Alabama One Credit Union Tuscaloosa AL | Best Auto Loans & Checking Accounts

Introduction

Welcome to Alabama One, your trusted partner in financial services located at 4605 Rice Mine Rd NE, Tuscaloosa, AL 35406. Since our establishment in 1951, we've dedicated ourselves to providing our members with a range of services tailored to meet their unique financial needs. With a strong commitment to our community, we proudly serve over 93,000 members and manage assets totaling more than $1.27 billion. At Alabama One, we understand that your financial journey is personal. That's why we offer a variety of products, including checking and savings accounts, auto loans, mortgages, and business banking solutions designed to help you achieve your goals. Our total deposits stand at $46,315,624, reflecting the trust our members place in us. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 4605 Rice Mine Rd NE, Tuscaloosa, AL 35406. Our team of 307 employees, led by CEO William Oswalt and Board President Loo Whitfield, is here to support you from 8:30 AM to 5:15 PM, Monday through Friday. With cash reserves of over $29 million, we are well-equipped to assist you with your lending needs. Whether you're looking for an auto loan where we currently have around 21,428 loans or interested in refinancing your mortgage, our experienced staff is ready to guide you every step of the way. We invite you to explore the many ways Alabama One can enhance your financial life. For more information or to start your application today, visit us online at www.alabamaone.org or call us at 205-759-1595. Join us as we continue to build a brighter financial future together!

Branch History & Mission

Join Us

At Alabama One, we are more than just a credit union; we are your partners in achieving financial goals and dreams. Whether you're looking for personal banking solutions or business services tailored to your needs, we invite you to join our growing family. Experience firsthand the benefits of being a member of Alabama One where community matters most. For inquiries or assistance, feel free to contact us at 205-759-1595 or visit our website at www.alabamaone.org. Together, let's build a brighter financial future!

Mission Statement

Our mission at Alabama One is clear: to empower individuals and families by providing exceptional financial services while fostering a spirit of community support. We believe that everyone deserves access to quality banking services that promote financial wellness. This mission drives us to not only serve our members but also contribute positively to the communities around us through various outreach efforts and partnerships. While members can visit us at 4605 Rice Mine Rd Ne, official correspondence should be sent to 4605 Rice Mine Rd NE, Tuscaloosa, AL 35406. We are proud to offer drive-thru services for added convenience during our operating hours from 8:30 AM to 5:15 PM Monday through Friday.

Our Journey

From our humble beginnings, Alabama One has continuously evolved to meet the needs of our members. With total assets exceeding $1.27 billion, we've made significant strides in providing diverse financial services such as checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our growth reflects not just numbers but the trust placed in us by our members. Over the decades, we have prioritized innovation alongside tradition. We understand the importance of technology in today's world; therefore, we offer online and mobile banking options that allow members to manage their finances conveniently. Our commitment to accessibility is also evident through our ADA-compliant facilities and ATM availability.

Branch Location & Accessibility

Convenient Services and Features

At Alabama One, we understand that convenience matters. Our branch offers ample parking and is fully ADA compliant, ensuring that all members can access our services easily. If you're on the go, take advantage of our drive-thru banking for quick deposits and withdrawals without having to leave your vehicle. Additionally, we have an ATM available for your cash withdrawal needs, making it easier than ever to manage your finances.

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 8:30 AM to 5:15 PM, so you can visit us during times that work best for you. Whether you need help with personal banking like checking and savings accounts or are looking into auto loans or mortgage refinancing, our dedicated team is ready to assist you. If you have any questions or would like more information about our services, don't hesitate to give us a call at 205-759-1595. We invite you to visit us at our Commons North location where we're committed to providing exceptional service tailored just for you!

Member Eligibility

At Alabama One, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Tuscaloosa County, you're already eligible to join us. We also extend membership to immediate family members of our current members. This means that not only can you benefit from our personalized financial services, but your loved ones can too! Plus, as a member, you gain access to an array of advantages such as competitive loan rates, lower fees, and exclusive member-only offers. Ready to take the next step? Opening your account with us is straightforward. You can start the process by visiting this link to fill out your application. If you have any questions or need assistance during the process, feel free to give us a call at (205) 759-1595. We're here to help you every step of the way! For detailed eligibility criteria, check out this resource.

Business Banking & Commercial Services

Financing Your 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.

Merchant Services That Matter

But it doesn't stop there! Our merchant services simplify your payment processes, allowing you to focus on what you do best running your business. Imagine being able to accept payments seamlessly, whether online or in-person. This means happier customers and quicker transactions. Located at 4605 Rice Mine Rd Ne Tuscaloosa Al 35406, Tuscaloosa, AL, we're here to partner with you every step of the way. For more information or to explore our offerings, call us at (205) 759-1595 or visit our website at https://www.alabamaone.org/. Let's work together to make your business dreams a reality!

Comprehensive List Of Services

Business Banking

If you're a business owner, our Business Banking services are here to support your growth. From Merchant Services that streamline transactions to Business Loans for expanding operations, Alabama One is committed to helping local businesses thrive.

Credit Cards

We know rewards matter! That's why we offer Credit Cards with Rewards that give back every time you use them. Whether it's cash back on groceries or travel points for your next adventure, our credit card options provide valuable perks.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. Want to check your balance or pay bills? Just log in through our app! Plus, with access to ATMs and cash withdrawal services, getting cash when you need it is easier than ever.

Drive-Thru and ATM Services

For quick transactions like deposits or simple withdrawals, our basic drive-thru banking offers a friendly face without the wait. And if you prefer using an ATM, we have basic access available for withdrawals and balance checks right at your fingertips. As part of our commitment to serving the community in Tuscaloosa, Alabama One is here for all your financial needs. If you'd like to learn more about how we can assist you or if you're ready to open an account, feel free to reach out at 205-759-1595 or visit us online at alabamaone.org. Join us today and experience banking that feels personal!

Loans and Financing

When it comes to financing your next big purchase, we understand that having the right loan can make all the difference. Our Auto Loans & Vehicle Financing are designed to get you on the road quickly and affordably. If you're dreaming of home ownership, check out our Mortgage Loans & Refinancing options, which provide flexibility and competitive rates. For those unexpected expenses or consolidating debts, our Personal Loans & Debt Consolidation services can help you regain control of your finances.

Personal Banking

Whether you're looking to save for a dream vacation or manage day-to-day expenses, our Personal Banking options have you covered. We offer various Checking & Savings Accounts tailored to fit different lifestyles. Imagine opening an account that not only helps you keep track of your finances but also earns you interest over time!

Digital & Online Banking

Accessibility and Real-Time Management

We believe that managing your money should be straightforward and accessible. That's why our online banking services allow real-time account management keeping you in control of your finances at all times. Need assistance? Our friendly customer service team is just a phone call away at (205) 759-1595. In today's fast-paced world, having reliable digital banking tools is essential. At Alabama One, we are proud to offer these features that prioritize both convenience and security for all our members. Experience the ease of online banking with us today!

E-Statements and Mobile Features

Say goodbye to paper clutter! Our e-statements are available for all members, allowing you to view your account statements anytime and anywhere. This feature not only helps you stay organized but also contributes to a more eco-friendly approach to banking. For even greater convenience, our mobile application lets you handle your banking tasks right from your smartphone. Whether you're making mobile payments or using our person-to-person transfer service to send money quickly to friends and family, everything is just a tap away.

Financial Strength

Commitment to Innovation

Our success is also reflected in our $84,497,171 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $10,714 in used auto loans and $917,112,197 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Member Trust

Total Share and Deposit Accounts: 179,567, showing a strong and growing member base that trusts us with their finances. This trust reinforces our mission to provide the best possible service while maintaining the financial strength needed for stability. 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 4605 Rice Mine Rd Ne Tuscaloosa Al 35406 or call (205) 759-1595 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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 $2,969,461 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.

Solid Financial Foundation

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 further 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. We provide financing solutions tailored to your budget, making it easy to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $184,073,098 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or working capital, we are here to support your business ambitions. At Alabama One, we pride ourselves on being more than just a lender; we're your financial partner. Our friendly staff is available at (205) 759-1595 during our operating hours from 8:30 AM to 5:15 PM, Monday through Friday. 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 encourage you to reach out or visit us online at https://www.alabamaone.org/ for more information on how we can help you achieve your financial dreams.

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 offer competitive rates and flexible terms designed to fit your financial situation. If you're considering refinancing your current mortgage, our team can guide you through the process.

Unsecured Credit Cards

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. Our credit cards come with benefits like rewards programs and low-interest rates, allowing you to maximize your spending power while keeping your costs down.

Loan Aggregator

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Alabama One