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

Introduction

Welcome to Alabama Central at our Downtown Florence branch, located conveniently at 501 E Dr Hicks Blvd Ste E, Florence, AL 35630. Established in 1938, we have proudly served our community for over eight decades, building lasting relationships with our 21,533 members. Our commitment to your financial well-being is evident in our robust portfolio of services, including personal and business banking solutions tailored to meet your needs. At Alabama Central, we understand that trust is paramount. That's why we focus on transparency and reliability. With total assets reaching an impressive $199,689,295, and total deposits amounting to $16,974,971, you can feel confident that your money is safe with us. We also offer a variety of loan options over 8,117 loans and leases have been granted to help our members achieve their financial goals. Our leadership team is dedicated to serving you. Under the guidance of our CEO, Brad Haddock, and Board President, Kaitlyn Brown, we strive to create a welcoming environment where every member feels valued. Whether you're looking for a new auto loan or need assistance with a mortgage refinance, our experienced staff of 56 employees is here to help. While members can visit us at the branch for all their banking needs, official correspondence should be sent to the same address: 501 E Dr Hicks Blvd Ste E, Florence, AL 35630-5742. For any questions or assistance, don't hesitate to reach out at (256) 712-2788. Join us as we continue to make a positive impact in Florence and beyond! Explore our services today by visiting our website or give us a call. Your journey towards financial success starts here!

Branch History & Mission

At Alabama Central, we take pride in our rich legacy of serving the Florence community since our doors first opened in 1938. Over the years, we have grown alongside our members, evolving to meet their financial needs while staying true to our core mission: to empower individuals and families through accessible financial services and community support. Located at 501 E Dr Hicks Blvd Ste E, Florence, AL 35630, our branch is not just a place to conduct transactions; it's a hub of support for the local community. Whether you're visiting us for personal banking services or seeking guidance on loans and financial planning, you'll find that our friendly team is here to help. We also offer convenient drive-thru banking and ATM access for those who prefer quick and easy transactions. As of today, Alabama Central proudly serves over 21,000 members with total assets reaching an impressive $199,689,295. This growth reflects our commitment to providing excellent service and innovative solutions tailored to our members' unique needs. Our headquarters in Birmingham continues to support us as we expand our offerings in Florence. Our mission goes beyond just banking; we aim to make a real difference in the lives of our members and the community at large. We believe that everyone deserves access to quality financial services that can help them achieve their goals. From checking and savings accounts to auto loans and mortgage refinancing, we provide a range of products designed with your success in mind. In addition to traditional banking services, Alabama Central actively engages in community outreach initiatives. We partner with local organizations to support various causes that uplift our neighbors and enhance the quality of life in Florence. These partnerships allow us to give back and foster a sense of belonging among all residents. While members can visit us at 501 E Dr Hicks Blvd Ste E, official correspondence should be sent to 501 E Dr Hicks Blvd Ste E, Florence, AL 35630-5742 if needed. We are open Monday through Friday from 9 AM to 5 PM for both lobby and drive-thru services. We invite you to join Alabama Central and experience firsthand the benefits of being part of a credit union that truly cares about its members. Let's work together toward your financial goals because when you succeed, we all succeed! For more information or assistance, don't hesitate to call us at (256) 712-2788 or visit our website at Alabama Central.

Branch Location & Accessibility

ATM Availability and Shared Services

Need cash on the go? We've got you covered with an ATM available right at our branch. Additionally, we participate in shared services, allowing members from partner credit unions to access basic transactions with ease. While members can visit us at 501 E Dr Hicks Blvd Ste E Florence Al 35630, official correspondence should be sent to 501 E Dr Hicks Blvd Ste E, Florence, AL 35630-5742. If you have any questions or need assistance, feel free to reach out at (256) 712-2788. We invite you to come by and see how we can support your financial journey today!

Nearby Landmarks and Accessibility

Our location is just a stone's throw away from popular spots like the Florence-Lauderdale Public Library and the beautiful River Heritage Park. This makes it not only easy to stop by during your errands but also a pleasant part of your day out. We offer ample parking right outside our doors, ensuring that you can get in and out without any hassle. Plus, our facility complies with ADA standards, featuring ramps and accessible entrances to make sure everyone can visit us comfortably.

Operating Hours & Services

We're here to serve you during convenient hours! Visit our lobby Monday through Friday from 9 AM to 5 PM, and if you prefer drive-thru service, we're happy to assist you during those same hours. At Alabama Central, we provide a range of services tailored to meet your needs whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or business banking solutions.

Member Eligibility

Becoming a member of Alabama Central is like joining a welcoming family that truly cares about your financial well-being. If you live, work, or worship in the Florence area, you're already on the right track! Our community-focused credit union is dedicated to serving its members with personalized services tailored just for you. Plus, as a member of Alabama Central, you'll enjoy a range of benefits including competitive loan rates and exceptional customer service that feels just like home. To get started, simply check out the eligibility criteria at . It's straightforward and easy to understand! Once you're ready to open an account, visit us at https://secure.alabamacentral.org/alabamacentralonlinebanking/sdk/autoenrollmente2e. If you have any questions or need assistance, don't hesitate to reach out at (256) 712-2788. We're excited to welcome you into our community at Alabama Central, located at 501 E Dr Hicks Blvd Ste E Florence Al 35630!

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. This funding empowers local entrepreneurs to hire more staff, upgrade equipment, or open new locations.

Merchant Services

In addition to loans, we offer essential merchant services that make transactions smoother for your customers. Picture this: a bustling café where patrons can pay effortlessly with their cards or mobile wallets. Our merchant solutions facilitate quick payments and help enhance customer satisfaction, allowing you to focus on what you do best running your business. 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. Whether you're looking for financing options or need reliable merchant services, Alabama Central at 501 E Dr Hicks Blvd Ste E Florence Al 35630, Florence, AL is here to support your journey toward success. Reach out at (256) 712-2788 to learn more!

Comprehensive List Of Services

Accessing Our Services

Visiting us is easy! You can find us at 501 E Dr Hicks Blvd Ste E, Florence, AL 35630. Feel free to give us a call at 256-712-2788 if you have questions about any of our services or need assistance. Our lobby hours are Monday through Friday from 9 AM to 5 PM. At Alabama Central, we believe in making banking accessible and straightforward for everyone. Join us today and discover how our comprehensive financial services can make a difference in your life! Ready to get started? Visit us online at Alabama Central or stop by our branch!

Business Banking

For our business members, we provide essential resources through our Business Banking services. From Merchant Services that simplify payment processing to various Business Loans designed to fuel your growth, we're committed to supporting local businesses every step of the way.

Digital and Convenient Banking Solutions

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features, allowing you to manage your accounts from anywhere at any time. Need cash? Our ATMs provide easy access for withdrawals and balance checks without hassle. Plus, with options like Person-to-Person payments, sending money to friends or family is quick and simple. If you're on the go, our basic drive-thru banking lets you handle deposits, withdrawals, and other transactions without leaving your car. For members of partner credit unions, we also provide access to shared branch transactions for added flexibility.

Personal Banking

For individuals seeking reliable banking options, we offer Checking & Savings Accounts that help you manage your finances effectively. If you're dreaming of a new car, our Auto Loans & Vehicle Financing can make that dream a reality with competitive rates and flexible terms. Homeowners can take advantage of our Mortgage Loans & Refinancing options, designed to help you secure the best possible deal on your property. Need some extra cash? Our Personal Loans & Debt Consolidation services are here to help you handle unexpected expenses or streamline your debt. And don't forget about our Credit Cards with Rewards, which allow you to earn points on your everyday purchases.

Digital & Online Banking

Enhanced Features for Your Convenience

We also offer electronic signature authorization, which means you can complete important transactions without needing to visit a branch. Need to view your statements? With e-statements available, you'll receive them directly in your email no more waiting for paper copies! Additionally, our person-to-person transfer feature lets you send money to friends or family instantly, making it easier than ever to split bills or send gifts.

Key Services

With just a few clicks, you can log in to our online banking platform at https://alabamacentral.org/. Here, you can check your balance, pay bills, and transfer funds whenever it's convenient for you. Plus, if you prefer to handle things through your smartphone, our mobile application is available for easy access right at your fingertips. You can even make mobile payments directly from your device, making transactions quick and straightforward.

Security You Can Trust

Your security is our top priority. All transactions are protected with state-of-the-art encryption technology to keep your personal information safe. Our user-friendly interface ensures that navigating your accounts is simple and stress-free. At Alabama Central, we are committed to providing you with the tools and resources needed for real-time account management. Explore all the ways our digital banking services can simplify your financial life today!

Financial Strength

Commitment to Innovation

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 $14,657,076 in total loans and leases and 2,653 used auto loans available to meet your needs.

Growing Membership Base

We proudly serve 27,082 total share accounts, showing a strong and growing member base that trusts us with their finances. As we continue to grow together with our community, our financial strength means we can keep serving you with confidence. Whether you're saving for the future or looking for support with loans or other financial needs, Alabama Central is here for you. Visit us at 501 E Dr Hicks Blvd Ste E, Florence AL 35630 or call us at 256-712-2788 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.

Member Savings Security

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.

Operational Efficiency

Our financial performance reflects our operational efficiency. Although our net income is currently $0, this allows us to focus entirely on improving member services without immediate profit pressures. 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.

Strong Financial Position

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.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we've got you covered with tailored options.

Credit Lines & Unsecured Credit Cards

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. Additionally, our credit lines provide quick access to cash when you need it most. For business owners looking for capital to grow and expand operations, our outstanding commercial loans totaling $15,437,869 are designed to support your entrepreneurial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $5,688,878, making buying or refinancing simple. We provide guidance throughout the process to ensure you understand your options and can make informed decisions.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various products, we encourage you to reach out. Our team is here to help you navigate the refinancing process smoothly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to give us a call at 256-712-2788 or visit us online at Alabama Central for more information about how we can assist you with your lending needs today!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights the practical benefits of using this platform for your borrowing needs. 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.

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). This ensures fair and transparent offers for all users. Each loan comparison reflects accurate rates, giving you confidence in the choices you make.

Alabama Central