Alabama Central Credit Union Tuscaloosa AL | Top Auto Loans & Business Banking

Introduction

Welcome to Alabama Central in Tuscaloosa, where our commitment to community and member service shines bright! Located at 1121 Veterans Memorial Pkwy, Tuscaloosa, AL 35404, we have been proudly serving our members since 1938. With a dedicated team of 56 employees, led by CEO Brad Haddock and Board President Kaitlyn Brown, we are here to support your financial journey. At Alabama Central, our strength lies in our numbers. We boast a total membership of over 21,533 and manage assets amounting to an impressive $199,689,295. Our members trust us with their savings, as reflected in our total deposits of $16,974,971. Moreover, we offer a wide range of loan options with a total of 8,117 loans and leases available for various needs. We understand that every dollar counts. That's why we maintain a robust net worth of $17,998,825, ensuring the financial stability you deserve. With $2,076,417 in cash on hand and a net member business loan balance of $15,437,869, Alabama Central is well-equipped to meet your banking needs. While members can visit us at our branch location for personal banking services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking official correspondence should be sent to the same address: 1121 Veterans Memorial Pkwy. Our mission is clear: we strive to make financial services accessible and beneficial for everyone in our community. Whether you're looking for simple transactions through our drive-thru or advanced online banking features like mobile payments and e-statements, we've got you covered. Ready to experience exceptional service? Contact us today at 205-342-0551 or visit our website at Alabama Central to learn more about how we can help you achieve your financial goals!

Branch History & Mission

At Alabama Central, our journey began in 1938 with a simple yet powerful vision: to serve our community by providing accessible financial services. Nestled in the heart of Tuscaloosa at 1121 Veterans Memorial Pkwy, we have grown from humble beginnings into a trusted financial partner for over 21,500 members. Our mission has always been to enhance the lives of those we serve by offering a range of banking solutions tailored to their needs. Over the years, Alabama Central has evolved significantly, adapting to the changing needs of our members while remaining steadfast in our commitment to community support. Our total assets have reached an impressive $199,689,295, reflecting our dedication to responsible growth and financial stewardship. We are proud to offer a variety of services that include personal banking, auto loans, mortgages, and business banking solutions, ensuring that all members can find what they need under one roof. Our mission is clear: we aim to empower our members through education and support while fostering a sense of community belonging. We strive not only to provide exceptional financial products but also to actively engage in community outreach initiatives. Through partnerships with local organizations and programs, we work diligently to give back and contribute positively to the lives of those around us. While members can visit us at 1121 Veterans Memorial Pkwy, official correspondence should be sent to 1121 Veterans Memorial Pkwy, Tuscaloosa, AL 35404 if different from our branch address. Alabama Central is committed to embracing technology while ensuring accessibility for all. We offer digital banking options like online banking and mobile payments along with traditional banking methods such as drive-thru services and ATMs available on-site. This blend ensures that our members can manage their finances conveniently while receiving personalized service when needed. As we look ahead, we invite you to join the Alabama Central family. Experience firsthand the benefits of membership and discover how we can help you achieve your financial goals. Together, let's build a stronger community! For more information or assistance, feel free to reach out at 205-342-0551 or visit us online at Alabama Central.

Branch Location & Accessibility

Contact Us Today!

Have questions or want more information? Don't hesitate to give us a call at 205-342-0551. We look forward to welcoming you into our branch soon! While members can visit us at 1121 Veterans Memorial Pkwy, official correspondence should be sent to the same address for convenience. Experience the difference at Alabama Central where your financial well-being is our priority!

Nearby Landmarks and Accessibility

You can find us just a stone's throw away from local favorites like the Tuscaloosa Amphitheater and the University of Alabama campus, making it easy to combine errands with leisure activities. Our location boasts ample parking and is equipped with ADA-compliant features, including ramps to ensure everyone can visit us comfortably.

Operating Hours and Services

Our lobby is open Monday through Friday from 9 AM to 5 PM, providing flexibility for you to manage your banking on your schedule. If you prefer drive-thru service, we offer the same hours so you can handle your transactions without leaving your car. For those in need of cash or quick banking services, we also have an ATM available on-site. At Alabama Central, we pride ourselves on providing a variety of services tailored to fit your lifestyle. From personal banking options like checking and savings accounts to auto loans and business banking solutions, we are here to help you every step of the way. Plus, if you're a member of another participating credit union, feel free to use our shared service center for deposits and withdrawals!

Member Eligibility

Becoming a member of Alabama Central is like joining a close-knit family where your financial goals are prioritized. If you live, work, or worship in our community, or if you have a family member who is already a member, you're eligible to join us at our branch located at 1121 Veterans Memorial Pkwy Tuscaloosa Al 35404. We welcome everyone with open arms and aim to provide services that truly benefit our members. Once you're part of our community, you'll enjoy access to personalized banking solutions designed just for you, from savings accounts to loans tailored to your needs. The process of becoming a member is simple! Just give us a call at (205) 342-0551, or visit our website for more details on how to open an account and begin your journey with us: https://secure.alabamacentral.org/alabamacentralonlinebanking/sdk/autoenrollmente2e. For the most up-to-date eligibility criteria and specific details, feel free to check out this resource: . We can't wait to help you thrive!

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 has enabled local companies to expand their operations, hire more staff, and invest in new technologies. - 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 practical merchant services designed to streamline your day-to-day operations. Whether you're looking to accept card payments or manage your cash flow more effectively, our services help you focus on what matters most running your business. Imagine being able to process transactions quickly and securely while providing your customers with a smooth shopping experience. Visit us at 1121 Veterans Memorial Pkwy Tuscaloosa Al 35404 in Tuscaloosa, AL or call us at (205) 342-0551 to discover how our business banking and commercial services can support your goals. Together, we can build a brighter future for your business!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash in a hurry? Our ATM and cash withdrawal services provide easy access to your funds whenever needed. Plus, our drive-thru service offers simple transactions like deposits and withdrawals without having to park your car.

Business Banking

For small business owners, we have tailored solutions just for you! Our business banking services, including merchant services and business loans, are aimed at helping your venture thrive. Whether you're starting a new business or looking to expand an existing one, we can assist you with the right financial tools.

Credit Cards and Rewards

Don't forget about our credit card options! We offer credit cards with rewards that allow you to earn points on your purchases. This means every time you swipe your card for groceries or gas, you're also earning rewards that can be redeemed for future benefits.

Digital Banking Convenience

In today's busy world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With our mobile app, making transactions is as easy as tapping your phone. You can check balances, transfer funds, and even make person-to-person payments without stepping foot in the branch.

Personal Banking

We understand that everyone's financial journey is unique. That's why our personal banking services are designed with you in mind. From opening a checking or savings account to help you manage daily expenses, to offering auto loans and vehicle financing for your dream car, we've got you covered. If you're thinking about buying a home, our mortgage loans and refinancing options can guide you through the process smoothly. For those unexpected expenses, our personal loans and debt consolidation services provide flexible solutions to get back on track.

Shared Branch Transactions

As part of our community focus, we also facilitate basic shared branch transactions for partner credit union members. This means if you're traveling or away from home, accessing your funds is still a breeze. At Alabama Central, we aim to simplify banking for all our members. With convenient hours from Monday to Friday and multiple ways to access your accounts whether through a physical visit at our location at 1121 Veterans Memorial Pkwy Tuscaloosa AL 35404, by calling us at 205-342-0551, or online we're here to support your financial goals. Ready to experience the Alabama Central difference? Visit us today or explore more at alabamacentral.org. Your financial journey starts here!

Digital & Online Banking

Access Your Accounts Anytime

With our 24/7 online banking services available at https://alabamacentral.org/, you can check your balances, transfer funds, and pay bills with just a few clicks. No need to wait in line or worry about banking hours; everything you need is right at your fingertips.

Connect Effortlessly

Need to send money to a friend? With our person-to-person transfer feature, sending money is quick and easy. It's a simple solution for splitting bills or sending gifts without any hassle. At Alabama Central, we strive to make banking as easy as possible for you. Embrace the flexibility and security of digital banking today!

Go Mobile with Our App

For those who prefer banking on the go, our mobile application makes it easy to manage your accounts from your smartphone. Whether you're making payments or checking transaction history, our app provides all the features you need for hassle-free banking. And yes, we support mobile payments too! You can make purchases directly from your device without reaching for your wallet.

Secure Transactions Made Simple

We prioritize your security with features like electronic signature authorization, ensuring that all transactions are safe and verified. You can feel confident knowing that every time you use our services whether it's person-to-person transfers or accessing sensitive information your data is protected.

Stay Organized with E-Statements

Keeping track of your financial statements has never been easier. Our e-statements feature allows you to receive your monthly statements electronically. This means no more paper clutter and quicker access to your account information. Plus, knowing that these documents are securely stored makes managing your finances even more straightforward.

Financial Strength

A Growing Community

Total Share Accounts stand at 27,082, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending amount to $0, indicating that all funds are strategically allocated toward serving our members' needs. 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 1121 Veterans Memorial Pkwy Tuscaloosa AL 35404 or call 205-342-0551 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 supports members' financial goals across various sectors with $2,653 in used auto loans and a total of $146,570,767 in loans and leases. Our operational efficiency is reflected in our net income of $0, demonstrating our commitment to maintaining low costs while continuing to provide valuable services. 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.

Member-Centric Savings

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.

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 prefer a brand-new model or a reliable used car, our financing options are designed with flexibility and affordability in mind.

Credit Lines

For those who need ongoing access to funds, our credit lines totaling $79,475,264 provide the peace of mind that comes from having additional resources available when needed. This option allows you to borrow only what you need and pay interest only on the amount used.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,688,878, making it easier than ever to own your dream home. Our team will work with you to find the best terms that fit your budget.

Refinancing Options

If you're already carrying debt from another lender or want to adjust your current loan terms for better rates or payments, we have refinancing options available that can help ease your financial burden. At Alabama Central, we pride ourselves on providing personalized service tailored to each member's unique situation. For more information about our loan offerings or to discuss eligibility options, please don't hesitate to reach out at 205-342-0551. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey today!

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 great benefits that can assist you in everyday purchases while building your credit score.

Loan Aggregator

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Alabama Central