working, or attending school in the five counties we serve: Calhoun, Cherokee, DeKalb, Etowah, and Marshall.
Today
To embrace our field of membership and our strong name simultaneously, we recognized that teachers weren't just limited to educating in the traditional classroom setting, but that the act itself applied to each one of us. Therefore, in July of 2012, Alabama Teachers Credit Union introduced a new brand and image--we are all teachers--because we believe in being a student of life.
It is by our brand that we celebrate every teaching moment in life and we understand that by learning together, we enhance not only ourselves, but also each other. The enthusiasm of our credit union, members, and community has led to a continued strengthening of our membership numbers, assets, and overall financial stability.
Our Values
Alabama Teachers is a not-for-profit financial institution that provides safe, affordable and convenient financial services to its members. Because we are a cooperative, all our members are part owners of the credit union and have the right to democratically elect the Board of Directors, a group of volunteers who helps guide the credit union's progress. The Board of Directors sets policy and ensures the highest standard of financial services to our members.
Alabama Teachers highly values its members and is committed to providing them with competitive rates and terms, excellent member service, resourceful financial tools, and the opportunity to learn from one another. These principles play an integral part in the mission statement of Alabama Teachers.
Our Mission Statement
Alabama Teachers is a family of caring individuals dedicated to strengthening lives through financial partnerships. It is this firm commitment that allows us to embrace the teaching moments of life, because through them we can all learn together.
The Credit Union Difference
While services from a credit union such as Alabama Teachers may appear nearly the same as a bank, the structure and philosophy are very different.
Not-for-profit--Like all credit unions, Alabama Teachers is a not-for-profit financial cooperative. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.
Taxation--Credit unions pay taxes: payroll taxes, sales taxes, and property taxes. But Congress exempts credit unions from federal income taxes. According to the Credit Union Membership Access Act, "… credit unions are member-owned, democratically operated, not-for-profit organizations generally managed by volunteer boards of directors and they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means."
Ownership--Each member has equal ownership and one vote--regardless of how much money a member has on deposit.
Volunteer Boards--Alabama Teachers is governed by a board of directors, elected by and from the credit union's membership and serve voluntarily.
Membership Eligibility--By current federal statute, credit unions such as Alabama Teachers cannot serve the general public. People qualify for a credit union membership through their employer, organizational affiliations like churches or social groups, or a community-chartered credit union.
Financial Education for Members--Alabama Teachers is dedicated to helping members become better-educated consumers of financial services.
Social Purpose: People Helping People--Credit unions exist to help people, not make a profit. Alabama Teachers' goal is to serve its members, neighbors, and communities to further enrich their financial health and overall well-being. As a member, we welcome the opportunity to help you with your everyday life goals as we all learn together.
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Website
Address
702 Walnut Street
Gadsden, AL
35901
Opening Hours
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 1pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
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