Alatrust Credit Union Irondale AL | Best Auto Loans & ATM Access

Introduction

Welcome to Alatrust, your trusted financial partner located at 1694 Montclair Rd, Irondale, AL 35210. Since our establishment in 1935, we've built a strong foundation of community trust and support, serving over 13,000 members with a commitment to their financial well-being. As a proud member of the community, we understand the unique needs of our members and are dedicated to providing personalized banking solutions. With total assets exceeding $206 million, we offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking. Our total deposits stand at an impressive $19,975,242, showcasing the confidence our members have in us. Under the leadership of CEO Steve Nix and Board President Donald Duck, our team of 37 employees is here to ensure that you receive the best service possible. At Alatrust, we believe in making banking convenient for you. That's why we offer features like online and mobile banking, ATMs for easy access to your funds, and drive-thru services for quick transactions. Whether you're looking for assistance with loans over 12,810 loans and leases are currently active or exploring savings options with our competitive rates on deposits, we're here to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 1694 Montclair Rd, Irondale, AL 35210-2410. If you have questions or need assistance, don't hesitate to reach out by phone at 205-581-8800 or visit our website at www.alatrustcu.com. Join us today and experience the Alatrust difference where community meets financial strength!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to join our family at Alatrust. Experience firsthand how being part of a credit union can benefit you financially while also supporting your community. Together, let's continue building a legacy of trust and excellence in service! For more information about membership or to open an account today, please visit our website.

Our Evolution

Since our opening year, we have embraced growth and change while staying true to our core values. We've built a reputation for excellence by focusing on member satisfaction and providing personalized service. Throughout the years, we've expanded our offerings to include various banking services such as checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Our commitment to innovation means that we continuously adapt to meet the needs of our members. This includes advancing digital banking options like online banking and mobile payments so that managing finances is easier than ever. Additionally, we ensure that all members can access our services conveniently with ATM availability and drive-thru banking at our branch.

Our Mission

At Alatrust, we believe that financial success should be within everyone's reach. Our mission is simple yet powerful: to empower our members by providing quality financial products and exceptional service while fostering community development. We strive to create an environment where every member feels valued and supported on their financial journey. We understand the importance of giving back to the community that supports us. That's why we actively participate in outreach efforts and partnerships that uplift those around us. Whether it's through educational initiatives or local sponsorships, Alatrust remains dedicated to making a positive impact in Irondale and beyond. While members can visit us at 1694 Montclair Rd, official correspondence should be sent to 1694 Montclair Rd, Irondale, AL 35210-2410. If you have any questions or need assistance, feel free to reach out at (205) 581-8800 during our operating hours of 9 AM - 4:30 PM Monday through Thursday and 9 AM - 5 PM on Fridays.

Branch Location & Accessibility

Call to Action

We invite you to drop by Alatrust today! Experience firsthand how we can support your financial journey with personalized service and a community-focused approach. We look forward to welcoming you soon!

Nearby Landmarks and Features

If you're in the area, you'll find us conveniently located near local favorites such as the Irondale Cafe and the historic Irondale Train Depot, making it easy to combine errands or enjoy a meal after your visit. We take pride in providing ample parking spaces and ensuring our branch is ADA compliant, so everyone can access our services comfortably.

Operating Hours and Services

Our friendly team is ready to assist you from 9 AM to 4:30 PM Monday through Thursday, and from 9 AM to 5 PM on Fridays. Whether you're stopping by for personal banking, auto loans, or mortgage advice, we offer a wide range of services tailored to meet your financial goals. You can also enjoy the convenience of our drive-thru banking for quick deposits and withdrawals, alongside our ATM services available for those who prefer cash transactions. While members can visit us at 1694 Montclair Rd Irondale Al 35210, official correspondence should be sent to 1694 Montclair Rd, Irondale, AL 35210-2410. If you have any questions or need assistance, don't hesitate to reach out at 205-581-8800.

Member Eligibility

Becoming a member of Alatrust is like joining a family that supports your financial journey. If you're looking to enjoy a range of personalized services and benefits, you'll be glad to know that membership is open to individuals who live, work, worship, or attend school in certain areas around Irondale. We welcome everyone from all walks of life, making it easy for you to connect with our community and take advantage of our offerings. For the most up-to-date eligibility details, feel free to check out this link. Opening an account with us is straightforward and friendly just visit us at our branch located at 1694 Montclair Rd Irondale Al 35210, or give us a call at (205) 581-8800 for assistance. We're here to help you every step of the way as you embark on your path to financial wellness. Discover how being part of Alatrust can enhance your banking experience today!

Business Banking & Commercial Services

Loan Options That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $28 in commercial loans for our members, helping businesses scale and succeed. - 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 $3,593,348, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In addition to loans, we offer merchant services that streamline payment processes for your business. Imagine easily accepting credit card payments from customers without the hassle of complicated setups. Our services make it simple to manage transactions, ensuring you can focus on what you do best growing your business. If you're ready to take the next step or want to learn more about how we can help, visit us at 1694 Montclair Rd Irondale Al 35210, Irondale, AL or call us at (205) 581-8800 today!

Comprehensive List Of Services

Accessibility at Your Fingertips

Our branch features basic drive-thru banking for quick transactions like deposits and withdrawals without leaving your car. Plus, our ATMs allow for simple withdrawals and balance checks whenever it's convenient for you. At Alatrust, we believe that financial empowerment starts with accessible services tailored just for you. If you're ready to take control of your financial journey or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (205) 581-8800 or visit us online at Birmingham Branch today!

Convenient Digital Banking

In today's fast-paced world, convenience is key. With our online and mobile banking platforms, managing your accounts has never been easier. You can access your funds anytime from anywhere whether that's checking balances, making transfers, or paying bills all from the palm of your hand. Additionally, we offer ATM and cash withdrawal services for easy access to your money whenever you need it.

Flexible Financing Options

Life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services are here for you when you need them most. We aim to support your financial well-being by providing credit cards that come with rewards, allowing you to earn while you spend. For business owners, Alatrust offers tailored business banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the tools to help you succeed.

Personal Banking Made Simple

We understand that every member has unique banking needs. That's why we offer a variety of personal banking options, including checking and savings accounts designed to help you manage your day-to-day finances effectively. If you're considering buying a new car or need help with financing your current vehicle, our auto loans and vehicle financing options can get you on the road quickly and affordably. If homeownership is part of your dream, check out our mortgage loans and refinancing services. We strive to make the process straightforward so that you can focus on making memories in your new home.

Digital & Online Banking

Convenient Features for Every Member

Our online banking platform is user-friendly, allowing you to handle your transactions with just a few clicks. You can enjoy the convenience of e-statements, which not only help you stay organized but also reduce paper waste. Say goodbye to cluttered mailboxes! Plus, our mobile application makes it easy to manage your accounts on the go. Download it today and experience banking at your fingertips. Need to send money to a friend? Our person-to-person transfers let you do just that with ease. Whether you're splitting a bill or sending a gift, it's fast and straightforward. If you're looking to make purchases conveniently, our mobile payments feature allows you to pay securely using your smartphone.

Safe and Secure Banking

Security is a top priority for us at Alatrust. While we don't currently support electronic signature authorization, our systems are designed with robust security measures to protect your personal information during every transaction. Your trust is essential, and we strive to maintain it through safe banking practices. With our commitment to providing accessible services, managing your finances has never been easier. Enjoy the flexibility of real-time account management and the peace of mind that comes with secure online banking. Join us at Alatrust today and take full advantage of our digital banking solutions!

Financial Strength

At Alatrust, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is built on a strong foundation, and our financial health reflects our commitment to you. With a net worth of $27,538,433, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid base supports our ability to serve our community effectively. Our net worth ratio of $1,334 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $43,235,670 in share certificates and $15,425,141 in money market shares, 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. Our financial strength is further highlighted by $27,203,433 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $2,575 in used auto loans and $108,532,900 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While we operate efficiently with a net income of $0, it enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 36 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $273,121. Total Share and Deposit Accounts: 22,865, 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, Alatrust is your trusted partner. Visit us at 1694 Montclair Rd Irondale Al 35210 or call (205) 581-8800 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $24,288,168 in used vehicle loans and $10,076,842 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your vehicle straightforward and stress-free.

Business Loans

For business owners, our outstanding commercial loans totaling $3,593,348 provide the capital needed to grow and expand your business. We understand the unique challenges faced by small businesses and are committed to supporting your success. Our commitment to transparency ensures you have all the information you need to make informed decisions about your finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in refinancing or exploring eligibility options for any of our loan products, please reach out! You can contact us at 205-581-8800 or visit us at our branch located at 1694 Montclair Rd Irondale AL 35210. We're here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,297,770, make buying or refinancing simple. We can guide you through the process and help you find a solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $3,836,996 available to help members manage their finances effectively. This option is perfect for those looking for financial flexibility without collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, LendMesh serves as a reliable resource to help you navigate the lending landscape efficiently. 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 adherence to regulatory standards guarantees that users receive fair and transparent offers when they explore their loan options. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates and terms provided. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This approach enables users to access unbiased results, allowing them to make informed decisions without worrying about hidden agendas. Another significant advantage is the real-time rate comparisons offered by LendMesh. Users can view up-to-date loan rates from multiple institutions at once, which helps streamline the decision-making process. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to find competitive rates tailored to your needs, compare real-time loan offers today at LendMesh. 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.

Alatrust