America’s First Mc Calla AL Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to America's First at our McCalla Branch, located at 4740 Eastern Valley Rd, McCalla, AL 35111. Since our establishment in 1936, we've been dedicated to serving our community with trust and reliability. With a strong membership base of over 195,000 individuals, we pride ourselves on fostering financial wellness and building lasting relationships with our members. Our commitment to your financial success is reflected in our impressive total assets of $2.5 billion and total deposits amounting to $241 million. We offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions to meet your diverse needs. With over 436 employees, we ensure that you receive the highest level of service whether you visit us in person or connect through our online platform at amfirst.org. While members can visit us at 4740 Eastern Valley Rd, official correspondence should be sent to the same address for clarity. Our leadership team, led by CEO Bill Connor and Board President Ross Mitchell, is committed to guiding our credit union towards continued growth and member satisfaction. At America's First, we not only focus on numbers but also on making a positive impact in our community. Our net worth stands strong at $284 million, enabling us to support local initiatives and provide loans that help businesses thrive. Ready to explore what we can do for you? Call us at 205-477-9360 or visit us 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 experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Join Us

We invite you to become part of America's First family. Experience firsthand how we can assist you in achieving your financial dreams while contributing positively to our community. Visit us today or contact us at 205-477-9360 for more information about how you can join us on this journey toward financial empowerment!

Our Journey

From our early days, America's First has focused on building strong relationships with our members and empowering them to achieve their financial goals. Over the years, we have embraced innovation and growth while staying true to our mission of community service. With total assets now exceeding $2.5 billion, we have expanded our services to meet the diverse needs of our members. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here to help. Our branch is equipped with modern conveniences such as ATM availability and drive-thru banking services, making it easy for you to manage your finances on your terms. We prioritize accessibility, ensuring that all members can benefit from our services.

Our Mission

The mission of America's First is clear: we aim to enhance the financial well-being of our members while fostering a sense of community. We offer a wide range of services from personal loans to business banking to help individuals and families thrive financially. Beyond just transactions, we believe in giving back through community outreach efforts and partnerships that strengthen local initiatives. While members can visit us at 4740 Eastern Valley Rd, official correspondence should be sent to 4740 Eastern Valley Rd, Mc Calla, AL 35111-3406 if different from our branch address. As we move forward into the future, America's First is dedicated to continuing this mission by leveraging digital advancements that make banking more convenient than ever. From online banking to mobile payments, we are committed to providing customer-centric solutions that cater to your needs.

Branch Location & Accessibility

Convenient Access and Features

At America's First, we understand that convenience is key for our members. That's why we offer ample parking right outside our doors, making it easy for you to stop by. Our branch is fully ADA compliant, ensuring that everyone can access our services without any hassle. Plus, if you prefer banking on the go, we have an ATM available on-site for quick cash withdrawals and balance checks. Our operating hours are tailored to fit your busy schedule: we're open from 9:00 AM to 5:00 PM Monday through Thursday and extend our hours until 6:00 PM on Fridays. This gives you plenty of time to come in for personal banking services like checking and savings accounts, auto loans, mortgage refinancing, and more.

Drive-Thru Banking

For those who appreciate a little extra convenience, we also offer drive-thru banking services. You can handle deposits, withdrawals, and other simple transactions without leaving your car perfect for those days when you're on the go! While members can visit us at 4740 Eastern Valley Rd for all their banking needs, official correspondence should be sent to the same address listed above. If you have any questions or need assistance, don't hesitate to give us a call at 205-477-9360. We invite you to visit America's First McCalla Branch today! Experience firsthand how we can help you with all your financial goals.

Member Eligibility

Joining America's First is like stepping into a warm, welcoming community where your financial well-being is our top priority. To become a member at our Mc Calla branch located at 4740 Eastern Valley Rd, Mc Calla, AL 35111, you'll find that the process is straightforward and inclusive. If you live, work, or worship in certain areas of Alabama or have family members who are already members, you're likely eligible to join us! Being part of America's First opens doors to a range of benefits such as competitive loan rates, personal banking services, and access to resources designed to help you achieve your financial goals. To get started on your journey with us, simply visit our membership eligibility page at this link for detailed information on requirements. When you're ready to open an account, it's just as easy head over to this page and follow the prompts. Should you have any questions along the way, don't hesitate to give us a call at 205-477-9360. We're excited to welcome you into our family!

Business Banking & Commercial Services

At America's First, we understand that every business has its unique journey. Whether you're a startup looking for your first boost or an established company planning to expand, our tailored business banking and commercial services are designed to help you thrive. Imagine a local café in Mc Calla, AL, wanting to add a new seating area to welcome more customers. With our member commercial loans, we've funded over $34 in loans for businesses just like yours, empowering them to scale and succeed. We also support the broader business community with $12 in non-member commercial loans, providing flexible financing solutions that meet diverse needs. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - With an outstanding commercial loan portfolio of $14,884,162, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, our merchant services simplify transactions so you can focus on what matters most running your business. Picture having the ability to accept payments seamlessly from your customers while managing your cash flow efficiently. Visit us at 4740 Eastern Valley Rd, Mc Calla, AL 35111 or call us at 205-477-9360 to learn how we can support your business dreams today!

Comprehensive List Of Services

Business Banking Options

For small business owners in the community, we offer comprehensive business banking solutions, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our products are designed to support your success.

Convenient Digital Banking

We understand that life is busy. That's why we prioritize convenience with our online and mobile banking services. With features like mobile payments, person-to-person transfers, and e-statements at your fingertips, managing your finances has never been easier. Our ATMs provide quick access for cash withdrawals and balance checks without any hassle.

Drive-Thru & ATM Services

Need quick service? Our basic drive-thru banking offers deposits, withdrawals, and simple transactions without leaving your vehicle. If you're on the go, our ATMs are available for withdrawals and balance inquiries whenever you need them. In summary, whether you're in Mc Calla or nearby areas seeking personal or business banking services, America's First is committed to meeting all your financial needs with warmth and dedication. For more information about how we can assist you today or to speak with one of our representatives at 205-477-9360, visit us online at www.amfirst.org. Join us in making your financial dreams a reality!

Empowering Your Financial Growth

If you're managing debt or planning for the future, our personal loans and debt consolidation options are here to help. Our friendly team can assist you in finding the right solution tailored to your circumstances. Plus, for those who love rewards, our credit cards with rewards offer cash back and points on every purchase making every transaction work for you.

Home Financing Made Easy

For those dreaming of homeownership or looking to refinance an existing mortgage, our mortgage loans and refinancing services provide flexible terms and competitive rates. We guide you through the process so you can focus on turning that house into your home.

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed for everyday use. Imagine having a reliable place to deposit your paycheck and save for future goals all while enjoying competitive interest rates and low fees. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options make it simple and affordable. You can drive off with confidence knowing you have a loan that fits your budget.

Digital & Online Banking

Accessibility at Your Fingertips

Our online banking services are user-friendly and designed for real-time account management. You can easily monitor your spending habits and make informed financial decisions without stepping foot in a branch. So why wait? Explore the convenience of digital banking with us today! For more information about our services or to get started with online banking, visit us at https://www.amfirst.org/. Your financial journey starts here at America's First!

Key Features

With our online banking platform, accessible at https://www.amfirst.org/, you can manage your accounts 24/7. Whether you're checking balances, transferring money, or paying bills, everything is right at your fingertips. Plus, our mobile application makes it even easier to bank on the go! Need to send money quickly? Our person-to-person transfer feature allows you to send funds instantly to friends or family without any hassle. And if you're looking for a paperless option, e-statements are available, providing a secure way to view your account activity without cluttering your mailbox.

Security and Convenience

Security is our top priority at America's First. We use electronic signature authorization for transactions, ensuring that your information is safe and protected. You can bank with confidence knowing that we take your security seriously. Our mobile payments feature allows you to pay directly from your phone, making shopping easier than ever. Whether you're buying groceries or dining out, just tap and go!

Financial Strength

Growing Member Base

Total Share Accounts stand at 369,393, showing a strong and growing member base that trusts us with their finances. This trust is what drives us to continuously improve our services. 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 4740 Eastern Valley Rd Mc Calla AL 35111 or call 205-477-9360 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Operational Efficiency

Our operations reflect our efficiency with a 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.

Reinvestment for Better Services

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 your financial goals with $1,966,742,791 in total loans and leases, including $35,566 in used auto loans.

Strong Financial Position

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. We make it simple to finance your vehicle purchase so that you can enjoy your drive without breaking the bank.

Credit Lines

Need access to funds for unexpected expenses or projects? Our total credit lines amount to $235,222,769, providing you with reliable options when you need them most. This flexibility allows you to borrow what you need without the pressure of long-term commitments. For business owners looking for growth opportunities, our outstanding commercial loans totaling $14,884,162 provide the capital needed to expand and succeed in today's market. If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. Our team is ready to discuss how we can best serve your financial needs. To learn more about our loan offerings or schedule an appointment at our branch located at 4740 Eastern Valley Rd Mc Calla AL 35111, call us at 205-477-9360. We're open Monday through Thursday from 9:00 am - 5:00 pm and Friday from 9:00 am - 6:00 pm. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your path to achieving financial success starts here at America's First!

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 provide competitive rates and personalized service to ensure you find the right mortgage solution for your needs.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why 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. With our credit card options, you can enjoy rewards while keeping your budget on track.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

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 transparency means that users can trust they are receiving fair and accurate loan offers.

Americas First