Starting from its benefits to features, ASECU is a place one can look up to for giving all your banking expectations a whole new dimension. The following description in detail shall set forth reasons as to why ASECU is rated as a good partner in monetary matters.
### 1. Member-centric approach
Not-For-Profit Status: ASECU is a not-for-profit, and it primarily serves the needs of its members, without the requirement to maximize shareholder value. Keeping that in perspective, it is most probable this will provide the members with higher rates, lower fees, and even closer personal service at times.
Exclusively, ASECU becomes a member just like all credit unions of selected groups it serves, such as State Employees and their family, whereby special and particular financial needs are catered for.
– Savings Accounts: Competitive interest rates provided with several savings accounts available, including high-yielding options; watch your money grow a little faster.
– **Competitively Priced Loan Rates**: Obtain attractive auto loans, personal loans, mortgages, and much more that could save you a bundle in interest payments over time.
### **3. Low Fees**
– **Low or No Monthly Maintenance Fees**: Most accounts have very minimal or no monthly maintenance fees for lots of accounts.
– No Fee Transactions: Stay free on many transaction types, including accounts at one of the most extensive ATM networks in the nation
Full Service Financial Services
Checking Accounts: ASECU provides different types of checking accounts, such as no-fee checking accounts, overdraft protection accounts, and online banking accounts.
Savings Accounts: High return savings accounts, including money market accounts, to meet the various goals and priorities of members in their financial activities.
Certificates of Deposit: Fixed returns, fixed terms; a full-range that is best fitting and meeting your goals and aspirations.
**5. Loans and Credit**
– **Personal Loans**: Whatever the need may be, debt consolidation, home improvement, or whatever life may spring up on you, we have unsecured loans at competitive rates, with terms to fit your needs.
Auto Loans: New and used vehicles, with competitive rates and terms that fit your budget. Home Loans and Mortgages: Fixed and adjustable-rate mortgages and refinancing, all here. Home Equity Lines of Credit: Major expenses, or home improvements accommodated; access to money related to the equity in your home. Credit Cards: Offerings include types of credit cards for rewards, cashback, and low-interest cards.
6. Digital and Mobile Banking
-**E-Commerce Banking**: E-commerce-enabled online banking environment, whereby the customers will be empowered to manage their accounts, pay their bills, transfer funds, and track their transaction with maximum security.
Mobile Banking: Within our mobile application, mobile phone banking provides deposit checks, transfer between accounts as well as sending from accounts, and bill payment using the mobile application.
Mobile Deposit Capture: Deposit checks from the convenience of your couch or wherever with your smartphone or tablet. This allows you to enjoy so much more convenience and saves you from having to visit a branch.
### 7. Financial Education and Resources
– **Educational Workshops**: Seminars and workshops on budgeting, stock investment, or retirement planning as a way to improve financial literacy.
e-Tools: Financial calculators, online budgeting, and much more to make financial planning and decision-making in life easier and less time-consuming.
### 8. Business Banking Services
Business Accounts: The facility to open business checking and savings accounts with features that suit the needs of the small to medium-size business owner.
### 9. Business Loans
– **Business Loans**: Facilities for business financing by way of lines of credit, equipment loans and all other loans related to business.
### 9. Insurance &Protection*
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Auto and Home Insurance: You can be rest-assured to get the best of the auto and home insurance by working alongside top-rated insurance providers.
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Life Insurance: You can buy term and whole life insurance in several variants, as you may need to protect your family from any eventuality.
### 10. Customer Service
– **Personalized Service**: You shall be rendered service at a personal level, whereby well-trained staff are really committed to understanding the uniqueness of your financial needs and finding relevant solutions for you.
– **Responsive Service:** Customer Care is contactable through various contact points in order to ensure timely solutions to problems and questions.
### **11. Community Involvement**
– **Local Focus**: ASECU has very active community involvement through donations and events.
– **Community Participation**: To sponsor or participate in events/activities in your community through ASECU.
### **12. Safety and Confidence
– **Ultimate Security Protection**: ASECU has implemented high-intensity security measures to protect against fraud and unauthorized access to any of your personal or financial data.
– **Trusted Institution:** Stable and serving customers, ASECU is that trusted ally on whom you can always rely to handle your finances.
### 13. Benefits
Special Programs: Special programs or benefits designed for membership in ASECU would include special loan programs, financial wellness programs etc., for employees of the state.
ASECU offers competitive rates, low fees, and a host of other financial products and services to its members. Natural commitments toward personalized service, financial education, and community involvement make ASECU the perfect choice to manage your financial life.