Acipco Birmingham AL Credit Union | Convenient ATM Services & More

Introduction

Welcome to Acipco, your trusted financial partner located at 47 W Oxmoor Rd, Birmingham, AL 35209. Established in 1964, we have been dedicated to serving our community with integrity and commitment for nearly six decades. With a proud membership of over 8,699 individuals, we strive to empower our members by providing personalized financial solutions tailored to their unique needs. At Acipco, we understand that the foundation of a strong community is built on solid financial health. That's why we offer a range of services designed to help you achieve your financial goals. With total assets exceeding $201 million and total deposits around $18 million, our stability allows us to provide competitive rates on loans and savings products. Currently, we hold 5,273 loans and leases, reflecting our commitment to supporting our members' dreams whether it's buying a home, financing a vehicle, or investing in education. Our leadership team is here to support you every step of the way. Under the guidance of CEO Alison Cooke and Board President Mike Kitchens, we pride ourselves on transparency and member-focused service. With 20 dedicated employees, we're always ready to assist you with any questions or concerns you may have. While members can visit us at our branch for friendly service during lobby hours from 8:30 AM to 4:30 PM, official correspondence should be sent to the same address: 47 W Oxmoor Rd, Birmingham, AL 35209. We invite you to explore our website at www.acipcofcu.org for more information on how we can help you manage your finances effectively. Whether you're looking to open an account or apply for a loan, we're just a phone call away at 205-933-9933. Join us today and experience the difference that comes with being part of the Acipco family!

Branch History & Mission

At Acipco, we pride ourselves on a rich legacy that dates back to our founding in 1964. Located at 47 W Oxmoor Rd in Birmingham, Alabama, our branch has grown alongside the community it serves. Over the decades, we have cultivated a strong bond with our members, fostering an environment where financial wellness and community support go hand in hand. Since opening our doors, Acipco has expanded significantly, currently boasting a total membership of 8,699 and total assets of $201,400,707. Our mission is clear: to provide exceptional financial services while empowering our members and enhancing the well-being of our community. We believe that everyone deserves access to affordable banking solutions and personalized service, which is why we prioritize building lasting relationships with those who walk through our doors. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 47 W Oxmoor Rd, Birmingham, AL 35209. Our operating hours are Monday through Friday from 8:30 AM to 4:30 PM, ensuring we're available when you need us most. Acipco is dedicated not just to serving our members but also to being a pillar of support within the Birmingham community. We actively engage in outreach programs and partnerships aimed at improving the lives of those around us. Our commitment extends beyond traditional banking; we strive to make a positive impact through various initiatives that promote financial literacy and community development. In today's fast-paced world, we've embraced technology to enhance your experience. Our online banking platform offers ease and convenience for managing your finances from anywhere. You can also enjoy features like mobile payments and person-to-person transfers for added flexibility. As we move forward into the future, we remain steadfast in our mission to empower individuals and families by providing valuable financial resources tailored to their needs. Join us at Acipco and experience a credit union that truly cares about its members and their aspirations. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Acipco! Conveniently located at 47 W Oxmoor Rd Birmingham Al 35209 in the vibrant city of Birmingham, Alabama, our branch is here to serve you. Just a stone's throw away from local landmarks, visiting us is easy and accessible for everyone. At Acipco, we take pride in making banking simple and convenient. Our branch features ADA-compliant accessibility options, ensuring that all members can easily navigate our space. Parking is available right outside, making it hassle-free to drop by during your day. We're open Monday through Friday from 8:30 AM to 4:30 PM, allowing you to visit us during your lunch break or after work. While we currently do not offer drive-thru banking or ATM services, our friendly staff is always ready to assist you inside the branch. If you need to send official correspondence, please use our mailing address at 47 W Oxmoor Rd, Birmingham, AL 35209. For any questions or if you'd like to know more about our services, don't hesitate to give us a call at (205) 933-9933. We look forward to welcoming you soon at Legacy Credit Union!

Member Eligibility

Becoming a member of Acipco is like joining a family that truly cares about your financial well-being. If you live, work, or worship in the Birmingham area or have a connection to any of our members, you're likely eligible to join us! We warmly welcome individuals who are part of specific communities or organizations that we serve. Membership means access to personalized financial services and community support, all designed with your needs in mind. To learn more about the eligibility criteria and see if you qualify, feel free to check out our detailed resource at http://www.acipcofcu.org/about-us/membership-eligibility.aspx. Once you've confirmed your eligibility, opening an account is a breeze! Just visit our website for a simple application process at http://www.acipcofcu.org/e-services/apply-for-a-loan.aspx, or give us a call at (205) 933-9933 if you have any questions. We're here to help you every step of the way as you take this exciting step towards becoming part of the Acipco community!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a trusted partner to streamline your payment processes. Our merchant services help businesses like yours accept payments easily and efficiently, allowing you to focus on what you do best running your business. With features designed for everyday operations, our services can enhance your customer experience while simplifying transactions. For more information about how our business banking and commercial services can empower your venture, visit us at 47 W Oxmoor Rd Birmingham Al 35209 or call us at (205) 933-9933. Together, let's build a stronger future for your business!

Supporting Your 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. Additionally, we provide flexible financing options for the broader community with $0 in non-member commercial loans. This means whether you're looking to expand, purchase new equipment, or manage cash flow, we have solutions that fit your needs.

Comprehensive List Of Services

Digital Banking Convenience

In today's fast-paced world, having digital tools at your fingertips is essential. At Legacy Credit Union, we offer online banking that allows you to manage your accounts from anywhere, anytime. You can easily transfer funds, pay bills, and view your transaction history with just a few clicks. Additionally, our mobile application brings banking directly to your smartphone, making it easier than ever to keep track of your finances on the go.

Get in Touch

If you have any questions about our services or would like more information about how Acipco can assist you on your financial journey, don't hesitate to call us at (205) 933-9933. Our operating hours are from 8:30 am to 4:30 pm, Monday through Friday. We invite you to visit us at 47 W Oxmoor Rd Birmingham Al 35209 and discover how we can support you in achieving your financial goals. Join us at Legacy Credit Union and experience the difference a committed credit union can make!

Personal Banking Solutions

We understand that everyone's financial journey is unique. That's why we offer personalized solutions designed just for you. Our primary service includes ATM Services Only, ensuring that you can access your funds whenever you need them. Imagine being able to withdraw cash or check your balance at your convenience without the hassle of long lines or complicated processes.

Supporting Your Financial Goals

Whether you're saving for a big purchase or planning for the future, our services are designed with your goals in mind. While we currently focus on ATM services, we are always exploring ways to expand our offerings to better serve you. We encourage our members to reach out if they have specific needs or suggestions after all, your feedback helps us grow!

Digital & Online Banking

Key Features

Our electronic banking services include various convenient features that enhance your banking experience. For instance, e-statements are available to help you keep track of your finances without the clutter of paper statements. Plus, with our person-to-person transfer option, sending money to friends or family is as easy as a few taps on your screen. If you're interested in making payments through your phone, our mobile payments feature lets you do just that securely and effortlessly. While we don't currently offer electronic signature authorization for documents, we prioritize security across all our platforms so you can bank with peace of mind. At Acipco, we're committed to providing accessible and effective solutions tailored to fit your lifestyle. Experience the ease of managing your finances digitally with us today! Visit https://www.acipcofcu.org/ and discover how our services can work for you.

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. Our ability to support your financial goals is reflected in our robust lending capacity; we have $1,358 in used auto loans and $133,518,289 in total loans and leases.

Member-Focused Savings

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. 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.

Operational Efficiency

Our operational efficiency is evident in our $0, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With a total of 16,489 share accounts, you can see the trust our growing member base places in us.

Solid Financial 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. Our net worth ratio of $1,538 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Partner in Financial Success

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 47 W Oxmoor Rd Birmingham Al 35209 or call (205) 933-9933 to learn more about how we can help you achieve your financial goals.

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. We provide flexible financing options for both new and used vehicles, making it easier for you to find the right fit for your lifestyle.

Conclusion

At Acipco located at 47 W Oxmoor Rd Birmingham Al 35209, we pride ourselves on being more than just a financial institution we are your partners in achieving your financial aspirations. If you're interested in any of our loan products or want to explore refinancing options, feel free to reach out at 205-933-9933 during our operating hours from 8:30 am to 4:30 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you navigate your financial journey today!

Credit Lines

For those needing additional flexibility in managing cash flow, our total credit lines amount to $57,323,500. These lines provide access to funds when you need them most without the hassle of applying for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $2,044,042, making buying or refinancing simple. We can guide you through the process and help you understand your eligibility options for refinancing as well.

Unsecured Credit Cards

Managing everyday expenses can be challenging. 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. This option provides a convenient way to handle purchases while offering competitive rates.

Loan Aggregator

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Acipco