America’s First Bessemer AL Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

At America's First, we believe that strong communities are built on trust and support. Located at 2131 19Th St N, Bessemer, AL 35020, our Bessemer Branch is dedicated to providing exceptional financial services to our 195,392 members. Since opening our doors in 1936, we have grown into a pillar of the community, managing total assets of over $2.5 billion and offering a wide range of products tailored to meet your needs. As part of our commitment to your financial well-being, we offer personal banking options such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. With total deposits exceeding $241 million, you can trust that your money is safe and secure with us. Our experienced team is here to assist you every step of the way. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to 2131 19th St N, Bessemer, AL 35020-8840. Feel free to reach out at (205) 424-8542 or stop by during our lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM. Under the leadership of CEO Bill Connor and Board President Ross Mitchell, America's First remains committed to serving our members with integrity and dedication. We invite you to experience the difference that comes with being part of a member-focused credit union. Visit us today or explore more about what we offer at our website. Your financial journey starts here!

Branch History & Mission

America's First has a rich legacy that began in 1936, when it first opened its doors to the community of Bessemer, Alabama. Over the years, this credit union has grown and evolved, serving as a steadfast financial partner to its members. Located at 2131 19th St N, Bessemer, AL 35020, our branch is conveniently situated near local landmarks that reflect the vibrant spirit of our city. With a membership base of over 195,000 individuals, America's First is dedicated to providing accessible and affordable financial services. Our total assets have reached an impressive $2.5 billion, showcasing our commitment to stability and growth. We understand the importance of community support and strive to make a positive impact through various outreach initiatives. At America's First, our mission is clear: to empower our members with the financial tools they need for success while fostering a sense of belonging and community. We offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Our digital advancements ensure that members can manage their finances effortlessly through online and mobile banking. While members can visit us at 2131 19th St N for all their banking needs, official correspondence should be sent to our mailing address: 2131 19th St N, Bessemer, AL 35020-8840. We also proudly feature an ATM for your convenience and offer drive-thru banking services for quick transactions. As we continue to grow alongside our community, we remain committed to upholding the values that have defined us since our inception integrity, service, and support. Join us today at America's First and experience firsthand the benefits of being part of a credit union that truly cares about its members' financial well-being. Together, we can build a brighter future! For more information or to become a member, call us at (205) 424-8542 or visit our website.

Branch Location & Accessibility

Call to Action

Ready to experience the difference? Visit us today at the Bessemer Branch or give us a call at 205-424-8542. We can't wait to welcome you into the America's First family!

Nearby Landmarks & Accessibility

As you approach our branch, you'll notice its prime location near popular landmarks that make it easy to drop by while running errands. We offer ample parking for your convenience, along with features like ADA-compliant ramps to ensure accessibility for everyone.

Operating Hours & Services

We are here to serve you during our lobby hours from 9:00 AM to 5:00 PM Monday through Thursday, and until 6:00 PM on Fridays. If you prefer the ease of banking from your vehicle, take advantage of our drive-thru service for quick deposits and withdrawals. Plus, our ATM is available 24/7 for your cash withdrawal needs. At America's First, we're committed to providing a range of personal banking services tailored just for you. From checking and savings accounts to auto loans and mortgages, we have solutions designed to help you achieve your financial goals. Our friendly team is always ready to assist you with any questions or transactions.

Member Eligibility

Becoming a member of America's First is like joining a family that genuinely cares about your financial well-being. If you're looking to become part of our community, you'll be glad to know that eligibility is open to a wide range of individuals. Whether you live, work, worship, or attend school in the area surrounding 2131 19Th St N Bessemer Al 35020, you can easily qualify for membership. We believe in inclusivity, and our goal is to support as many people as possible in achieving their financial dreams. Joining America's First not only gives you access to fantastic services like personal banking and auto loans but also connects you with a network of supportive members who share similar values. The process to open an account is simple and welcoming; just visit our website for the full details on eligibility at https://www.amfirst.org/why/become-a-member/, or call us at (205) 424-8542 if you have questions. Ready to take the next step? You can start your application online by visiting https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3b-glbedv28paokizazcpsiysz_jued5xtutqyvby3-. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services that Make Life Easier

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine having the ability to accept various payment methods from your customers easily be it credit cards, mobile payments, or online transactions. These services not only enhance customer satisfaction but also streamline your operations so you can focus on what you do best: running your business. Located at 2131 19Th St N, Bessemer, AL 35020, we're here to help you thrive. Contact us at 205-424-8542 or visit us during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. Let's work together to unlock your business's full potential!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $34 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $12 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $14,884,162, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Convenient Access Anytime

We also ensure that banking is convenient with our ATM and cash withdrawal services available at various locations, including right here at our Bessemer branch. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. Whether it's early morning or late afternoon, we're here during our lobby hours from 9:00 AM to 5:00 PM on weekdays (and until 6:00 PM on Fridays) to assist you.

Personal Banking Solutions

Our personal banking services start with checking and savings accounts that make managing your money easier than ever. With features like online banking and mobile payments, you can access your funds anytime, anywhere. Imagine checking your balance or transferring money while waiting in line at the grocery store our digital tools help you do just that! When it comes to financing your next vehicle, our auto loans and vehicle financing options are designed to fit your budget. We understand that buying a car is a big decision, which is why our team is here to guide you through the process. Plus, if you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans and refinancing services can help make those dreams a reality.

Stay Connected

In today's fast-paced world, staying connected is essential. With features like online and mobile banking, managing your finances has never been easier. Enjoy the freedom of handling your accounts at home or on the go with just a few taps on your smartphone. We invite you to explore all that America's First has to offer at our branch located at 2131 19Th St N, Bessemer, AL 35020. If you have questions or need assistance, feel free to call us at 205-424-8542. Join us today and take advantage of these valuable services tailored just for you! Visit our website for more information or check out how easy it is to become a member here. Your financial journey starts with us!

Support for Your Financial Journey

If you're facing debt challenges, our personal loans and debt consolidation options can provide relief by offering flexible repayment terms tailored to your situation. And don't forget about our credit cards with rewards, which not only offer convenience but also let you earn points on everyday purchases perfect for treating yourself later! For those running their own businesses, we offer comprehensive business banking solutions, including merchant services and business loans. We know how vital it is for entrepreneurs to have reliable financial backing and resources.

Digital & Online Banking

Key Services

Our online banking service provides a user-friendly experience, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can even send money to friends or family easily with our person-to-person transfer feature, making it simple to share expenses or send gifts. Security is paramount at America's First. We utilize electronic signature authorization for secure transactions, ensuring that your information remains safe while you bank online. Plus, with e-statements available, you can stay organized and environmentally friendly by receiving your account statements electronically.

Mobile Banking Made Easy

Stay connected on the go with our mobile application. Whether you're making payments or checking your balance, everything is at your fingertips. Plus, if you prefer to use mobile payments, our services support that too making transactions fast and straightforward right from your smartphone. Overall, the digital banking experience at America's First combines accessibility with ease-of-use. With real-time account management and a variety of features designed for your lifestyle, you can feel confident managing your finances efficiently and securely. Join us today and experience how convenient banking can be!

Financial Strength

At America's First, 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 are proud to showcase our strong financial standing, which ensures that you can trust us with your savings and loans. With a net worth of $284,700,495, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.31% 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 $593,125,482 in share certificates and $205,559,879 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. With $280,830,625 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 $7,71132 in used auto loans and a total of $1,966,742,791 in loans and leases. Our operational efficiency is reflected in our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 411 full-time employees and 25 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): $585,914. Total Share and Deposit Accounts: 369,393, 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, America's First is your trusted partner. Visit us at 2131 19Th St N Bessemer Al 35020 or call 205-424-8542 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 $750,972,118 in used vehicle loans and $447,431,231 in new vehicle loans already helping members get on the road, we make it easy for you to drive away with confidence. Whether you're interested in financing a new or used vehicle, our flexible terms can accommodate your needs.

Business Loans

For business owners looking to expand or enhance operations, our outstanding commercial loans totaling $14,884,162 provide the capital needed for growth. We understand the challenges faced by businesses today and are here to support your journey with tailored financial solutions. At America's First Credit Union in Bessemer, AL, we are committed to providing transparent and accessible lending options for all members. If you're considering refinancing or exploring eligibility options for any of our loan products, feel free to reach out or visit us online for more information. 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 us help you navigate your financial journey with ease!

Credit Lines and Personal Loans

For those seeking additional flexibility in managing expenses or consolidating debt, we offer a total of $235,222,769 in credit lines. Additionally, our unsecured credit card loans amounting to $43,761,685 help members manage their finances effectively with adaptable repayment options.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $178,150,760, make buying or refinancing simple. We offer competitive rates and personalized service to guide you through the process of securing your dream home.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through a robust data sourcing method. 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 to regulatory compliance guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the rates they see reflect real-world offers. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison reflects true market conditions without influence from advertising dollars. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. This feature helps them secure better deals tailored to their needs. 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!" Such testimonials highlight the effectiveness and reliability of this tool in helping individuals save money. 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.

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