Alabama Central Credit Union Florence AL | Best Auto Loans & Personal Banking

Introduction

Welcome to Alabama Central, your trusted financial partner located at 1902 Bruin Dr, Florence, AL 35630. Established in 1938, we have proudly served our community for over 85 years, building a strong foundation of trust and reliability among our 21,533 members. With total assets reaching an impressive $199,689,295, we are committed to providing personalized financial solutions tailored to your needs. At Alabama Central, we believe in the power of community. Our dedicated team of 56 employees works tirelessly to ensure that you receive the best service possible, whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing. Under the leadership of our CEO, Brad Haddock, and Board President, Kaitlyn Brown, we strive to create a welcoming environment where every member feels valued. While members can visit us at our branch location, official correspondence should be sent to the same address: 1902 Bruin Dr, Florence, AL 35630. Our commitment goes beyond just numbers; with total deposits amounting to $16,974,971 and robust lending capabilities reflected in our total loans of 8,117, we are here to empower you on your financial journey. Plus, with a net worth of $17,998,825 and cash in hand totaling $2,076,417, you can count on us for stability and support. We invite you to explore all that Alabama Central has to offer by visiting our website at alabamacentral.org or by calling us directly at 256-766-9198. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to Alabama Central, a cornerstone of the Florence community in Alabama since 1938. Over the decades, we have grown from humble beginnings to become a trusted financial partner for over 21,500 members. Our journey has been defined by our commitment to serving our members and supporting the local community. Located at 1902 Bruin Dr, Florence, AL 35630, our branch stands as a welcoming hub for financial services. Whether you are looking for personal banking solutions or business financing options, we are here to assist you every step of the way. While members can visit us at this address, official correspondence should be sent to the same location as our mailing address remains unchanged. At Alabama Central, our mission is clear: to empower our members with accessible financial services while actively contributing to community development. We believe that when our members thrive, so does the entire community. This philosophy drives us to provide a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards tailored to fit your needs. As technology has advanced, so have we. Today, we offer online and mobile banking services that make managing your finances easier than ever. Our commitment extends beyond just transactions; we prioritize making banking inclusive with ADA-compliant facilities and initiatives designed with customer convenience in mind. With features like ATM availability and drive-thru service, accessing your funds is quick and straightforward. We take pride in being part of Florence's vibrant community through various outreach efforts and partnerships aimed at supporting local initiatives. Together with our dedicated team of 56 employees led by CEO Brad Haddock and Board President Kaitlyn Brown, we strive daily to enhance the member experience and foster strong relationships within the community. With total assets exceeding $199 million, Alabama Central is not just a credit union; it's a family dedicated to financial wellness. Join us today and discover how we can help you achieve your financial goals while building a stronger community together. Visit us during our lobby hours from Monday to Friday from 9 AM to 5 PM or reach out at 256-766-9198 for more information. Experience the difference at Alabama Central where your dreams matter!

Branch Location & Accessibility

Accessible Banking Experience

At Alabama Central, we prioritize your convenience and accessibility. Our branch offers ample parking spaces and is designed with ADA-compliant features, ensuring everyone can easily enter and navigate our facilities. If you're on the go, we also have a drive-thru available for quick transactions like deposits and withdrawals.

Get in Touch

We invite you to visit us at Alabama Central in Florence! Should you have any questions or need assistance before your visit, don't hesitate to give us a call at 256-766-9198. Our friendly staff is ready to help you with anything you may need. Come see how we can make banking easier for you!

Operating Hours

We know that your time is valuable. That's why we offer flexible operating hours from Monday through Friday, opening our lobby at 9 AM and closing at 5 PM. This gives you plenty of time to stop by before or after work. Our drive-thru service mirrors these hours, providing a hassle-free way to conduct your banking activities.

Services Offered

Our team at Alabama Central is dedicated to meeting all your financial needs. We offer personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. Plus, with ATM access available right here at our branch, you can easily manage your cash withdrawals anytime during business hours. If you're a member of another participating credit union, feel free to take advantage of our shared service center for deposits and withdrawals as well!

Member Eligibility

At Alabama Central, we believe that joining our community is more than just opening a bank account it's about becoming part of a family that supports your financial goals. If you live, work, worship, or attend school in Lauderdale County, you're already on the path to membership! We welcome individuals from all walks of life who share our commitment to helping each other thrive. You can find detailed information about eligibility criteria on our website at Alabama Central Membership Eligibility. Becoming a member at Alabama Central not only opens the door to various banking products and services but also connects you with a network focused on your success. Whether you're looking for checking accounts, auto loans, or online banking options, we have you covered. Ready to take the next step? You can easily open an account by visiting this link or give us a call at (256) 766-9198. We're here to help you every step of the way at our branch located at 1902 Bruin Dr Florence Al 35630 in Florence, AL. Welcome aboard!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In addition to loans, we offer merchant services that streamline your payment processes. Imagine being able to accept payments easily from customers, whether they're shopping online or in-store. Our services provide the tools you need to manage transactions effortlessly, allowing you to focus on what really matters growing your business. Located at 1902 Bruin Dr Florence Al 35630 in Florence, AL, our team is here to guide you every step of the way. Let's work together to turn your vision into reality! For more information, give us a call at (256) 766-9198 or visit our website at https://alabamacentral.org/ .

Comprehensive List Of Services

Business Banking

If you're a business owner, we understand that every decision counts. Our business banking services, including merchant services and business loans, are here to support your growth and success. We strive to make banking as simple as possible so you can focus on what matters most running your business.

Digital Banking

In today's fast-paced world, convenience is key. That's why at Alabama Central, we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and even pay bills all from the comfort of your home or on the go. And if you prefer in-person transactions, our branch provides essential ATM and cash withdrawal services, along with basic drive-thru banking for quick deposits and withdrawals.

Personal Banking

Our personal banking services are tailored just for you. Open a checking or savings account to start managing your money more effectively. If you're planning on making a big purchase like a car, our auto loans and vehicle financing options can help you get behind the wheel without the stress of high-interest rates. We also offer mortgage loans and refinancing solutions for those ready to buy their first home or refinance an existing mortgage to take advantage of better rates. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation options can provide the relief you need. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases that lead to exciting benefits.

Shared Branch Transactions

As part of our commitment to accessibility, we also offer basic shared branch transactions for members of partner credit unions. This means you can make deposits and withdrawals even when you're away from our branch. At Alabama Central, we prioritize making financial services accessible for everyone in Florence. With friendly staff ready to assist you at every turn, we're here to ensure that your banking experience is both enjoyable and efficient. Ready to explore all that Alabama Central has to offer? Visit us today or give us a call at 256-766-9198! Discover how we can help you achieve your financial goals with ease and convenience.

Digital & Online Banking

Banking Made Simple

We know that life gets busy, so we've made our mobile payments feature available for quick transactions directly from your smartphone. And if you ever need assistance or want to learn more about our services, our team is just a phone call away at (256) 766-9198. At Alabama Central, we're dedicated to providing you with all the tools you need for effective real-time account management. Join us in making banking easier than ever!

Key Services for You

Our online banking service operates 24/7, allowing you to check your account balances, view transaction history, and transfer funds whenever it suits you. Whether you're at home or on the go, our user-friendly mobile application makes banking even more convenient. Plus, with features like person-to-person transfers, sending money to friends or family is just a few taps away. Security is a top priority for us. We provide electronic signature authorization, ensuring that your transactions are both safe and efficient. You can also opt for e-statements, which not only help keep your financial records organized but also reduce paper clutter.

Financial Strength

Growing Membership Base

Total Share Accounts stand at an impressive 27,082, showing a strong and growing member base that trusts us with their finances. As we continue to expand our offerings and services at our branch located at 1902 Bruin Dr., Florence AL 35630, you can count on us as your trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alabama Central is here to help you achieve your financial goals. Visit us at 1902 Bruin Dr or call us at 256-766-9198 to learn more about how we can assist you today!

Investing in Your Future

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 your financial goals across various sectors; we have $26,530,000 in used auto loans and a total of $146,570,767 in loans and leases available.

Member-Centric Resources

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.

Solid Financial Health

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.

Strong Operational Efficiency

Our operational efficiency is reflected by 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 and committed team.

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 us to support your automotive needs. We also provide refinancing options if you're interested in lowering your current payments.

Business Financing

For business owners, our outstanding commercial loans totaling $15,437,869 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges and opportunities; our team is ready to assist you with tailored solutions. At Alabama Central Credit Union, we prioritize transparency and support throughout your borrowing experience. If you have any questions or would like to explore your options further, don't hesitate to reach out to us at 256-766-9198. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore our loan offerings today and see how we can help you take that important next step!

Credit Solutions

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 come with benefits that can make daily purchases more manageable and rewarding.

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 are here to guide you through the process every step of the way.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

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ALABAMA CENTRAL CREDIT UNION - Florence, AL