Alabama Central Credit Union Birmingham AL | Best Auto Loans & Mortgage Rates

Introduction

At Alabama Central, we believe in building strong financial futures for our members. Located at 3601 4th Ave S, Birmingham, AL 35222, our Main Office has been serving the community since 1938. With a commitment to personal service and community support, we've grown to welcome over 21,533 members who trust us with their financial needs. Our dedication is reflected in our robust financial standing, boasting total assets of $199,689,295 and total deposits of $16,974,971. We are proud to offer a wide range of services from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. In total, we have approved 8,117 loans, helping our members achieve their dreams. The leadership team at Alabama Central is dedicated to your success. Under the guidance of CEO Brad Haddock and Board President Kaitlyn Brown, our staff of 56 employees works diligently to ensure you receive the best possible service. Whether you need assistance with online banking or have questions about business loans, we're here for you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 3601 4th Ave S, Birmingham, AL 35222. For any inquiries or assistance, feel free to give us a call at 205-510-1300, or explore more about our offerings on our website at alabamacentral.org. Join us today and experience the personalized care that makes Alabama Central not just a bank but a partner in your financial journey!

Branch History & Mission

Our Journey

The story of Alabama Central is one of perseverance and dedication. From our humble beginnings, we have evolved into a trusted financial partner for many in Birmingham. Located at 3601 4th Ave S, just a stone's throw from local landmarks such as the historic Sloss Furnaces and the vibrant Railroad Park, our branch is easily accessible for all residents. We strive to be more than just a place for transactions; we aim to foster relationships built on trust and respect. Throughout the years, we've embraced advancements that enhance member experience while remaining committed to our core values. We introduced online banking and mobile payment options to ensure that members can manage their finances conveniently from anywhere. Our drive-thru service offers quick access for those on the go, while our shared service center allows members from partner credit unions to benefit from our services seamlessly.

Our Mission

Our mission at Alabama Central is simple yet profound: to improve the financial well-being of our members while supporting the growth of our community. We offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, business banking solutions, and credit cards with rewards. Each product is designed with our members' needs in mind. We believe in giving back to Birmingham. Through various community outreach initiatives and partnerships with local organizations, we strive to make a positive impact beyond just financial services. Whether it's sponsoring local events or providing educational resources about personal finance, we are dedicated to uplifting those around us. While members can visit us at 3601 4th Ave S for their banking needs, official correspondence should be sent to the same address. Our operating hours are Monday through Friday from 9 AM to 4 PM for lobby visits and until 5 PM for drive-thru banking. As we look towards the future, we invite you to join Alabama Central Credit Union. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization that cares deeply about its members. For more information or to become a member today, please call us at 205-510-1300 or visit us online at alabamacentral.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Getting Here

Situated in the heart of Jefferson County, our branch is easily accessible. We're just a short drive from popular local landmarks like Railroad Park and the Birmingham Civil Rights Institute, making us a convenient stop for all your banking needs. If you're coming by car, you'll find ample parking available right outside our doors. Our facility is ADA compliant, featuring ramps and other accessibility features to ensure everyone can visit us comfortably.

Operating Hours

Our friendly team is here to assist you during our lobby hours from Monday to Friday, 9 AM to 4 PM. For those needing a little extra time, our Drive-Thru service extends to 5 PM on weekdays, allowing you to complete simple transactions without leaving your vehicle.

Services We Offer

At Alabama Central, we offer a range of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgages. Plus, if you're a member of a partnering credit union, feel free to take advantage of our shared service center for deposits and withdrawals. While members can visit us at 3601 4Th Ave S for all their banking needs, official correspondence should be sent to the same address. For any questions or assistance, don't hesitate to call us at (205) 510-1300. We invite you to stop by and see how Alabama Central can help you achieve your financial goals!

Member Eligibility

At Alabama Central, we believe that everyone deserves a place to belong, and becoming a member is your first step into our welcoming community. If you live, work, worship, or attend school in the Birmingham area, you're likely eligible to join us! We embrace individuals from all walks of life and offer a range of financial services tailored to meet your needs. For more specific details about eligibility requirements, feel free to check out our website at . Joining is easy and straightforward! You can start the process by visiting our account opening page here: https://secure.alabamacentral.org/alabamacentralonlinebanking/sdk/autoenrollmente2e. If you have any questions or need assistance along the way, don't hesitate to call us at (205) 510-1300. We're excited to help you embark on this journey with us at Alabama Central, located at 3601 4Th Ave S Birmingham Al 35222!

Business Banking & Commercial Services

Financing Your Future

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 tailored options available, we empower entrepreneurs to invest in their vision, hire new talent, and expand operations.

Merchant Services That Matter

In addition to loans, we offer merchant services designed to streamline your business transactions. Imagine being able to accept payments quickly and efficiently, giving your customers a smooth shopping experience. Whether you're operating a retail store or an online shop, our solutions adapt to meet your needs. With an outstanding commercial loan portfolio of $15,437,869, we continue to drive economic growth by financing new and expanding businesses in our community. Explore how Alabama Central at 3601 4Th Ave S Birmingham Al 35222 in Birmingham, AL can partner with you for success! For more information, give us a call at (205) 510-1300 or visit us online at https://alabamacentral.org/.

Comprehensive List Of Services

Additional Services

At Alabama Central, we also provide essential ATM and cash withdrawal services for quick access to your funds. Our basic drive-thru banking allows you to perform simple transactions like deposits and withdrawals without leaving your car, making it a hassle-free experience. Additionally, if you're a member of a partner credit union, take advantage of our basic shared branch transactions for deposits and withdrawals wherever you are!

Business Banking Services

For entrepreneurs and small business owners, Alabama Central provides comprehensive support through our business banking services. From merchant services that help streamline your transactions to tailored business loans, we understand the challenges faced by businesses today and strive to offer solutions that foster growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your finances from anywhere at any time. With features like mobile payments, e-statements, and person-to-person transfers, banking has never been easier or more accessible.

Get in Touch

We invite you to visit us at 3601 4Th Ave S Birmingham Al 35222, call us at (205) 510-1300, or explore our website at https://alabamacentral.org/ for more information about our services. Let us help you achieve your financial goals today!

Personal Banking Services

When it comes to personal finance, Alabama Central offers various options to help you manage your money effectively. Start with our checking and savings accounts, designed to fit different lifestyles and saving goals. If you're planning to purchase a vehicle, our auto loans and vehicle financing options make it easy for you to hit the road without breaking the bank. For those dreaming of home ownership, our mortgage loans and refinancing services can guide you through the process of finding the right loan that suits your budget. Additionally, if you're facing unexpected expenses or looking to consolidate debt, consider our personal loans and debt consolidation options. With competitive rates and flexible terms, we aim to provide solutions that work for you. Don't forget about our credit cards with rewards! They offer benefits that can enhance your purchasing power while rewarding you for everyday spending.

Digital & Online Banking

Key Services

Our online banking service is available 24/7 at https://alabamacentral.org/, allowing you to check balances, pay bills, and transfer funds at your convenience. Whether you're at home or on the go, managing your finances has never been easier. Plus, with person-to-person transfers, sending money to friends or family is just a few clicks away. For added flexibility, we provide electronic signature authorization. This means you can complete transactions securely without needing to visit a branch. Our e-statements offer an environmentally friendly way to keep track of your account activity while ensuring easy access whenever you need it.

Mobile Banking Features

Stay connected with our mobile application, which enhances your banking experience right from your smartphone. Enjoy the convenience of mobile payments making purchases has never been more straightforward. Plus, our app allows you to manage your accounts in real time, giving you instant insights into your financial health. We prioritize security in all our digital offerings. You can trust that your personal information is protected while enjoying the benefits of modern banking solutions. Explore how easy managing your finances can be with Alabama Central's digital and online banking services!

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 committed to maintaining a strong foundation that allows us to serve you effectively and efficiently. 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. Additionally, with $2,653 in used auto loans and $146,570,767 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which enables 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 and committed team. The total share accounts stand at an impressive 27,082, showcasing 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 3601 4Th Ave S Birmingham Al 35222 or call 205-510-1300 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. We provide financing for both new and used vehicles, making it easier than ever to drive away in your desired car.

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 need funds for equipment purchases or working capital to keep operations running smoothly, we're here to support your business journey. At Alabama Central, we prioritize your financial success. If you're interested in refinancing any of our loan products or would like more information about eligibility options, don't hesitate to reach out. You can contact us at 205-510-1300 during our lobby hours from Monday to Friday between 9 AM and 4 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. Visit us online at Alabama Central for more details about all our services!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,688,878. Whether you're a first-time buyer or looking to refinance your current mortgage, our dedicated team is ready to guide you through the process.

Unsecured Credit Card Loans

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, our credit cards come with rewards and benefits that can make everyday purchases more rewarding.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This platform is designed to help you navigate your options confidently, ensuring you can make informed decisions about your financial future. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency means that you are getting offers based on the latest results, ensuring fair and trustworthy information (Source: https://www.ncua.gov). Using LendMesh comes with several key benefits: - Verified Data: Loan offers are sourced from legitimate financial institutions, which guarantees the transparency of the options presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is clear provide unbiased results for users seeking the best loan rates. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly see their options and make well-informed choices. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals secure better financial terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Alabama Central