Alabama Central Credit Union Russellville AL | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Alabama Central, your trusted financial partner located at 13499 Highway 43, Russellville, AL 35653. Since our establishment in 1938, we have dedicated ourselves to serving the community with a strong commitment to member satisfaction and financial well-being. With a membership base of over 21,500 individuals, we take pride in being an integral part of the lives of those we serve. At Alabama Central, we understand that managing your finances can sometimes be overwhelming. That's why our experienced team is here to provide you with personalized solutions tailored to your unique needs. From checking and savings accounts to auto loans and mortgage financing, we offer a wide range of services designed to help you achieve your financial goals. Our total assets stand at an impressive $199,689,295, demonstrating our stability and reliability in the financial landscape. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 13831 Highway 43, Russellville, AL 35653. This ensures that you receive timely responses to any inquiries or requests you may have. Our leadership team, led by CEO Brad Haddock and Board President Kaitlyn Brown, is committed to fostering a welcoming environment where members feel valued and supported. Together with our dedicated staff of 56 employees, we work tirelessly to create a positive impact on our community. With total deposits of $16,974,971 and net worth reaching $17,998,825, Alabama Central is not just a credit union; we are a cornerstone of financial security for our members. We also proudly maintain over $2,076,417 in cash reserves, ensuring that we are always ready to assist you when it matters most. We invite you to explore all that Alabama Central has to offer. Whether you're looking for assistance with personal banking or business solutions like merchant services and loans, we're here for you. Feel free to reach out via phone at 256-332-3000 or visit our website at alabamacentral.org for more information. Let's work together towards a brighter financial future!

Branch History & Mission

Community Impact

We understand that true success goes beyond numbers; it lies in making meaningful connections. Our branch actively participates in community outreach programs and initiatives that uplift those around us. We partner with local organizations to provide resources and support for various community needs. Whether through financial literacy workshops or charitable contributions, Alabama Central strives to make a positive difference.

Innovative Services

In today's fast-paced world, we recognize the importance of convenience without compromising service quality. That's why we've embraced digital advancements to enhance your banking experience. From online banking and mobile payments to ATM availability and shared service centers, we've made it easier than ever for you to manage your finances on your terms. For those who prefer face-to-face interactions, our drive-thru banking services are available during lobby hours: Monday through Friday from 9 AM to 5 PM. While members can visit us at 13499 Highway 43, official correspondence should be sent to 13831 Highway 43, Russellville, AL 35653 if different from our branch address.

Join Us

At Alabama Central, we're not just about transactions; we're about building relationships that last a lifetime. With over 21,000 satisfied members and a commitment to excellent service, we invite you to become part of our family. Experience firsthand the benefits of being a member where your financial future matters most. Join us today by calling 256-332-3000 or visiting us at www.alabamacentral.org. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Accessibility Features

At Alabama Central, we believe in providing easy access for everyone. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and spacious parking areas. You can feel confident knowing that we prioritize your comfort and convenience during your visit.

Call to Action

We invite you to visit us soon! If you have questions or need more information, don't hesitate to give us a call at 256-332-3000. Let Alabama Central be your trusted partner in achieving your financial goals!

Operating Hours

We understand that life can be busy! That's why our lobby is open Monday through Friday from 9 AM to 5 PM, so you can drop by when it's most convenient for you. If you're in a hurry, take advantage of our drive-thru service during the same hours it's perfect for quick deposits and withdrawals!

Services Offered

Alabama Central offers a range of services tailored to meet your banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, our ATM is available on-site for those who prefer cash transactions. If you're part of a partner credit union, you can also enjoy shared service center transactions right here.

Member Eligibility

Joining the family at Alabama Central is a wonderful way to gain access to personalized financial services and a supportive community. If you live, work, or worship in the area, you're likely eligible to become a member! We believe that everyone deserves the opportunity for better financial solutions, and our doors are open to help you achieve your goals. You can learn more about the specific eligibility criteria by visiting our website at . Opening an account with us is simple and straightforward. Just head over to our account opening page at https://secure.alabamacentral.org/alabamacentralonlinebanking/sdk/autoenrollmente2e, or give us a call at (256) 332-3000 if you have any questions. Our friendly team is ready to assist you every step of the way! Come see us at 13499 Highway 43 Russellville Al 35653, and let's embark on this financial journey together.

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 provide essential merchant services that simplify transactions for your business. Whether you run a retail shop or an online store, our services help streamline payment processes so you can focus on what you do best serving your customers. By choosing Alabama Central, you're not just getting a financial partner; you're gaining access to resources that can elevate your business operations. Located at 13499 Highway 43 Russellville Al 35653 in Russellville, AL, we're here to support the dreams of entrepreneurs like you. Contact us today at (256) 332-3000 to discover how we can assist you on your journey toward success!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? Our ATM services make it easy to withdraw cash whenever you need it. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for those busy days when every minute counts.

Business Banking Solutions

For our entrepreneurial members, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support your business goals.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! These cards not only give you purchasing power but also reward you for every dollar spent, making everyday purchases more rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Alabama Central provides robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. You can check balances, transfer money, pay bills, and even send money to friends through our secure person-to-person payment service.

Personal Banking Services

Managing your personal finances can feel overwhelming, but at Alabama Central, we simplify it for you. We offer checking and savings accounts that make it easy to keep track of your money while earning interest on your savings. Need a new car? Our auto loans and vehicle financing options are designed to get you behind the wheel without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our mortgage loans come with competitive rates to help you find the best fit for your budget. Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation solutions come into play. They provide quick access to funds when you need them most, helping you regain control of your finances.

Shared Branch Transactions

We also understand that sometimes flexibility is necessary. That's why we offer shared branch transactions, allowing members from partner credit unions to perform basic deposits and withdrawals right here at Alabama Central. At Alabama Central in Russellville, we are committed to providing financial solutions that fit seamlessly into your lifestyle. For any questions about our services or to get started today, call us at 256-332-3000 or visit us online at alabamacentral.org. Let us help you achieve your financial dreams!

Digital & Online Banking

Key Features

With our online banking services, you can effortlessly check your account balances, transfer funds, and pay bills without stepping foot into a branch. We also offer electronic signature authorization, making it simple to complete transactions securely from the comfort of your home. Want to stay organized? Sign up for e-statements to receive your monthly statements electronically no more paper clutter! For those who enjoy managing their finances on-the-go, our mobile application is a must-have. Available on both iOS and Android devices, it allows you to perform all your essential banking tasks right from your phone. Plus, with features like mobile payments, paying for purchases has never been easier or quicker.

Stay Connected

Have friends or family who need to send you money? With our person-to-person transfer feature, sharing funds is as easy as sending a text! Whether it's splitting a dinner bill or helping out with a gift, you're just a few taps away from making it happen. We know security is important to you. That's why our online banking services come equipped with top-notch security measures to protect your information and ensure peace of mind while banking digitally. In summary, Alabama Central offers an array of digital and online banking options that prioritize accessibility and ease-of-use. Whether you're at home or on the move, we provide the tools you need for real-time account management. Ready to get started? Visit us today at https://alabamacentral.org/!

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 showcase our strong financial foundation, which reassures you that your money is in safe hands. 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. Our commitment to your future is reflected in our $17,732,369 in undivided earnings, which we reinvest into innovative banking tools and stronger lending options to serve you better. With $2,653 in used auto loans and a total of $146,570,767 in loans and leases, our lending capacity supports your financial goals across various sectors. Even during challenging times, our operational efficiency shines through with a net income of $0, allowing 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. Total Share Accounts stand at an impressive 27,082, showing 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 13499 Highway 43 Russellville Al 35653 or call 256-332-3000 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 also provide refinancing options for existing auto loans if you're looking to lower your monthly payments or secure a better rate.

Credit Lines and Commercial Loans

For those needing additional support for business ventures or personal projects, our total credit lines amount to $79,475,264, providing the necessary funds for various financial needs. Additionally, our outstanding commercial loans totaling $15,437,869 are available for business owners looking to grow and expand their operations. At Alabama Central, we believe that financial empowerment starts with access to affordable lending options. Visit us today or check out our website at Alabama Central for more information on how we can assist you in achieving your financial dreams. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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 guide you through the process and offer eligibility options to ensure you find the right fit for your budget.

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 designed to give you more control over your spending.

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. With a focus on transparency and reliability, LendMesh is designed to help users make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data 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 means that every loan offer displayed is fair and transparent, allowing users to trust the information they see. One key benefit of using LendMesh is its commitment to Verified Data. All loan offers come from legitimate financial institutions, ensuring that users are presented with accurate and reliable options. Additionally, LendMesh stands out for its policy of No Sponsored Listings. Unlike many comparison tools that prioritize lenders based on paid promotions, LendMesh's goal is to provide unbiased results so users can truly compare their options. Another significant advantage is the Real-Time Rate Comparisons feature. Users have access to up-to-date loan rates from multiple institutions, which empowers them to make educated choices about their financing needs. 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 testament reflects the platform's effectiveness in helping individuals secure better financial outcomes. 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