About MSCU

We work hard for you - everyday. Our core purpose is to serve the hardworking people of central Alabama. We know our members work hard for their money. Our mission is to strengthen the financial lives of the hardworking people of central Alabama. Mutual Savings members also enjoy member discounts and 24/7 access to our services via your computer, tablet, phone or ATM.

We’re local. If you need someone to help, we are here. There is not a chain of people between you and the decision-maker. It makes a big difference in how we can support our members. Because we make local decisions, we design our products specifically for the hardworking people of central Alabama. We offer signature Visa and Visa Blue credit cards, new and used auto loans, and all of our loan decisions are made at a local level. We keep our mortgages in-house. We don’t sell them on the secondary market. This means that we can do things such as finance up to 90 percent of the value of your home, require no Private Mortgage Insurance (PMI) and offer closing costs much lower than other lenders.

Join Us

Mutual Savings now proudly serves 13 counties throughout Alabama. In addition, we serve numerous employer groups through our Mutual Works program. Our credit union exists solely to meet member’s financial needs. As an organization, we focus on providing value and service to our members.

Mutual Savings Credit Union members are more than just customers. Members are owners. Each member owns a share of the credit union. Therefore, when the credit union succeeds, proceeds are returned to all members – not just a select group of stockholders – through lower loan rates, higher savings rates, fewer fees and added or improved services.