Alabama One Credit Union Mount Vernon AL | Best Auto Loans & Checking

Introduction

Welcome to Alabama One, your trusted partner in financial well-being, located at 945 Coy Smith Highway, Mount Vernon, AL 36560. Since our establishment in 1951, we have proudly served a growing community of 93,807 members with dedication and care. Our commitment to providing exceptional financial services is evident in our robust portfolio, featuring total assets of over $1.27 billion and total deposits reaching $46,315,624. At Alabama One, we believe in empowering our members through personalized banking solutions tailored to fit their unique needs. Whether you're looking for personal banking options such as checking and savings accounts or seeking financing for your next vehicle with our auto loans, we are here to help. With a total loan portfolio that includes 50,419 loans and leases, our experienced team is ready to assist you every step of the way. Under the leadership of CEO William Oswalt and Board President Loo Whitfield, we prioritize building lasting relationships within our community. Our dedicated staff of 307 employees ensures that you receive the highest level of service, whether you visit us in person or engage with us through our online and mobile banking platforms. While members can visit us at our branch location, official correspondence should be sent to the same address: 945 Coy Smith Highway, Mount Vernon, AL 36560. To learn more about how we can support your financial journey or if you have any questions, feel free to reach out at 205-759-1595 or explore our website at www.alabamaone.org. Join us today and discover the difference that a member-focused credit union can make in your financial life!

Branch History & Mission

A Legacy of Growth

Alabama One started as a small initiative aimed at offering reliable banking solutions. Over the years, we have evolved into a trusted institution with over 93,000 members and total assets reaching an impressive $1,279,832,157. Our branch is located at 945 Coy Smith Highway, Mount Vernon, AL 36560, a convenient spot for local residents and businesses alike. We invite you to visit us during our operating hours from 8:30 AM to 5:15 PM, Monday through Friday. Our commitment to progress is reflected not only in our growth but also in the way we embrace modern banking practices. With features like online banking, mobile payments, and e-statements, we ensure that our members have access to essential services anytime, anywhere. Additionally, we are proud to offer ADA-compliant facilities and a drive-thru service for your convenience.

Our Mission

At Alabama One, our mission goes beyond just providing financial services; it's about making a real impact in our community. We believe in the power of connection and strive to support our members through various initiatives. Whether it's through personal loans for those looking to consolidate debt or business banking solutions for local entrepreneurs, we aim to meet diverse needs while fostering economic growth in Mount Vernon. We also understand the importance of community outreach. Our partnerships with local organizations allow us to give back and support initiatives that make a difference in people's lives. By prioritizing community involvement alongside member services like auto loans and mortgage refinancing, we fulfill our pledge to contribute positively. While members can visit us at 945 Coy Smith Highway, official correspondence should be sent to the same address. Should you need assistance or have inquiries about membership benefits or services offered like credit cards with rewards or basic ATM access please don't hesitate to reach out at 205-759-1595. Join us at Alabama One today! Experience firsthand how we're dedicated not just to your finances but also to enhancing the well-being of our entire community. Together, we can build brighter futures for all who call Mount Vernon home.

Branch Location & Accessibility

Convenient Access and Amenities

Our branch is designed with your convenience in mind. We offer ample parking right outside the entrance, ensuring that you can quickly park and get inside without hassle. For those who may need assistance, our facility is ADA compliant, featuring ramps and other accessibility options. We understand that your time is valuable. That's why we provide a drive-thru service for quick deposits and withdrawals, so you can manage your banking without even leaving your vehicle. And if you prefer to use an ATM, we have one available on-site for easy cash withdrawals and balance checks.

Operating Hours

At Alabama One's Mobile Branch, we're here to serve you during convenient hours: Monday through Friday from 8:30 AM to 5:15 PM. Whether you're looking to open a new account or inquire about loans and refinancing options, our friendly staff is ready to assist you.

Services Tailored for You

We pride ourselves on offering a range of services that meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to auto loans and mortgage financing, we have something for everyone. Plus, our online and mobile banking options make it easy for you to manage your finances anytime, anywhere. We invite you to visit us or give us a call at 205-759-1595 if you have any questions or need assistance. At Alabama One's Mobile Branch, we're committed to providing you with exceptional service tailored just for you!

Member Eligibility

At Alabama One, we believe that joining our community is more than just opening an account; it's about becoming part of a family that cares for your financial well-being. If you're interested in becoming a member, you'll be happy to know that eligibility is open to anyone who lives, works, worships, or attends school in our local area. We welcome individuals from various backgrounds and situations, making it easy for you to connect with us. Plus, as a member of Alabama One, you gain access to a range of benefits designed to help you thrive financially from competitive loan rates to personalized service. Getting started is simple! You can check out the detailed eligibility criteria. Once you're ready to take the next step, opening an account is just a click away through our online portal at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad_ebfwzqmvyszlylt62ut9n8jwtvluadf-kyl0ppqgivgh5jcbsbtcs8jmbuzpitgi5mmhlje0wthnlyms1y68uailazkekie_gxyrmzighnn1di4_horgj8qiwg8acwvnfghrymsnqzwrjkvhrhxjptee6sw-z8y4jw4l6tufucd_vg9g4vu5mytjwuk_la3p-rxb1oa82iic2k25-wxcepgrc9lz9khjnj4mtzysudx-li5eihwtopzq_6a5yurrluypq-vsb6th_auypnhv40kcujxlxp9pzrvhi92mxthvckmyp6fvgrikrppv6fbiamfejjxaxcrhttvsn8zx9flqbve-g-p2mtfinncoj-fx2fcc8lufsj68mqaok6rwxmoobsdhccvklt0ftgxxqndnyo_eu8-zng-rxrifa9xuwqusdb39qnvag_ur59wucltv7ofbuack3mnsdop-ywxs6tbpvigaadgp_2rf3uehh6q6icuwf1w1x_64o440fvr1xuflsgdwkrffqpu0sqfromaoowjojc2mtpjje5v1its61eos-vbegtodvkwy5ifzf_-x4f6ucecsrykbjpx0ekbwygcb5fcmitmm6_l71lgilxf9rpippddnwicnt2jjsxbjdnnzh8jalugax3rdaxonniljfpiclpnizjbccucldbvbsazntlfemsgqgq-gcfnbcsln1duaf0-jp5ztgttaf9xslrslnmgfqcapiz1jkfeg8y-be0fcoyap_efsbehohtizgnssgeiyfcuk6mqcwnl3cdrudene_osjfzx2cud9o7ygfqvl2ugx78yvushnn8qujlj35fj8ow3e5_c1ffli-aatro5v7-dtopj7z-gvcvxucvh211qozqo8surw72u47ykmcyoakiiqu-ohwrzulvtdda_-9yip-qav5hmk2bwiw249sha77-rd_luyb6ezqiqa061nqjb_af--9872eo0gzmbgdou7f-ueaio-sygr8kbqbsxgfzs1vomr64vp_-uab5lvhq4g89n5ohnte0xpdi5vu1rqms1uxhwcjlhbxjyqmbxcsddgpkp6d8vm8wwmqpdpfpntmx4cgup1qhvxajf7vmsp6ssvkgxzcq7cg4uncar7vgifwovu7gm-sn0cslrwtgjtbhhxbovks90_mjhw4cyi-vg3hcg8u6ketqfwe3axzika2j2ubcp-6f4scrvjyc8kxenm4exdmdvi_jyf0tsiz2pvs-rzluidzgbdgo7_vt7eh_djjbornd3jcbpbpmdencbpjgwensatdwdsvrwxpayf51q6cpdyh8bpxwm2bkzejnfurjissewzo00z79iupkshteavftrlpn_w85bixrd054vhhpavpvjqzifuewih-hjjlmksg94lskkgi-hkgzvdnvqrfoll9aoxmvjgta1iyubxq1juq_diphv2b5y5c85ygb9d0hejjkamfhb8ih1deeh2p5ddz7g1soyhtjlc4q0ci6igvcrslvfvl5xoir0vzw3ebet2kgt1hq2bjlchmgo2jb9xikafnnjuyyifnehanm4vdehh4wmmamtqthin85fyuco8hxpr_ae5gr58afoyblpvlc3uuksh_gw9btatucrolnjce-tkad3_nkgtn1qphubkblgsphu0gev63thz24gicmadm_c3ydlret4cw7haucsjb65tdp8dnlojbrhyocajhbyor5be1rpzzftbbhvrrriwkl. If you have any questions or need assistance, don't hesitate to give us a call at (205) 759-1595. We're here to guide you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Real-World Merchant Services

In addition to loans, we offer robust merchant services designed to simplify your payment processes. Imagine being able to accept payments seamlessly from customers while having access to insightful data about your sales trends all tailored to help you make informed decisions. Our services not only enhance customer experience but also boost your operational efficiency. Partner with Alabama One today and discover how our business banking and commercial services can empower your enterprise! For more details or to speak with a representative, call us at 205-759-1595.

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 $398 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $103 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $184,073,098, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility Made Easy

We understand that everyone has different needs when it comes to banking access. That's why our branch features a drive-thru for quick service without leaving your car and ATMs for easy cash access. At Alabama One, we're here to help you navigate your financial journey with confidence. If you have questions about any of our services or want to get started today, feel free to call us at (205) 759-1595. We look forward to serving you at Mobile Branch! For more information about how we can assist you further, visit us online at our website or stop by the branch we're ready when you are!

Credit Cards and Business Banking

To make your spending rewarding, we offer credit cards with rewards that allow you to earn points on every purchase. This can be perfect for those who enjoy travel or dining out! For our business members, we provide comprehensive business banking solutions including merchant services and business loans, ensuring that your enterprise has the support it needs to thrive.

Digital Access and Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. You can check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer anytime and anywhere! Our ATM services ensure quick cash withdrawals whenever you need them. Plus, with basic drive-thru banking available for deposits and simple transactions, getting your banking done is easier than ever.

Personal Banking

Our personal banking services are designed with you in mind. Start by exploring our checking and savings accounts that help you easily manage your money while earning interest. Need a reliable way to get around? Our auto loans and vehicle financing options make purchasing a new or used car straightforward and affordable. If you're considering homeownership or looking to refinance, our mortgage loans offer competitive rates and flexible terms to fit your budget. Additionally, personal loans and debt consolidation options are available to assist you in managing unexpected expenses or paying down high-interest debts.

Digital & Online Banking

Key Features

We know that security is a top concern for our members. That's why we offer electronic signature authorization, making it easier for you to complete transactions securely from the comfort of your home. Say goodbye to paper forms! You can also opt for e-statements, which not only help reduce clutter but also keep your financial information safe and organized. Need to send money quickly? Our person-to-person transfer feature allows you to send funds directly to friends or family with just a few taps on your screen. And if you're someone who enjoys the simplicity of mobile payments, rest assured that Alabama One supports this feature too making everyday purchases even more convenient. In summary, whether you're checking account balances or making payments, our digital and online banking services at Alabama One are designed to fit seamlessly into your lifestyle. Experience effortless banking today!

Financial Strength

Growing Member Base

Total Share Accounts stand at 179,567, showcasing a strong and growing member base that trusts us with their finances. With Net Shares (Funds available for lending and investments) amounting to $0, we are well-positioned to support your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alabama One is your trusted partner. Visit us at 945 Coy Smith Highway Mount Vernon Al 36560 or call (205) 759-1595 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.

Operational Efficiency

Our $2,055,029 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 295 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $84,497,171 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 $10,714 in used auto loans and $917,112,197 in total loans and leases.

Secure Savings for Members

Members' savings are secured through $379,957,087 in share certificates and $113,676,644 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $997,597, 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 $123,169,315, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.60% 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 $159,238,205 in used vehicle loans and $45,551,802 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new model or a reliable used vehicle, our team is ready to assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $184,073,098 provide the capital needed to grow and expand your business. We recognize that small businesses are the backbone of our community and are committed to supporting their success.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $57,223,672. Let us guide you through the mortgage process with ease and confidence.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, our experienced staff is here to help you navigate those choices. We aim to find solutions tailored specifically for your circumstances. Our branch located at 945 Coy Smith Highway Mount Vernon AL 36560 is open Monday through Friday from 8:30 AM to 5:15 PM. For more information or to discuss how we can assist you further, please call us at 205-759-1595. 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 Alabama One help you take your next financial step confidently!

Unsecured Credit Cards

Managing finances can be challenging at times. We also offer flexible terms on unsecured credit card loans, with a total of $13,860,922 in loans helping members manage their finances effectively. Enjoy rewards and benefits while keeping your expenses manageable.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 commitment ensures that users receive fair and transparent offers. By working only with reputable lenders, LendMesh guarantees that the data you see is not only accurate but also current.

ALABAMA ONE CREDIT UNION - Mount Vernon, AL

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Vehicle Loans

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Loan rates in Mount Vernon, AL (36560)

Introduction

Branch History & Mission

A Legacy of Growth

Our Mission

Branch Location & Accessibility

Convenient Access and Amenities

Operating Hours

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Real-World Merchant Services

Tailored Loan Options for Growth

Comprehensive List Of Services

Accessibility Made Easy

Credit Cards and Business Banking

Digital Access and Convenience

Personal Banking

Digital & Online Banking

Key Features

Financial Strength

Growing Member Base

Operational Efficiency

Reinvesting for Your Benefit

Secure Savings for Members

Solid Financial Health

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Refinancing Options

Unsecured Credit Cards

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

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