Alabama One Credit Union Rockford AL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Alabama One, your trusted partner in financial services located at 9636 Us Highway 231, Rockford, AL 35136. Since our establishment in 1951, we have proudly served our community with dedication and commitment, growing to a total membership of 93,807. As part of our mission, we strive to support our members with personalized banking solutions that meet their unique needs. At Alabama One, we understand that financial decisions are important and often life-changing. That's why we offer a range of services tailored for you from checking and savings accounts to auto loans and mortgages. With total assets exceeding $1.27 billion, we are well-equipped to help you achieve your financial goals. Our total deposits currently stand at an impressive $46,315,624, reflecting the trust our members place in us. Our leadership team is dedicated to ensuring that you receive the best service possible. Under the guidance of CEO William Oswalt and Board President Loo Whitfield, we are committed to providing a welcoming environment where you feel valued and supported. For any official correspondence, please note that our mailing address is 1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404-5842. While you can visit us at our Rockford location for all your banking needs, feel free to reach out via phone at 205-759-1595 or explore our services online at www.alabamaone.org. Join us today and discover how Alabama One can be your reliable partner in achieving financial success!

Branch History & Mission

A Legacy of Service

Our branch at 9636 Us Highway 231 has witnessed significant milestones throughout the decades. From humble beginnings, we have expanded our offerings to include a wide range of services such as personal banking, auto loans, mortgage solutions, and business banking. Today, with total assets exceeding $1.27 billion, Alabama One stands as a pillar of financial strength in Rockford and beyond. While members can visit us at 9636 Us Highway 231 for their banking needs, official correspondence should be sent to our mailing address at 1215 Veterans Memorial Pkwy, Tuscaloosa, AL 35404-5842. We are dedicated to making banking convenient and accessible through both our physical locations and digital platforms.

Community Commitment

Partnerships with local organizations allow us to extend our reach and impact positively on the community. Whether it's sponsoring events or supporting local causes, Alabama One remains committed to being more than just a credit union; we aim to be a catalyst for change within Rockford. As we look towards the future, we invite you to join our family at Alabama One. Experience firsthand the benefits of membership from competitive loan rates to personalized service that puts you first. Together, let's build a brighter financial future. For any inquiries or assistance, please don't hesitate to call us at (205) 759-1595 during our operating hours: Monday through Friday from 8:30 AM - 5:00 PM (with extended hours on Wednesday starting at 9:30 AM). Come visit us soon!

Our Mission Statement

At the core of Alabama One is our mission to enhance the lives of our members by providing exceptional financial services while giving back to the community. We believe that banking is not just about transactions; it's about building relationships and fostering growth. This is why we actively engage in community outreach initiatives aimed at uplifting those around us. We strive to make banking easy with features like online and mobile banking options, ATMs for quick cash access, and drive-thru services for seamless transactions. We also ensure that all members have equal access to our facilities by maintaining ADA compliance across our branch.

Branch Location & Accessibility

Accessibility Features

At Alabama One, we prioritize accessibility for all our members. Our branch is equipped with features like ADA-compliant ramps and ample parking space to ensure everyone can visit us comfortably. Plus, with our drive-thru service, handling your banking transactions has never been easier!

Operating Hours

Our friendly staff is ready to assist you during convenient hours: Monday through Friday from 8:30 AM to 5:00 PM, and on Wednesdays we open a bit later at 9:30 AM. We're closed on weekends, giving our team a well-deserved break while ensuring you have plenty of time to visit during the week.

Services Offered

Alabama One offers a wide range of services tailored just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. With online and mobile banking available, accessing your finances anytime is simple and secure. Need cash? Our ATM is right here for quick withdrawals or balance checks. We invite you to come by and explore what Alabama One can do for you! Whether you have questions about our services or want assistance with an account, don't hesitate to call us at 205-759-1595. We look forward to welcoming you into our branch soon!

Member Eligibility

At Alabama One, we believe that everyone deserves the chance to join a community that prioritizes their financial well-being. Becoming a member is easy! If you live, work, or worship in the area surrounding our branch at 9636 Us Highway 231, Rockford, AL 35136, you may be eligible for membership. Whether you're looking for personal banking solutions, auto loans, or simply a friendly place to manage your finances, being part of Alabama One means accessing a range of services tailored just for you. For those curious about eligibility criteria and details, we encourage you to check out this link for the most up-to-date information. Joining us is just a few clicks away! You can easily start your account opening process by visiting our application page here. If you have any questions or need assistance along the way, feel free to call us at 205-759-1595. We're here to help you every step of the way as you join our family at Alabama One!

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 $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.

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify everyday transactions. Imagine being able to accept payments from your customers quickly and securely this allows you to focus more on what you do best: running your business. Our services are aimed at helping you improve cash flow and enhance customer satisfaction. Discover how Alabama One can be your trusted partner in business banking. For more information or to get started, give us a call at 205-759-1595 or visit us online at www.alabamaone.org. Let's build your business together!

Comprehensive List Of Services

Additional Services

We also cater to everyday banking needs with services like basic drive-thru banking for deposits and withdrawals as well as essential ATM services for balance checks and cash withdrawals. We invite you to visit us at 9636 Us Highway 231 Rockford Al 35136, or give us a call at (205) 759-1595 for more information about how we can assist you with your financial journey. At Alabama One, we are committed to making banking easy, accessible, and aligned with your financial goals. Join us today! Explore all that we have to offer by visiting our website at https://www.alabamaone.org/. Let us be part of your financial success story!

Business Banking

For our local entrepreneurs, we offer comprehensive business banking solutions including merchant services and business loans. Whether you're just starting out or looking to expand, we have the tools you need for success.

Credit Cards & Rewards

When it comes to spending, consider our credit cards with rewards. They not only help you manage purchases but also earn you benefits along the way. This means every swipe could bring you closer to exciting rewards or cash back.

Digital Access & Convenience

In today's fast-paced world, convenience is key. That's why at Alabama One, we offer robust online and mobile banking options. With our user-friendly app, you can check balances, transfer funds, pay bills, and even make deposits from anywhere at any time. Plus, our ATM availability ensures you can access cash quickly when needed.

Home Financing

Looking to buy a home or refinance your existing mortgage? Our mortgage loans and refinancing options provide flexibility and support throughout the process. We understand that purchasing a home is a significant investment, so we are dedicated to helping you find the right solution for your situation.

Personal Banking

Managing your personal finances has never been easier. We offer a range of checking and savings accounts that fit different lifestyles and goals. If you're planning to buy a car, our auto loans and vehicle financing options are designed with competitive rates to make your purchase smooth and affordable. Need extra cash for unexpected expenses? Our personal loans and debt consolidation services can help you regain control of your finances.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 online banking services available at https://www.alabamaone.org/, you can check balances, transfer funds, and pay bills from the comfort of your own home or while out and about. You can also take advantage of e-statements, allowing you to receive important account information electronically, keeping your finances organized without the hassle of paper clutter.

Mobile Banking Made Easy

Our mobile application puts your bank right in your pocket! With features like mobile payments, you can easily make purchases directly from your phone. Plus, if you want to send money to friends or family, our person-to-person transfer option is quick and simple. Whether it's splitting a dinner bill or sending a gift, it's all just a few taps away.

Security You Can Trust

We prioritize your security with electronic signature authorization for online transactions, ensuring that your personal information is protected every step of the way. You can feel confident knowing that our systems are designed with top-notch security measures in place. In today's fast-paced world, having easy access to your finances is essential. At Alabama One, we strive to provide user-friendly digital banking options so you can manage your money with ease. Experience the convenience today by visiting us at https://www.alabamaone.org/!

Financial Strength

A Thriving Community

Total Share Accounts stand at 179,567, showing a strong and growing member base that trusts us with their finances. With Net Shares (funds available for lending and investments) at $0, we emphasize our commitment to your financial well-being. 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 9636 Us Highway 231 Rockford Al 35136 or call (205) 759-1595 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 a total of $917,112,197 in loans and leases.

Member-Centric Savings Solutions

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.

Operational Efficiency

Our operational efficiency is evident with a net income of $2,969,461, 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.

Solid Financial Foundations

With a net worth of $123,169,315, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $960 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 or used vehicle, we provide flexible options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $184,073,098 provide the capital needed to grow and expand. We are committed to supporting local businesses by offering tailored financial solutions that can help you thrive in today's marketplace.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $57,223,672, make buying or refinancing simple. We know that purchasing a home is one of the biggest decisions you'll make; that's why we're here to guide you through the process and provide competitive rates to suit your needs.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, we have options available that could potentially lower your payments and save you money over time. It's worth exploring how our refinancing solutions can benefit your financial situation. At Alabama One in Rockford, AL (9636 Us Highway 231), we strive to meet all your lending needs with exceptional service and competitive rates. For more information or to speak with a representative about our loan offerings, 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. We're here to help you navigate your financial journey every step of the way!

Unsecured Credit Card Loans

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. This option is perfect for those who want to simplify their spending while enjoying rewards and benefits tailored to your lifestyle.

Loan Aggregator

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 that users receive fair and transparent offers tailored to their needs. By pulling data only from legitimate sources, LendMesh guarantees that every comparison is accurate and trustworthy.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, helping them navigate their options effectively. 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 testimonial reflects the value that many have found in using this tool to simplify their loan search. 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 One