America’s First Cullman AL Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to America's First at our Cullman Branch, located conveniently at 300 4th Ave SW, Cullman, AL 35055. Since opening our doors in 1936, we have proudly served our members and the surrounding community with a commitment to trust and reliability. With over 195,000 members and a robust asset base of $2.5 billion, we are dedicated to providing personalized financial solutions tailored to meet your needs. At America's First, we understand that your financial journey is unique. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our total deposits stand at an impressive $241 million, reflecting the strong relationships we've built over the years. While members can visit us at our Cullman location, official correspondence should be sent to the same address for your convenience. You can reach us anytime at 256-734-4750 for assistance or inquiries about our offerings. Under the leadership of CEO Bill Connor and Board President Ross Mitchell, our dedicated team of 436 employees is here to ensure you receive exceptional service every step of the way. Whether you're looking to open a new account or need guidance on loan options, we're ready to help you succeed financially. Explore more about us online at www.amfirst.org or stop by our branch during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM. Join us today and discover how America's First can be your trusted partner in achieving your financial goals!

Branch History & Mission

Community Commitment

Our commitment extends beyond finance. We actively engage in partnerships with local organizations to support educational programs and community development projects. By working together with local leaders and businesses, we aim to foster a stronger community where everyone can flourish. While members can visit us at our branch location in Cullman for all their banking needs including access to ATMs and drive-thru services official correspondence should be sent to 300 4th Ave SW, Cullman, AL 35055-4130. In closing, if you're looking for a credit union that truly cares about its members and the community it serves, look no further than America's First. Join us today and experience the benefits of being part of a family-oriented institution that prioritizes your financial well-being! For inquiries or assistance, please call us at 256-734-4750 or visit our website at www.amfirst.org. Your future starts here!

Our Mission

At America's First, our mission statement reflects our core values: "To serve our members with integrity and excellence while making a positive impact on our community." This mission drives us every day to provide not only essential financial services but also support local initiatives and outreach programs. We believe in giving back to Cullman and surrounding areas because when our community thrives, we all benefit. We are proud to be ADA compliant and offer various digital tools such as online banking and mobile payments for your convenience. Whether you prefer visiting us in person or using our digital platforms, we strive to ensure that your experience is smooth and enjoyable.

Our Story

Located at 300 4th Ave SW, Cullman, AL 35055, America's First has always been more than just a financial institution. Our mission is to empower individuals and families by providing accessible and affordable financial services. We understand that banking isn't just about transactions; it's about building relationships and supporting our members through various life stages. From humble beginnings as a local credit union, we have evolved significantly over the years. Our commitment to innovation has allowed us to offer modern banking solutions while maintaining the personal touch that sets us apart. Today, we proudly provide a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, business banking services, and more.

Branch Location & Accessibility

Accessibility Features

At America's First, we prioritize accessibility for all our members. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us comfortably. With ample parking available right outside the door, you won't have to worry about finding a spot when you come in.

Connect with Us

Ready to experience all that America's First has to offer? We invite you to stop by our Cullman Branch or give us a call at 256-734-4750 if you have any questions. Your financial journey starts here, and we can't wait to assist you!

Operating Hours and Services

We welcome you during our convenient operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgage refinancing, our dedicated team is ready to help. In addition to in-branch services, we offer drive-thru banking for quick deposits and withdrawals without leaving your vehicle. Plus, enjoy the ease of accessing cash through our ATM located on-site.

Member Eligibility

At America's First, we believe that joining our community is like becoming part of a supportive family where your financial needs are prioritized. To become a member, you'll need to meet some simple eligibility criteria. If you live, work, worship, or attend school in Cullman County or are an immediate family member of an existing member, you're already on the right track! Our goal is to make banking accessible and beneficial for everyone in our community. Opening an account with us is as easy as pie! You can get started online or visit us at our branch located at 300 4Th Ave Sw, Cullman, AL 35055. If you have any questions or need assistance during the process, feel free to give us a call at 256-734-4750. For more detailed information about eligibility and to stay updated on any changes, please check out our website at this link. We can't wait to welcome you as a valued member of America's First!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced environment, smooth transactions are crucial. Our merchant services help streamline payments, making it easy for your customers to shop with you. Imagine a busy Saturday at your store; with our reliable payment processing solutions, you can focus on serving your customers instead of worrying about transactions. Partner with America's First for all your business banking needs. Together, we can build a stronger future for your business right here in Cullman. For more information, visit us at 300 4Th Ave Sw Cullman Al 35055 or give us a call at (256) 734-4750.

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

Accessibility and Convenience

For those who prefer traditional banking methods, we offer basic Drive-Thru Banking for quick transactions like deposits and withdrawals. Our friendly staff is always ready to assist you during our operating hours from 9:00 AM to 5:00 PM Monday through Thursday and until 6:00 PM on Fridays.

Business Banking

We also understand the needs of local businesses. Our Business Banking services include Merchant Services and Business Loans that empower entrepreneurs in Cullman. Whether you're starting a new venture or expanding an existing one, we are here to support your growth.

Digital Banking Features

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms allow you to manage your accounts anytime and anywhere. With features like ATM access for withdrawals and balance checks, banking has never been easier. Plus, our mobile app enables person-to-person payments with just a few taps on your phone.

Financial Support When You Need It

Life can throw unexpected challenges your way, which is why our Personal Loans & Debt Consolidation services are designed to help you regain control over your finances. Whether it's consolidating debt or funding a major expense, we provide support tailored to your situation. For those looking to enhance their purchasing power, our Credit Cards with Rewards let you earn points on every dollar spent. Imagine getting cash back or travel rewards just for using your card on everyday purchases.

Join Us Today!

At America's First, we're more than just financial services; we're a community partner invested in your success. If you're ready to take the next step towards better financial health or if you have any questions about our offerings, don't hesitate to reach out! Call us at 256-734-4750 or visit us online at www.amfirst.org. Let's work together towards achieving your financial goals!

Personal Banking Solutions

Navigating personal finances can be overwhelming, but at America's First, we simplify it. Our Checking & Savings Accounts help you manage your day-to-day expenses while saving for future goals. Whether you need to set up an emergency fund or plan for a vacation, we have options that suit various lifestyles and preferences. If you're considering buying a car, our Auto Loans & Vehicle Financing provide competitive rates and flexible terms. Imagine driving off in your dream vehicle without worrying about high monthly payments. We also offer Mortgage Loans & Refinancing that make homeownership more accessible than ever. Picture turning the key to your new front door or lowering your current mortgage payment with our refinancing options.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, ensuring you have access to your accounts whenever you need it. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, with the option for electronic signatures, signing documents has never been easier or more secure just one more way we put you in control. If you're looking to streamline your financial management, our e-statements are a great choice. They not only reduce paper clutter but also allow you to access your statements quickly and securely from your device. Say goodbye to waiting for mail!

Mobile Banking Made Easy

For those on the go, our mobile application brings banking right to your fingertips. You can make person-to-person transfers effortlessly and even enjoy the convenience of mobile payments at checkout. Imagine being able to pay for groceries or dinner without fumbling for cash or cards! All these features come together to create an easy-to-use interface that makes real-time account management simple. At America's First, we prioritize your experience and safety, so you can bank confidently knowing that your information is protected. With us, managing your money is not just convenient; it's also secure and straightforward. Explore our digital banking options today and see how easy it is to take control of your financial future!

Financial Strength

Growing Together

Total Share Accounts stand at an impressive 369,393, showing a strong and growing member base that trusts us with their finances. Additionally, the funds available for lending and investments (Net Shares) total $585,914. 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 300 4Th Ave Sw Cullman Al 35055 or call 256-734-4750 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.

Investments in Our Community

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 $35,566 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, enabling 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 and committed team.

Member Savings Security

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.

Our Financial Health

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.

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. Whether you are interested in financing a brand-new model or a reliable used vehicle, we have flexible options available for you.

Business Loans

For business owners looking to expand or improve their operations, our outstanding commercial loans totaling $14,884,162 provide the capital needed for growth. We understand the challenges businesses face and are dedicated to offering solutions that work for you. At America's First Credit Union in Cullman, AL, we're more than just a lending institution; we're a partner in your financial journey. For any questions regarding our loan products or how we can assist you further, please don't hesitate to contact us at 256-734-4750 during our operating hours from 9:00 am - 5:00 pm Monday through Thursday and until 6:00 pm on Fridays. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today! Visit us online at America's First or come see us in person.

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 various plans that cater to different income levels and family sizes. If you're considering refinancing your current mortgage or exploring eligibility options for a new home loan, our team is here to guide you through the process.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $43,761,685 in loans helping members manage their finances effectively. These cards provide convenience and can be an excellent tool for building your credit score while enjoying rewards.

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Americas First