Alabama Central Credit Union Mobile AL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Alabama Central in Mobile, where we believe in building strong relationships with our members and fostering financial well-being for our community. Established in 1938, we have grown alongside you, proudly serving over 21,500 members with a commitment to excellence. With total assets of $199,689,295, we are here to help you navigate your financial journey with confidence. Our branch is conveniently located at 4318 Downtowner Loop N, Mobile, AL 36609. While you can visit us there for all your banking needs, please send any official correspondence to the same address. At Alabama Central, we offer a variety of services including personal banking, auto loans, mortgage financing, credit cards, and business banking solutions tailored just for you. Under the leadership of our dedicated CEO, Brad Haddock, and Board President Kaitlyn Brown, our team of 56 employees is here to ensure you receive personalized service every step of the way. We understand that each member's financial situation is unique, which is why we work hard to provide customized solutions that meet your specific needs. With total deposits reaching $16,974,971 and cash in hand amounting to $2,076,417, we are well-prepared to support your financial aspirations. Whether you're looking to buy a new car or save for a home, our competitive rates on loans over 8,117 loans and leases make it easier than ever for you to achieve your goals. At Alabama Central Credit Union, our mission extends beyond mere transactions; we strive to make a positive impact in the communities we serve. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members. Ready to take the next step? Call us at 251-343-1692 or visit us online at Alabama Central to learn more about how we can help you thrive financially!

Branch History & Mission

Community Focus

We understand the importance of giving back. Our partnerships with local organizations and involvement in community outreach initiatives reflect our dedication to making Mobile a better place for all. Whether it's through sponsoring local events or offering financial literacy workshops, Alabama Central strives to be a positive force in the lives of those around us. As we continue this journey together, we invite you to join Alabama Central. Experience firsthand the benefits of membership: personalized service, competitive rates, and a supportive community ready to help you achieve your financial goals. Visit us today or call us at 251-343-1692 to learn more about how we can assist you on your path to financial success!

Our Journey

The journey of Alabama Central began with a simple mission: to empower individuals and families through accessible financial solutions. As we evolved, we embraced opportunities to expand our services while keeping our core values intact. From offering personal banking products like checking and savings accounts to providing auto loans, mortgages, and business banking options, we aim to support every member's financial journey. Our branch address places us right near several local landmarks, making it easy for you to visit us. While members can find us at 4318 Downtowner Loop N, official correspondence should be sent to the same mailing address for your convenience.

Our Mission

At Alabama Central, our mission is clear: we are dedicated to improving the financial well-being of our members and fostering strong community ties. We believe in providing not just banking services but also education and support that help individuals make informed financial decisions. Our commitment extends beyond transactions; it involves building relationships based on trust and respect. We are proud of our digital advancements that enhance member experience while ensuring ADA compliance. Through online banking and mobile payments, we make managing finances easier than ever before.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch is designed to be welcoming and accessible, featuring ADA-compliant entrances and ramps so that everyone can easily access our services. Plus, we have ample parking available right outside, ensuring that your visit is as stress-free as possible.

Get in Touch

Have questions? Feel free to give us a call at 251-343-1692! We're excited to help you achieve your financial dreams. Visit us soon at Alabama Central on Downtowner Loop N where community banking meets exceptional service!

Operating Hours

Our doors are open Monday through Friday from 9 AM to 5 PM, providing you with plenty of time to come in and discuss your financial goals or ask any questions you may have. Whether you're looking to open an account, apply for a loan, or simply want to learn more about our offerings, we're here for you during these hours.

Services Offered

At Alabama Central, we offer a range of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards our team is ready to assist you every step of the way. We also provide business banking solutions like merchant services and business loans. While we currently do not have ATM services or drive-thru banking at this location, we do have shared service center options available for basic transactions like deposits and withdrawals for partner credit union members.

Member Eligibility

Becoming a member of Alabama Central is like joining a close-knit community where your financial well-being is our priority. If you're looking to be part of something special, you'll find that eligibility is simple and welcoming. Generally, membership is open to individuals who live, work, or worship in the area surrounding our branch at 4318 Downtowner Loop N Mobile Al 36609. This means if you're part of the Mobile community, we'd love to have you on board! Joining us not only gives you access to a variety of financial services tailored for your needs but also connects you with a team that truly cares about helping you achieve your goals. Getting started is easy! You can learn more about the specific eligibility requirements by visiting our website at . When you're ready to take the next step, opening an account is just a click away through this link: https://secure.alabamacentral.org/alabamacentralonlinebanking/sdk/autoenrollmente2e. If you have any questions or need assistance, feel free to give us a call at (251) 343-1692. We're here for you every step of the way as you embark on your journey with Alabama Central!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify daily transactions. Imagine having the ability to accept payments anytime, anywhere. Our services ensure you can focus on what you do best running your business while we handle the payment processing. This means more time for you and more convenience for your customers. Located at 4318 Downtowner Loop N, Mobile, AL 36609, our dedicated team is ready to assist you. For inquiries or more information about how we can help your business thrive, give us a call at 251-343-1692. Let's grow together!

Tailored Loan Options for Growth

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.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners in Mobile, we have comprehensive business banking services available. From merchant services that streamline transactions to business loans that support your growth plans, we are committed to empowering local businesses.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at Alabama Central, we prioritize digital banking features like online and mobile banking, enabling you to manage your accounts from anywhere at any time. You can easily check balances, transfer funds, pay bills, and even make person-to-person payments all from your smartphone or computer.

Credit Cards and Rewards

We know that every little bit counts when it comes to rewards. That's why we offer credit cards with rewards that allow you to earn points on everyday purchases. Use those points for travel, gifts, or even cash back it's all about what works best for you.

Personal Banking

Our personal banking services are designed to simplify your everyday financial tasks. We offer checking and savings accounts that fit various lifestyles, helping you manage your money effectively. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easier than ever to hit the road in style. For those looking to invest in real estate, our mortgage loans and refinancing solutions can help turn your dream home into reality. Plus, if you find yourself needing extra funds for personal projects or unexpected expenses, our personal loans and debt consolidation services provide the flexibility you need.

Shared Branching Services

Additionally, as part of our commitment to community service, we offer basic shared branch transactions for partner credit union members. This means you can perform deposits and withdrawals conveniently without having to travel far from home. Whether you're visiting us at our Mobile branch or accessing our services online, we're here to make your banking experience as smooth as possible. If you have any questions or want more information about how we can assist you with our wide array of services, please don't hesitate to reach out! Call us at 251-343-1692, visit us in person during lobby hours (Monday through Friday from 9 AM - 5 PM), or explore more on our website Alabama Central. Let us help you achieve your financial dreams today!

Digital & Online Banking

Always Accessible

Our commitment to providing excellent service means you can enjoy real-time account management whenever you need it. Whether it's day or night, our online banking services are always available for you to use. At Alabama Central, we prioritize both convenience and security in every transaction. Join us today and experience how easy banking can be!

Convenient Online Services

With our online banking platform available at https://alabamacentral.org/, you can easily access your accounts 24/7. Whether you need to check your balance, pay bills, or transfer money, our user-friendly interface makes it all straightforward. Plus, with electronic signature authorization available, you can complete transactions securely without any hassle.

Mobile Banking Made Easy

For those who prefer banking on their smartphones, our mobile application is here to help. You can use it to make mobile payments, conduct person-to-person transfers, and monitor your accounts all from the palm of your hand. No more waiting in line or rushing to get to the bank everything you need is right there at your fingertips.

Stay Updated with E-Statements

Say goodbye to paper clutter! With our e-statements feature, you can receive your account statements electronically. This not only helps keep your information organized but also provides an eco-friendly way to manage your finances.

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. With a firm foundation built on trust and reliability, we strive to provide you with the best services possible. 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 and stronger lending options to serve our members better. Our lending capacity is evident with $14,657,076 in total loans and leases, including 2,653 used auto loans, supporting your financial goals across various sectors. Our operational efficiency is highlighted by our reported net income of $0, which reflects our commitment to providing value to our members through competitive loan rates and solid financial products. 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. Total Share Accounts stand at 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. For more information about how we can help you achieve your financial goals or if you have any questions about our services, feel free to visit us at 4318 Downtowner Loop N Mobile Al 36609 or call us at 251-343-1692. *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 flexible terms and competitive rates so you can find a payment plan that works for you.

Business Loans

For business owners, our outstanding commercial loans totaling $15,437,869 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or cover operational costs, we are here to support your business journey. At Alabama Central located at 4318 Downtowner Loop N Mobile Al 36609, we pride ourselves on being a community-focused credit union. Our knowledgeable team is ready to assist you in exploring these loan options further. Feel free to reach out at 251-343-1692 during our lobby hours from Monday through Friday between 9 AM and 5 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. We look forward to helping you achieve your financial objectives!

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 offer personalized assistance to guide you through the process and help you understand your eligibility options.

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. These cards come with benefits that can help simplify your spending and improve your cash flow management.

Loan Aggregator

No Sponsored Listings

LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can compare loans without worrying about hidden agendas or favoritism.

Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, users can make informed choices quickly and easily. This feature empowers you to select the best option for your financial situation. 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!" 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.

Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. With LendMesh, you can trust that the information presented is accurate and up-to-date.

Alabama Central