No stored Google rating available.
ASE Credit Union is a member-owned financial cooperative established in 1954, offering checking, savings, loans, and mortgages to residents and employees in 8 Alabama counties surrounding Montgomery.
Data compiled from public sources
ASE Credit Union was established in 1954 as Alabama State Employees' Credit Union and has since evolved into a community-focused financial institution. Originally serving only state employees, ASE obtained a Community Charter that expanded membership to anyone who lives, works, worships, or attends school in the eight counties surrounding Montgomery, Alabama. The credit union operates seven physical branches across Montgomery, Millbrook, Wetumpka, Prattville, Clanton, Greenville, and Selma.
ASE offers a comprehensive suite of banking products including multiple checking account options (Kasasa Cash Checking, Kasasa Cash Back Checking, Your Rewards Checking, and ASE Checking), savings accounts (Regular Share, Club Account, Super Saver, Kasasa Saver, and Share Certificates), and lending products (personal loans, home mortgage loans, auto loans, and Visa credit cards). The credit union also provides business checking and savings accounts for small business owners. Additional services include digital banking, a rewards program, access to shared branches and ATMs with listed network fee context through the CO-OP network, overdraft protection, and card controls.
ASE distinguishes itself through its member-ownership model, where customers are part-owners who share in the credit union's profits. The institution emphasizes rate claims to verify and low fees compared to traditional banks, coupled with 24/7 account access through online banking, mobile apps, and a call center. They offer supplementary member benefits including a virtual health program, complimentary AD&D insurance, GAP Advantage protection, and extended warranty services. The credit union positions itself around personalized financial wellness rather than profit maximization.
ASE Credit Union is a legitimate, federally chartered not-for-profit financial cooperative with demonstrated longevity and community presence. However, membership is geographically restricted to an eight-county area around Montgomery, Alabama, limiting accessibility for consumers outside this region. As a smaller regional credit union, they may have less extensive product selection or technological sophistication compared to national banks or larger credit unions, though they do offer modern digital banking capabilities.
This is state-level context for Credit Unions consumers in Youngstown, OH. It does not confirm that Associated School Employees or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Associated School Employees processed 32 mortgage applications in 2023, with 100% recorded as approved across 1 states.
32
Applications
100%
Approval Rate
$89K
Avg Loan
1
States Served
Based on 32 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Associated School Employees offers 14 services including Kasasa Cash Checking with rewards, Kasasa Cash Back Checking, Your Rewards Checking, Personal savings accounts (Regular Share, Club Account, Super Saver, Kasasa Saver), Share Certificates (CDs) with promotional rates, and 9 more.
Associated School Employees has profile signals associated with Alabama residents in the Montgomery-area eight-county region seeking member-owned alternative to traditional banks, State employees and education sector workers originally targeted by the credit union's founding mission, Small business owners in central Alabama needing streamlined business checking and savings accounts, Consumers prioritizing low fees, rate claims to verify, and profit-sharing membership structure over nationwide branch access.
Key strengths: Member-owned cooperative model where customers share in profits rather than enriching external shareholders; No monthly maintenance fees or minimum balance requirements on checking accounts; Competitive savings rates advertised (3.85% APY for 9-month CDs, 3.55% for 15-month CDs). Areas to consider: Membership is geographically restricted to eight counties in central Alabama, making it inaccessible to out-of-state residents; Limited physical branch footprint (7 locations) compared to major banks, which could inconvenience members outside immediate service areas.
In the Credit Unions category, comparable providers include CME Federal Credit Union, Education First Credit Union, Pathways Financial Credit Union - Grandview. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ASE Credit Union is profile signals for individuals living or working in the eight-county Montgomery, Alabama area who value member ownership, low fees, and rate claims to verify over national convenience. The primary limitation is strict geographic membership restrictions that exclude consumers outside central Alabama.
CME Federal Credit Union is a member-owned financial institution founded in 1935, serving Central Ohio residents with competitive savings rates, low loan rates, and personalized service.
Google rating from 249 reviews
Profile signals: Central Ohio residents and employees seeking rate claims to verify with a community-focused financial institution, Homebuyers in Ohio looking for listed savings programs and mortgage lending
Education First Credit Union is a member-owned financial cooperative celebrating 90 years of service, offering savings, checking, loans, and financial education primarily to the educational community.
Google rating from 116 reviews
Profile signals: Education sector employees and students seeking member-owned financial services with educational focus, Consumers prioritizing financial education and seeking guidance beyond basic banking services
Ohio-based credit union offering member-focused financial services including checking, savings, loans, and digital banking solutions.
Google rating from 342 reviews
Profile signals: Ohio residents seeking member-owned banking alternatives to traditional banks, Consumers prioritizing privacy, security, and not-for-profit financial institutions
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Associated School Employees and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.