Alabama One Credit Union Alabama River Monroeville AL | Affordable Vehicle Loans & Online Banking

Introduction

Welcome to Alabama River Credit Union, your trusted financial partner located at 3365 S Alabama Ave, Monroeville, AL 36460. Established in 1980, we have been dedicated to serving our community for over four decades. With a commitment to fostering strong relationships with our 1,759 members, we strive to provide personalized services that meet your unique financial needs. At Alabama River Credit Union, we're proud of our substantial growth, boasting total assets of $23,156,587 and total deposits reaching $4,176,123. Our financial health is evident in our net worth of $2,261,855 and cash reserves of $256,730, ensuring we can support you through various life stages with confidence. Led by our experienced CEO, Sharon Downing, and Board President Johnny House, our small but dedicated team of 6 employees is here to help you navigate your financial journey. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we offer a wide range of services designed for everyone. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 907, MONROEVILLE, AL 36461. We invite you to explore the benefits of membership and discover how Alabama River Credit Union can empower your financial future. Reach out to us today at (251) 575-2921 or visit our website at www.arivercu.com for more information. Your journey towards better financial health starts here!

Branch History & Mission

Welcome to Alabama River Credit Union, a proud institution that has been serving the Monroeville community since 1980. Our journey began with a simple yet powerful vision: to provide accessible financial services that truly empower our members. Over the decades, we have grown from a small branch into a trusted partner for nearly 1,800 members, offering an extensive array of services designed to meet the unique needs of our community. Located at 3365 S Alabama Ave, Monroeville, AL 36460, our branch is not just a place for transactions; it is a hub for financial growth and support. With our friendly staff ready to assist you, we are committed to ensuring that every member feels valued and understood. Whether you're visiting us during our operating hours Monday, Tuesday, Wednesday, and Friday from 8:30 AM to 4:30 PM or Thursday until noon or accessing our ATM or drive-thru services, we aim to make your experience as convenient as possible. At Alabama River Credit Union, our mission is clear: we strive to enhance the financial well-being of our members while fostering a sense of community. We offer personal banking solutions such as checking and savings accounts, auto loans, mortgage options, and more. Our commitment extends beyond traditional banking; we actively participate in community outreach initiatives aimed at making Monroeville a better place for everyone. While members can visit us at 3365 S Alabama Ave, official correspondence should be sent to PO Box 907, MONROEVILLE, AL 36461 if needed. This dual address system ensures that all communication flows smoothly while providing easy access to our branch. As we look back on over four decades of service, we celebrate not only our achievements but also the relationships we've built with our members and partners. Our total assets now stand at an impressive $23,156,587 a testament to the trust and loyalty of those we serve. We are dedicated to maintaining high standards in both service quality and operational excellence. We recognize that digital advancements are essential in today's world; that's why we've embraced technology through online banking options and mobile applications. You can enjoy banking at your fingertips while knowing that your security is paramount. We invite you to join us at Alabama River Credit Union where you will find more than just financial products; you'll discover a community committed to helping you thrive. Experience the difference today reach out or visit us to learn how we can help you achieve your financial goals!

Branch Location & Accessibility

Come Visit Us!

We invite you to stop by and see what Alabama River Credit Union can do for you. Our friendly staff is eager to assist you with all your banking needs. Whether you're looking to open an account or explore loan options, we're here to help!

Convenient Access

Situated in the heart of Monroe County, our branch is just a stone's throw away from popular local landmarks such as Monroeville's historic downtown area. Whether you're running errands or simply passing through, stopping by for banking needs is a breeze. For those driving in, we offer ample parking right outside the branch. Plus, our facility meets ADA compliance standards, ensuring that everyone can access our services comfortably. If you prefer to stay in your vehicle, take advantage of our drive-thru banking option for quick deposits and withdrawals without leaving your car.

Operating Hours That Fit Your Schedule

We know that life can get busy! That's why Alabama River Credit Union offers convenient operating hours: from 8:30 AM to 4:30 PM on Monday, Tuesday, Wednesday, and Friday. On Thursdays, we open early at 8:30 AM but close a bit earlier at noon to accommodate your needs.

Services Designed for You

At Alabama River Credit Union, we provide a variety of services tailored to fit your financial lifestyle. From personal banking options like checking and savings accounts to auto loans and mortgages, we have you covered. Need cash? Our ATM is available for quick withdrawals and balance checks whenever you need it. While members can visit us at 3365 S Alabama Ave Monroeville Al 36460, official correspondence should be sent to PO Box 907, MONROEVILLE, AL 36461. For any questions or assistance, feel free to give us a call at (251) 575-2921.

Member Eligibility

At Alabama River, we believe that everyone deserves a place to belong and thrive. Becoming a member is simple and opens the door to a community where you can enjoy personalized banking services tailored just for you. To be eligible for membership at our Monroeville branch, located at 3365 S Alabama Ave, you just need to meet a few friendly criteria that highlight our commitment to serving local residents and their families. We welcome individuals who live, work, worship, or attend school in Monroe County, making it easy for you to join our supportive family. Once you're ready to take the next step toward membership, opening an account is a breeze! You can reach out to us at 251-575-2921 during our business hours or visit our website for more details about eligibility and account options. If you'd like more specific information regarding the eligibility requirements, feel free to check out this resource: . We're excited to help you start your journey with Alabama River!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the ability to process payments seamlessly while focusing on what you do best running your business. Our merchant services offer practical solutions that simplify transactions and enhance customer experiences. From point-of-sale systems to online payment processing, we provide the tools necessary for efficiency and convenience. Visit us at 3365 S Alabama Ave, Monroeville, AL 36460, or call us at 251-575-2921 to learn more about how our business banking services can empower your venture today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, our Business Banking services include merchant services and business loans tailored to help your business thrive. We know how vital it is for local businesses to access funds quickly and efficiently.

Credit Cards

For those who enjoy rewards on their purchases, our Credit Cards with Rewards program offers incentives that make spending more rewarding. From cash back on groceries to points for travel, there's something for everyone.

Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. With easy access to your accounts through our mobile app and website, tracking spending and making transfers has never been simpler. Plus, our ATM and cash withdrawal services ensure you can get cash when you need it most.

Drive-Thru Services

For those who prefer face-to-face interactions but in a quick manner, our Basic Drive-Thru Banking service makes deposits, withdrawals, and simple transactions efficient without leaving your car. At Alabama River, located at 3365 S Alabama Ave Monroeville Al 36460, we're here for you whether you're visiting us in person or using our online services. Feel free to reach out at (251) 575-2921 during our operating hours from 8:30 am to 4:30 pm Monday through Wednesday and Friday, or from 8:30 am to noon on Thursday. Explore all the ways we can assist you by visiting us online at Alabama River Credit Union. Join us today and experience the friendly service and comprehensive solutions designed just for you!

Loans and Financing

Need a new car? We have you covered with competitive Auto Loans & Vehicle Financing options that make purchasing a vehicle easier than ever. If you're considering home ownership or refinancing, our Mortgage Loans & Refinancing services are designed with flexible terms that fit your lifestyle. We also provide Personal Loans & Debt Consolidation services, helping you manage expenses without the stress of high-interest rates.

Personal Banking

When it comes to managing your money, we understand that every member has unique needs. That's why we offer Personal Banking options, including checking and savings accounts designed to help you save for the future while enjoying everyday convenience. Whether you're looking to set up a new account or simply want to explore better savings strategies, our team is here to assist you.

Digital & Online Banking

Key Features

With 24/7 online banking services, you can keep track of your account balances, pay bills, and transfer money without ever stepping foot in a branch. Our electronic signature authorization makes it simple to complete transactions securely, while e-statements allow you to receive your account statements electronically saving paper and providing instant access. Need to send money to friends or family? Our person-to-person transfer feature lets you do just that with ease. Plus, if you're looking for convenience on the move, our mobile application allows you to manage your finances right from your smartphone.

Security You Can Trust

We prioritize your security with advanced measures so you can bank confidently online. From secure logins to encrypted transactions, we ensure that your personal information remains protected. At Alabama River, accessibility and ease-of-use are at the heart of what we do. With all these features working together, you'll have real-time control over your finances like never before. Join us today and experience the freedom of digital banking!

Financial Strength

Commitment to Growth

With $2,261,855 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our total loans and leases amount to $5,966,087, which includes 103 used auto loans, helping our members achieve their financial goals across various sectors. Our net income of $0 reflects our commitment to operational efficiency while ensuring you receive competitive loan rates and solid financial products. We also take pride in having 5 full-time employees and 1 part-time employee, ensuring our branches are always ready to assist you with a knowledgeable team.

Member-Centric Focus

Members' savings are secured through $3,231,552 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, 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 $2,261,855, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.77% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Financial Partner

Net Shares (Funds available for lending and investments): $5,459,885. Total Share Accounts: 3,390, 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 River is your trusted partner. Visit us at 3365 S Alabama Ave Monroeville Al 36460 or call 251-575-2921 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,298,661 in used vehicle loans and $3,465,871 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles, making it easier for you to drive away with confidence.

Contact Us

For more details on our loan offerings or to discuss your eligibility options, feel free to reach out at (251) 575-2921 or visit us at 3365 S Alabama Ave, Monroeville, AL 36460. Our dedicated team is here to help you navigate your financial journey. 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 are committed to providing transparent information and exceptional service to all our members. Whether you're considering a loan or just exploring your options, Alabama River is here for you every step of the way.

Credit Lines and Unsecured Loans

If you're looking for extra flexibility in managing your finances, our total credit lines amount to $1,800,000, giving you access to funds when you need them most. We also offer unsecured credit card loans; however, at this time, we do not have any available. This could change as we continually evaluate our offerings based on member needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options simplify the process. While we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, we are always ready to assist our members with refinancing options should they need them in the future.

Loan Aggregator

Accurate Loan Comparisons

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 commitment guarantees fair and transparent offers, allowing users to trust the information they receive.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This means users can feel confident knowing they're getting reliable information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results so that users can choose the best options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users compare options efficiently, making it easier to find the right fit for their needs. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective and helpful the platform can be. 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 River