More with MAX

A strong foundation with a future focus.

Experience more with MAX Credit Union, where our members and our communities come first. Get to know MAX and learn why making the switch to banking with us can make managing your money easier.

All of our accounts feature 24/7 convenience

It's your money. You should have a big say in how you manage it. While all MAX accounts include a free debit card, nationwide ATM access, and time-saving digital banking, you're free to choose other features based on your finances and lifestyle.

All of our checking account options come with some smart extras: free online banking, free mobile banking, free online bill pay, free eStatements and free ATM access at thousands of convenient locations. MAX also offers extended opt-in overdraft protection plans for MAX checking accounts.

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If We Don’t Pay - You Don’t Pay

At MAX we work hard to support and serve our members, this includes not charging our members unnecessary fees. We do not charge Non-Sufficient Fund (NSF) fees, also known as return item fees.

In addition to no NSF fees, MAX provides members up to $10 in charge free overdraft protection. This additional coverage helps members avoid a $32 overdraft fee for those oops moments when their account may come up short on occasion.

*Members may still owe return item charges to the merchant/payee.

Get Your Paycheck Up to 2 Days Sooner

Paydays are the best days, and you can enjoy access to your paycheck up to two days’ sooner* with our new advanced deposit feature.

How it works:

Set up your direct deposit to go to your MAX checking account
Do a happy dance knowing you’ll have your money sooner*

It’s really that easy. Instead of waiting until your official payday to give you access to your funds, we go ahead and release the money to you when it comes in from your employer’s payroll processor. In many cases, this is two days earlier than before. Say goodbye to waiting around to pay bills, purchase groceries, or have a little fun with friends.

* Early access to direct deposit funds depends on timing of payer’s submission of deposits. MAX will post ACH deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

Two irresistible words:
Let's ride.

Sporty cars. Spacious SUVs. Rugged trucks. Whatever your driving style, there are many great vehicle options on the road today. MAX's inventory of financing options is just as attractive. Our experienced lending team is ready to have you driving in style with affordable loans, flexible repayment plans, and fast approvals.

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Loans for cars, trucks, and SUVs
Easily pay the balance your insurance does not cover with Guaranteed Asset Protection (GAP)
$500 for your insurance deductible with
Auto Deductible Reimbursement (ADR)
Financing for new and used vehicles
Competitive rates
Flexible repayment plans keep your monthly payments in check
Easy online loan application
Refinancing options available

MAX Auto Loan Perks:

Auto Deductible Reinbursement (ADR) is a can't miss MAX auto loan benefit. Get up to $500 to apply to your insurance deductible in the event you need to file a claim on your vehicle. This benefit includes unlimited claims per year, coverage is effective immediately, and it covers all vehicles that you own and insure, even if they were not financed with MAX.***

GAP (Guaranteed Asset Protection) Coverage: Your NEW car becomes USED as soon as you drive it off the lot. Protect your new vehicle with GAP coverage**. GAP is an optional, add-on loan protection product that can help certain drivers cover the “gap” between the amount they owe on their car and the car’s actual cash value in the event of an accident.

What is Actual Cash Value (ACV)? - A car’s actual cash value is the car’s monetary value at the time
of the accident, not the car’s original price.
Why should I consider GAP? - If the actual cash value is less than your current loan amount, the result could be a financial gap where you must pay the difference between your loan
balance and your insurance settlement. This could mean thousands of dollars out of your pocket.

Debt Protection - Protect Yourself from Debt When Life Happens. If you experience a life event like job loss, disability, or even death, debt protection can either pause or cancel your loan payments, so you or your family don’t have to worry about keeping up with them during tough times. It’s like having an extra layer of security, giving you peace of mind knowing that your car loan won’t add stress to an already difficult situation.

Extended Warranties: Car repairs can cost a bundle. You may save yourself a lot of money in the long haul by purchasing an extended warranty from our partners at Route 66.

Auto Insurance: We make it easy to get your auto loan and insurance all in one place! From daily commutes to long road trips, you want to know you're driving with a vehicle insurance policy that covers you in any circumstance. Work with MAX Insurance Services and choose from a variety of affordable policies.

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Preferred Dealerships

What would you rather do: Show off your new car or spend extra hours arranging financing? Yes, we thought so. That's why we've partnered with many local dealerships to provide you with a MAX loan at the same time you seal your vehicle deal. Search current vehicle inventories for our preferred dealers using the Find a Car search tool above.

Your dealership will work with us to handle all the financing.
They'll complete the paperwork and send it straight to us.
Following approval, you will close the loan with the dealership.
You get all the MAX benefits - competitive rate, budget-friendly repayment terms, even automatic monthly payments.

For more info, call 334.260.2600 or 1.800.776.6776 and ask about MAX auto loan financing at any MAX Preferred Dealer.

Vehicle Values: Research accurate pricing of the vehicle you want to buy or the one you're trading in.

* For qualified borrowers. Certain restrictions apply. Rates subject to change. No additional discounts will be given. Promotion is for auto loans only. Current MAX loans do not qualify for these rates. Only new loans qualify.

** This is general information only. Please refer to your actual GAP Waiver Addendum (GAP) for terms, conditions, coverage, limitations, and restrictions. GAP is not an insurance policy and does not replace or eliminate the need for vehicle insurance coverage. There are exclusions and limitations for items like delinquent payments, late charges, refundable items and financing more than the allowable Loan to Value (LTV%) limit that could leave you responsible for a loan balance after the GAP benefit is applied to your loan. You may cancel GAP during the first 60 Days and receive a full refund of any fee paid.

*** Members will be reimbursed for a paid insurance deductible up to $500 on any auto that is owned and insured. This benefit is effective up to 3 years from the date of loan origination. Coverage begins for all members who open a direct auto loan with MAX beginning November 1, 2022. Additional terms and restrictions may apply.

Checking Account requirements

You must be a U.S. citizen or resident alien and 19 years of age or older. You must have a U.S. address and Social Security number, as well as, one of the following: a driver`s license, U.S. passport, or state-issued ID. You must also have a valid email address.

All rates quoted as Annual Percentage Yield (APY). As of the last dividend declaration date, the dividend rate was as shown above, under Dividend Rate, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Disclosures.

MAX Credit Union is a full-service financial institution serving Central and East Alabama, including Montgomery, AL; Auburn, AL; Opelika, AL; Prattville, AL; Wetumpka, AL; Tallassee, AL; and Troy, AL.