Alabama Central Credit Union Birmingham AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Alabama Central, where community and financial empowerment come together. Located at 250 W Oxmoor Rd, Birmingham, AL 35209, our branch has proudly served members since 1938. With over 21,500 members relying on us for their financial needs, we strive to create a welcoming environment where everyone feels valued. At Alabama Central, our commitment extends beyond just banking. We understand the importance of fostering strong relationships within our community. As of now, our total assets stand at an impressive $199,689,295, with total deposits of $16,974,971 and a net worth of $17,998,825. Our dedicated team of 56 employees, led by CEO Brad Haddock and Board President Kaitlyn Brown, is here to guide you through your financial journey. While members can visit us at our main branch address, official correspondence should be sent to the same location: 250 West Oxmoor RD, Birmingham, AL 35209. We also offer convenient services such as online banking and mobile payments to make managing your finances easier than ever. Whether you're looking for personal loans, auto financing, or business solutions, Alabama Central is ready to assist you every step of the way. Don't hesitate to reach out call us today at 205-941-1010 or visit our website at alabamacentral.org to discover how we can support your financial goals!

Branch History & Mission

Alabama Central has a rich legacy of serving the Birmingham community since its establishment in 1938. Over the years, this credit union has grown and evolved to meet the changing needs of its members, now boasting a total membership of over 21,000 individuals. Located at 250 W Oxmoor Rd, Birmingham, AL 35209, Alabama Central is committed to providing quality financial services while fostering a sense of community among its members. From its humble beginnings, Alabama Central has made significant strides in the financial sector. The credit union has expanded its offerings to include personal banking services such as checking and savings accounts, auto loans, mortgage loans, and business banking solutions. With total assets now exceeding $199 million, Alabama Central stands as a testament to the dedication and hard work of both its staff and members. The mission of Alabama Central is simple yet powerful: to empower our members through excellent financial services while supporting their dreams and aspirations. This commitment goes beyond just banking; it extends into the community with various outreach programs and partnerships aimed at enhancing the lives of local residents. Whether it's through educational initiatives or participation in local events, Alabama Central believes in giving back to those who have supported it throughout the years. While members can visit us at 250 W Oxmoor Rd, official correspondence should be sent to 250 West Oxmoor RD, Birmingham, AL 35209. We are proud to offer convenient services including ATM access and drive-thru banking for those who prefer quick transactions. Our operating hours are Monday through Friday from 9 AM to 5 PM, making it easy for you to drop by whenever you need assistance. In addition to our physical presence, Alabama Central embraces technology with online and mobile banking options that allow members to manage their finances on-the-go. With features like electronic statements and mobile payments, we ensure that our services are accessible and user-friendly for everyone. At Alabama Central, we invite you to become part of our thriving community. Join us today and discover how we can help you achieve your financial goals while being an integral part of a supportive network dedicated to your success. Come experience the difference with Alabama Central where community meets opportunity!

Branch Location & Accessibility

Accessibility and Features

Our location is designed with your convenience in mind. We have ample parking available, making it easy for you to stop by. The branch is also ADA compliant, ensuring that everyone can access our services comfortably. Whether you prefer to walk in or utilize our drive-thru service for quick transactions, we've got you covered!

Get in Touch

We invite you to come visit us at Alabama Central! If you have any questions before stopping by, feel free to give us a call at 205-941-1010. Our friendly staff is eager to assist you with any inquiries or concerns you may have. We look forward to serving you soon!

Operating Hours

We know that life can get busy, so we're open Monday through Friday from 9 AM to 5 PM. This schedule allows you to visit us during lunch breaks or after work, fitting right into your day.

Services Offered

At Alabama Central, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, our team is here to help you every step of the way. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it! If you're a member of another credit union, don't worry our shared service center allows you to conduct basic transactions too.

Member Eligibility

At Alabama Central, we believe that everyone deserves a chance to be part of a welcoming and supportive community. Becoming a member is simple and open to individuals who live, work, or worship in the areas we serve. Whether you're just starting out on your financial journey or looking for a place that truly understands your needs, you'll find a home here with us. For more detailed eligibility criteria, feel free to explore our website at . Joining Alabama Central not only grants you access to a range of financial services tailored for your lifestyle but also provides you with the benefits of personalized support from our dedicated team. If you're ready to take the next step and open an account, it's as easy as visiting us at our branch located at 250 W Oxmoor Rd Birmingham Al 35209 or giving us a call at (205) 941-1010. We're here to help you every step of the way! And remember, more information about account opening can be found here.

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $135 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $15,437,869, we continue to drive economic growth by financing new and expanding businesses. Imagine a local café that wanted to expand its seating area or a tech startup looking to hire new talent. With our tailored loan options, these dreams become achievable goals.

Merchant Services

In today's fast-paced market, being able to process payments efficiently is crucial. Our merchant services simplify transactions, allowing you to focus on what matters most: your business. Picture a retail store where customers can pay with ease at checkout or a food truck serving hungry patrons without any hiccups in payment processing. This convenience not only enhances customer satisfaction but also boosts sales. Discover how Alabama Central can help you navigate the financial landscape of your business at our location on 250 W Oxmoor Rd Birmingham Al 35209 in Birmingham, AL. Reach out to us at (205) 941-1010 to learn more about how we can support your business endeavors!

Comprehensive List Of Services

Business Solutions

For local businesses, we understand the challenges you face. That's why we offer specialized business banking services, including merchant services and business loans. Whether you're just starting or looking to expand, our financial products are designed to help your business thrive.

Convenient Access

We also know how important convenience is in today's fast-paced world. That's why we provide ATM services for quick cash withdrawals as well as basic drive-thru banking options for deposits and withdrawals without leaving your car. If you're visiting from another credit union, take advantage of our shared branch transactions for easy access to your funds.

Digital Banking Features

In this digital age, managing finances should be easy and accessible. Our robust online and mobile banking platforms let you check balances, transfer money between accounts, and even make person-to-person payments all at your fingertips. You can rest assured knowing that security is our top priority. No matter what financial service you need, Alabama Central is here for you every step of the way. Visit us at 250 W Oxmoor Rd, Birmingham, AL 35209, or give us a call at 205-941-1010 to learn more about how we can assist you today! Explore all the ways we can make banking work better for you at Alabama Central.

Loans Made Easy

If you're considering purchasing a car or refinancing your home, our auto loans and mortgage options provide flexible terms tailored to fit your budget. Need some extra cash? Our personal loans can help you consolidate debt or cover unexpected expenses without stress. Plus, our credit cards with rewards allow you to earn points on everyday purchases what could be better than getting rewarded for spending?

Personal Banking

For those who want to manage their personal finances easily, we offer a variety of checking and savings accounts that suit different lifestyles. Imagine having a checking account that allows you to track your spending effortlessly while also earning interest on your savings. With our mobile and online banking services, you can access your accounts anytime and anywhere, making it simple to monitor your balances and transactions.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to check balances, pay bills, and transfer money with just a few taps. If you're always on the go, you'll love our mobile payments feature that makes transactions quick and straightforward. Plus, sending money to friends or family is effortless with our person-to-person transfers. For those who prefer paperless options, we offer electronic statements that keep you informed while helping the environment. You can easily sign documents online with our electronic signature authorization, making processes faster and more efficient.

Security and Ease of Use

Your security is our top priority. Our online banking platform uses advanced security measures to protect your information, giving you peace of mind as you manage your finances. The user-friendly interface ensures that even those new to digital banking will find it easy to navigate. Whether you're checking your account from home or making a quick payment on the move, Alabama Central provides real-time access and management of your finances. Experience the future of banking today by exploring all our digital services at https://alabamacentral.org/!

Financial Strength

At Alabama Central, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to report robust financial health, ensuring that you can trust us with your hard-earned money. With a net worth of $17,998,825, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 900 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $21,885,792 in share certificates and $7,965,632 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,812,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $17,732,369 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $2,653 in used auto loans and a total of $146,570,767 in loans and leases. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 50 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 27,082, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alabama Central is your trusted partner. Visit us at 250 W Oxmoor Rd Birmingham Al 35209 or call 205-941-1010 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $43,370,932 in used vehicle loans and $10,706,277 in new vehicle loans already helping members get on the road, you can trust that we have options that work for you. Whether you're interested in financing a brand-new model or a reliable used vehicle, our friendly staff can guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $15,437,869 provide the capital needed to grow and expand your business. Whether you're starting up or looking to scale operations, we have tailored solutions to support your entrepreneurial ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,688,878, make buying or refinancing simple. We provide personalized service to help you navigate the complexities of home financing while ensuring you understand all your options.

Refinancing Options

If you're considering refinancing any existing loans or credit lines for better rates or terms, talk to us about eligibility options available at Alabama Central. Our experienced team can help identify opportunities that may save you money over time. At Alabama Central Credit Union, we're committed to providing transparent information and services designed to promote financial well-being within our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Come visit us or contact us today! Let's work together towards achieving your financial goals.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $4,631,557 in loans helping members manage their finances effectively. These cards are designed with your convenience in mind and come with features that empower you to take control of your spending.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means users can trust the information they receive when comparing loans.

Alabama Central