Acipco Birmingham AL Credit Union | Best Auto Loans & Checking Accounts

Introduction

Welcome to Acipco Federal Credit Union, your trusted financial partner in Birmingham, AL. Established in 1964, we have been dedicated to serving our community for nearly six decades. Our branch, located at 1501 31st Ave N, Birmingham, AL 35207, is more than just a place to bank; it's a hub for financial growth and member support. We invite you to experience our commitment to personal banking, community engagement, and member satisfaction. With a total membership of 8,699 individuals and assets amounting to an impressive $201,400,707, Acipco is proud to offer a range of services tailored to meet the diverse needs of our members. From auto loans and mortgages to personal loans and business banking solutions, we strive to provide competitive rates and excellent service. Our total deposits stand at $18,483,782, reflecting the trust our members place in us. At Acipco, we understand that our strength lies not only in numbers but also in the relationships we build. Under the leadership of CEO Alison Cooke and Board President Mike Kitchens, our dedicated team of 20 employees works hard every day to ensure you receive personalized attention and expert guidance on all your financial matters. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 2727, Birmingham, AL 35202. Our operating hours are convenient too Monday through Friday from 8:00 AM to 4:30 PM making it easy for you to find the time that works best for you. We encourage you to reach out with any questions or concerns. Call us at 205-328-4371 or visit our website at Acipco Federal Credit Union for more information about our services and how we can help you achieve your financial goals. Join us today and discover why so many in Birmingham trust Acipco as their financial partner!

Branch History & Mission

At Acipco Federal Credit Union, our story began in 1964 in the heart of Birmingham, Alabama. Over the years, we have grown from a small credit union into a thriving financial institution that proudly serves a community of nearly 8,700 members. Located at 1501 31st Ave N, Birmingham, AL 35207, we have become a trusted partner for individuals and families seeking financial support and guidance. Our mission is simple yet powerful: to provide exceptional financial services while fostering a spirit of community and cooperation. We believe that everyone deserves access to affordable banking options and personalized service. This commitment drives us to offer a range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, credit cards with rewards, and business banking solutions. In addition to our core financial offerings, we prioritize giving back to our community. Throughout the years, we've formed partnerships with local organizations and participated in outreach efforts aimed at improving the lives of those around us. Our staff is dedicated not only to meeting your financial needs but also to enriching the communities we serve. As technology evolves, so do we. Acipco offers modern conveniences such as online banking, mobile payments, and ATM access to ensure our members can manage their finances on their terms. We also maintain ADA compliance to ensure that all members can access our services without barriers. While members can visit us at 1501 31St Ave N Birmingham Al 35207, official correspondence should be sent to PO Box 2727, Birmingham, AL 35202. We're here for you Monday through Friday from 8:00 am to 4:30 pm, providing drive-thru banking for quick transactions when you're on the go. With total assets reaching an impressive $201,400,707, we are well-equipped to support our members' financial journeys. Join us today and experience firsthand how Acipco Federal Credit Union can help you achieve your goals while being part of a supportive community. Together, let's build a brighter financial future! For more information about membership or services, please call us at (205) 328-4371 or visit our website at Acipco Federal Credit Union.

Branch Location & Accessibility

Welcome to Acipco Federal Credit Union, your friendly financial partner located at 1501 31St Ave N in Birmingham, Alabama. Situated in the vibrant Jefferson County, our branch is easily accessible and conveniently placed near popular landmarks, making it a great stop for all your banking needs. Whether you're headed to nearby shopping areas or just passing through the city, we're here to serve you. At Acipco, we understand that accessibility is key. Our branch features ADA-compliant entrances and ample parking to ensure everyone can visit us without hassle. Plus, for those on the go, we offer drive-thru banking services that allow you to complete simple transactions from the comfort of your vehicle. Our lobby is open Monday through Friday from 8:00 AM to 4:30 PM, making it easy for you to stop by before or after work. If you need assistance outside of these hours or prefer digital options, our online and mobile banking services are available anytime. For your convenience, we also have an ATM on-site so you can access your cash whenever needed. If you have any questions or would like more information about our services ranging from checking and savings accounts to loans and credit cards don't hesitate to give us a call at 205-328-4371. While members can visit us at our branch address, official correspondence should be sent to PO Box 2727, Birmingham, AL 35202. We invite you to come in and discover how Acipco Federal Credit Union can support your financial journey!

Member Eligibility

At Acipco, we believe that becoming a member is like joining a family where everyone supports one another. If you're looking to be part of something special, eligibility is quite simple! Individuals who live, work, worship, or attend school in our community are welcome to apply. We also extend membership to family members of existing members. This means that whether you're just starting out or you're a seasoned financial planner, you can enjoy the benefits of being part of our cooperative. By joining us at Acipco, located at 1501 31St Ave N Birmingham Al 35207, you gain access to a range of financial products and services tailored to meet your needs, from checking accounts to loans with favorable terms. Ready to take the next step? Opening an account with us is easy! You can find detailed information on our eligibility criteria by visiting http://www.acipcofcu.org/about-us/membership-eligibility .aspx . If you have any questions or need assistance, feel free to reach out at (205) 328-4371. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Financing for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, our merchant services simplify payment processing for your business. Imagine being able to accept payments easily from customers while keeping track of every transaction. Our tools help you manage sales efficiently, giving you more time to focus on what you do best running your business. Located at 1501 31St Ave N Birmingham Al 35207 in Birmingham, AL, our team is ready to partner with you for your financial success. Reach out today at (205) 328-4371 and discover how we can assist you!

Comprehensive List Of Services

Business Banking Support

For entrepreneurs and small business owners, our Business Banking services include everything from merchant services to business loans. We're here to help you thrive in today's competitive landscape.

Convenient Access

At Acipco, we also prioritize convenience. With our ATM & Cash Withdrawal Services, you have access to cash whenever you need it. Our basic drive-thru banking allows for easy deposits and withdrawals without leaving your vehicle perfect for those busy days when time is short. Whether you're at home or out and about in Birmingham, AL, our digital banking features ensure that managing your finances is always just a click away. If you have any questions or need assistance, please don't hesitate to reach out! Give us a call at (205) 328-4371 or visit us at 1501 31St Ave N Birmingham Al 35207. We invite you to explore all that Acipco has to offer your financial journey starts here!

Loans for Every Need

Need a new car? Our Auto Loans & Vehicle Financing options allow you to drive away in your dream vehicle with competitive rates and flexible terms. If you're considering buying a home, our Mortgage Loans & Refinancing services provide the support you need to navigate that journey successfully. For those moments when unexpected expenses arise, our Personal Loans & Debt Consolidation solutions can help get your finances back on track.

Personal Banking Solutions

We understand that personal finance can be overwhelming. That's why we offer Personal Banking services that include checking and savings accounts tailored for your lifestyle. Imagine having the flexibility to manage your money effortlessly through Online & Mobile Banking. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on-the-go.

Rewarding Credit Options

Don't forget about our Credit Cards with Rewards, which offer you benefits as you spend! Imagine earning points for travel, cash back, or discounts simply by using your card for everyday purchases.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, so you can check your account balances, transfer funds, and pay bills whenever you need to. No more rushing to the branch before closing time! You can also enjoy the convenience of e-statements, which means you'll receive your account statements electronically helping you keep track of your finances in a more organized way. For those who are always on the go, our mobile application makes it even simpler to manage your accounts right from your smartphone. With features like mobile payments, you can make purchases quickly and securely without needing to carry cash or cards. Plus, if you need to send money to friends or family, our person-to-person transfer feature allows for easy and instant transfers between accounts.

Security and Accessibility

We prioritize your security with robust measures to protect your personal information. While we currently don't offer electronic signature authorization for documents, our commitment to safeguarding your data remains strong. Our user-friendly interface ensures that navigating through our services is a breeze even for those not tech-savvy. At Acipco, we believe that financial management should be straightforward and accessible. Whether you're paying bills from home or making quick transactions while out and about, our digital banking tools empower you to take control of your financial journey with ease. Join us today and experience the convenience of modern banking!

Financial Strength

Commitment to Growth

With $30,711,813 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to continuously improve your banking experience. Our lending capacity is substantial as well. With $1,358 in used auto loans and $133,518,289 in total loans and leases, we're here to support your financial goals across various sectors. This broad range of lending options means you have access to the funds you need when you're ready to make important purchases or investments.

Growing Together

With a total of 16,489 share accounts, we show a strong and growing member base that trusts us with their finances. This growth not only strengthens our community but also enhances the services we provide. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Acipco is your trusted partner. Visit us at 1501 31St Ave N Birmingham Al 35207 or call (205) 328-4371 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is evident with a reported $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees and 0 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team. In addition, our net shares (funds available for lending and investments) amount to $343,717, further demonstrating our capability to provide resources that benefit all members.

Our Solid Foundation

With a net worth of $31,023,815, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid net worth underpins our ability to serve you reliably. Our net worth ratio of $1,538 demonstrates a robust capital base, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This means you can trust us to be here for you when it matters most.

Secure Savings Opportunities

Members' savings are secured through $50,010,681 in share certificates and $45,992,174 in money market shares, offering stable and rewarding financial growth opportunities. These products are designed to help your money work harder for you while keeping it safe. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $26,133,776 in used vehicle loans and $6,188,943 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used option, we can assist you every step of the way.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,156,889 in loans helping members manage their finances effectively. These cards come with benefits that allow you to build credit while enjoying rewards for your spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,044,042, make buying or refinancing simple. We believe everyone deserves a place to call home, and our competitive rates and personalized service ensure that you'll find the right fit for your budget.

Personal and Business Loans

In addition to personal loans, our branch is equipped to support business owners with various lending options. While we currently do not have outstanding commercial loans available, we are always exploring ways to expand our offerings and better serve our community. For those interested in refinancing or eligibility options for any of these products, feel free to reach out directly at (205) 328-4371. Our team is here to guide you through the process and answer any questions you might have. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at 1501 31St Ave N Birmingham Al 35207, Birmingham, AL 35,207, during our operating hours from 8:00 am to 4:30 pm Monday through Friday. We look forward to helping you find the perfect loan solution tailored just for you!

Loan Aggregator

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Acipco