Alabama Central Credit Union Decatur AL | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Alabama Central in Decatur, where your financial well-being is our top priority! Located at 3048 Finley Island Cir Nw, Decatur, AL 35601, we have been serving our community since 1938. With a total membership of over 21,533 members, we pride ourselves on fostering strong relationships and supporting the financial goals of our community. At Alabama Central, we understand that every dollar matters. That's why we manage a robust portfolio with total assets of $199,689,295 and total deposits amounting to $16,974,971. Our commitment to excellence is reflected in our impressive net worth of $17,998,825 and cash on hand totaling $2,076,417. Whether you're looking for a new auto loan or need help with personal banking services, our team is here to assist you. Our dedicated staff of 56 employees, led by CEO Brad Haddock and Board President Kaitlyn Brown, ensures that you receive personalized attention tailored to your needs. We believe in giving back to the community while also providing competitive rates on loans currently holding a total of 8,117 loans and leases. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 3048 Finley Island BLVD, Decatur, AL 35601. We invite you to explore the variety of services we offer through our website at Alabama Central. Join us today and experience the benefits of being part of a credit union that truly cares about its members. Call us at 256-351-7880 or stop by during our lobby hours from Monday to Friday between 9 AM and 5 PM. Your journey toward financial empowerment starts here!

Branch History & Mission

At Alabama Central, we take pride in our rich history and unwavering commitment to the communities we serve. Established in 1938, our Decatur branch has been a cornerstone of financial support for over eight decades. Located at 3048 Finley Island Cir NW, Decatur, AL 35601, we are ideally situated to serve our members with ease. Our location is easily accessible, making it convenient for you to visit us. Since our inception, Alabama Central has grown significantly, now boasting a total membership of 21,533 and total assets amounting to $199,689,295. We have seen many changes over the years, but our core mission has remained steadfast: to provide exceptional financial services while supporting our local community. Our mission is simple yet powerful: we strive to empower individuals and families by offering personalized banking solutions that meet their unique needs. From checking and savings accounts to auto loans and mortgages, we aim to provide services that promote financial well-being. We also believe in giving back; through community outreach initiatives and partnerships with local organizations, we actively contribute to the development and support of Decatur. In addition to traditional banking services, we embrace modern technology to enhance your experience. With online banking, mobile payments, and ATM access available at our branch, managing your finances has never been easier or more efficient. Furthermore, our branch is ADA compliant, ensuring that everyone can access our services comfortably. While members can visit us at 3048 Finley Island Cir NW for all their banking needs, official correspondence should be sent to 3048 Finley Island BLVD, Decatur, AL 35601 if it differs from the branch address. We are proud of our dedicated team led by CEO Brad Haddock and supported by staff who are always ready to assist you. Our drive-thru service offers added convenience for quick transactions during operating hours from Monday through Friday from 9 AM to 5 PM. Join us at Alabama Central in Decatur as we continue this journey of growth together. Experience the benefits of being part of a credit union that genuinely cares about its members and community. Whether you're looking for personal banking options or business solutions, we're here for you every step of the way. Visit us today or give us a call at 256-351-7880 we look forward to welcoming you!

Branch Location & Accessibility

Welcome to Alabama Central, your friendly neighborhood credit union located at 3048 Finley Island Cir Nw in Decatur, AL. Our branch is perfectly situated for your convenience, making it easy for you to manage your financial needs right in the heart of Morgan County. Whether you're visiting us after a trip to the nearby shopping centers or enjoying a day out at the beautiful Point Mallard Park, we're here to help you with all your banking needs. At our Decatur branch, we prioritize accessibility and comfort. We offer ample parking right outside our entrance, ensuring that you can quickly find a spot when you arrive. Our facility is ADA compliant, featuring ramps and accessible entrances to ensure everyone can easily access our services. We're open Monday through Friday from 9 AM to 5 PM, allowing you plenty of time during the week to stop by and meet with our dedicated staff. If you're on the go, take advantage of our drive-thru banking service for quick transactions like deposits and withdrawals without having to leave your vehicle. Additionally, we have an ATM available for cash withdrawals and balance inquiries whenever you need it. While members can visit us at 3048 Finley Island Cir Nw, official correspondence should be sent to our mailing address at 3048 Finley Island BLVD, Decatur, AL 35601. Whether you're looking for personal banking options like checking and savings accounts or exploring loans for vehicles or mortgages, Alabama Central has you covered. Our team is always ready to assist you with any questions or services you may need. Feel free to give us a call at 256-351-7880 if you'd like more information or if you're ready to start your journey with us. We can't wait to welcome you into our branch! Come visit us today!

Member Eligibility

Becoming a member of Alabama Central is like joining a family that truly cares about your financial well-being. We believe in making our community stronger, and we welcome anyone who lives, works, or worships in the area to join us. At Alabama Central, you'll find that eligibility is easy and inclusive just bring along a valid ID and proof of address, and you're on your way! For more specific details, feel free to check out our eligibility page at . Once you're ready to open an account, the process is simple. You can start right away by visiting our online application at https://secure.alabamacentral.org/alabamacentralonlinebanking/sdk/autoenrollmente2e, or give us a call at (256) 351-7880 if you have any questions. Our friendly team is here to help you every step of the way. Join us at Alabama Central, located at 3048 Finley Island Cir Nw Decatur Al 35601, and let's take this journey together toward achieving your financial goals!

Business Banking & Commercial Services

Enhancing Operations with Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: a busy Saturday morning at your café where customers are lined up, eager to pay. Our merchant services ensure you can accept payments quickly and securely, keeping your lines moving and customers happy. Located conveniently at 3048 Finley Island Cir Nw Decatur Al 35601 in Decatur, AL, we're here to help your business thrive. For more information, give us a call at (256) 351-7880 or visit us online at https://alabamacentral.org/. Let's take your business to the next level together!

Supporting Your Growth with Loans

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 having the funds to invest in new equipment or hire additional staff our loans are designed to make those dreams a reality.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services ensure that you have access to your funds whenever you need them. With easy cash withdrawal options and balance checks available at our ATMs, managing your money has never been easier.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it easy for you to get behind the wheel without breaking the bank. We understand that purchasing a vehicle is a significant investment, and we are committed to helping you find the right financing solution.

Business Banking

For entrepreneurs and small business owners, we provide comprehensive Business Banking solutions. From Merchant Services to Business Loans, we cater to all aspects of running a successful business. Let us help you grow by providing financial tools that fit your needs.

Credit Cards with Rewards

Our Credit Cards with Rewards offer not only convenience but also benefits that enhance your spending power. Earn points on everyday purchases and redeem them for exciting rewards it's our way of saying thank you for being part of the Alabama Central family.

Drive-Thru and Shared Branch Transactions

We also offer basic drive-thru banking services for quick transactions like deposits and withdrawals. Additionally, if you're a member of one of our partner credit unions, take advantage of basic shared branch transactions at our location. At Alabama Central, we're dedicated to meeting all your financial needs under one roof while ensuring ease of access through digital banking features and personalized service. Explore how we can support your financial journey today! For more information about our services or to get started, visit us at https://alabamacentral.org/ or call us at (256) 351-7880.

Mortgage Loans & Refinancing

Homeownership is more than just a dream; it's an achievable goal with our Mortgage Loans & Refinancing services. Whether you're a first-time buyer or looking to refinance your current mortgage for better rates, our team will guide you through the process to ensure you get the best deal possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. Whether you're paying bills or transferring money between accounts, we've made it simple and secure for you.

Personal Banking

For those who want to keep their finances organized, we offer various Personal Banking options. You can choose from our Checking and Savings Accounts that provide flexibility and ease of access. Imagine having instant access to your funds while earning interest this is what we aim to provide with our accounts.

Personal Loans & Debt Consolidation

Sometimes, life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. We can assist you in consolidating debts into manageable payments or providing funds for emergencies, making sure you can focus on what matters most.

Digital & Online Banking

Accessible Anytime

With 24/7 online banking services, managing your money has never been more accessible. Whether it's checking your balance late at night or making an urgent payment during lunch, we're here for you every step of the way. Experience the ease of digital banking with us at Alabama Central where financial management meets convenience and security!

Convenient Features

Security is our top priority. With electronic signature authorization available, signing documents online is both safe and straightforward. Whether you're applying for a loan or updating your account information, you can do it all from the comfort of your home or wherever life takes you. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy to share funds instantly. And if you prefer mobile payments, we've got you covered there too! You can make secure transactions directly from your phone.

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 highlight the financial strength that underpins our operations and ensures that we can continue serving our community effectively. 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 $26,653,709 in used auto loans and a total of $146,570,767 in loans and leases. Our operational efficiency is reflected in our performance with a net income of $0, which allows us to focus on providing 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. Net Shares (funds available for lending and investments): $0. Total Share Accounts: 27,082, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 3048 Finley Island Cir Nw Decatur Al 35601 or call 256-351-7880 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Services

We also support business owners with outstanding commercial loans totaling $15,437,869, which provide the capital needed for growth and expansion. If you're interested in any of our loan offerings or want more information about refinancing options and eligibility criteria, please don't hesitate to reach out. You can contact us at 256-351-7880 or visit us at 3048 Finley Island Cir Nw Decatur Al 35601. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Alabama Central, we're dedicated to providing accessible and affordable financial solutions that meet your needs today and into the future.

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 flexible terms and competitive rates to make car ownership more affordable for you.

Credit Lines

If you need additional flexibility with your spending or unexpected expenses arise, consider our credit lines totaling $79,475,264. They allow you to borrow as needed while providing peace of mind.

Mortgage Options

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 offer competitive interest rates and personalized service to guide you through every step of the process.

Unsecured Credit Cards

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $4,631,557 in loans assisting members in managing their finances effectively, our credit cards come with rewards that can add extra value to your purchases.

Loan Aggregator

Call to Action

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Alabama Central