The Educational Community Alliance Credit Union is a member-owned financial cooperative serving individuals affiliated with eligible educational institutions and related communities in Toledo, Ohio. Established to provide affordable financial services, the organization operates within a cooperative framework that emphasizes democratic member governance, where each member typically holds a single vote. Its historical orientation centers on supporting the financial well-being of educators, staff, students, and their families through accessible banking products and services.
Historically, credit unions of this type arose to offer savings opportunities, affordable loans, and financial education within the contexts they serve. The Educational Community Alliance Credit Union functions to collect deposits, extend credit, and facilitate routine financial transactions for its members. Its operational scope includes standard custodial and payment services, as well as accounts designed to accommodate everyday banking needs. The institution emphasizes prudent financial management and regulatory compliance to maintain safety and soundness for its membership base.
Better than 25% of providers in Toledo
In addition to the primary service, Educational Community Alliance Credit Union also offers:
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Educational Community Alliance Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Educational Community Alliance Credit Union is listed as a financial service provider in Toledo, OH and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Educational Community Alliance Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Educational Community Alliance Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Educational Community Alliance Credit Union with other providers in Toledo and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Educational Community Alliance Credit Union has a rating of 3.4, which is better than 25% of providers in Toledo.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Educational Community Alliance Credit Union requests. It is always best to call ahead using the phone number on this page so Educational Community Alliance Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Educational Community Alliance Credit Union also offers: Credit union, ATM.