America’s First Mobile AL Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to America's First, your trusted credit union located at 1050 Montlimar Dr, Mobile, AL 36609. Established in 1936, we are proud to serve a vibrant community with over 195,392 members who benefit from our commitment to financial excellence and personalized service. With total assets exceeding $2.5 billion, we offer a range of financial solutions tailored to meet the diverse needs of our members. At America's First, we understand that financial decisions can be overwhelming, which is why our dedicated team is here to help you navigate through them with ease. Under the leadership of CEO Bill Connor and Board President Ross Mitchell, we strive to create an environment where everyone feels valued and empowered. Our branch provides a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. With over 436 employees, we are ready to assist you whether you prefer face-to-face interactions or the convenience of online banking. While members can visit us at our branch address, official correspondence should be sent to 1050 Montlimar Dr, Mobile, AL 36609-1707. For any questions or assistance, feel free to reach out at (251) 342-2328 or explore our services online at www.amfirst.org. Join us today and experience the difference that community-focused banking can make! Whether you're looking for a loan or simply want to learn more about how we can help you achieve your financial goals, we're here for you every step of the way.

Branch History & Mission

At America's First, our journey began in 1936, rooted in the heart of Mobile, Alabama. Over the decades, we have grown from a small financial institution into a thriving community credit union with a rich legacy of service. Our commitment to our members has led us to proudly serve over 195,000 members today, providing them with not just banking services, but also support and resources tailored to their needs. Located at 1050 Montlimar Dr, Mobile, AL 36609, our branch has become a trusted partner for families and businesses alike. We believe that banking should be more than just transactions; it should be about building relationships and supporting the community. Our mission is simple yet profound: to empower our members by offering accessible financial solutions while actively participating in local initiatives that enhance the quality of life in Mobile. Our evolution has been marked by significant milestones. As we expanded our services, we embraced technology to ensure that banking remains convenient and user-friendly. With features like online banking and mobile payments, we make it easier for members to manage their finances anytime, anywhere. We are also dedicated to maintaining an ADA-compliant facility that welcomes everyone. While members can visit us at our branch address for all their banking needs including personal and business accounts, auto loans, mortgage loans, and more official correspondence should be sent to 1050 Montlimar Dr, Mobile, AL 36609-1707. Community outreach is at the core of who we are. We engage with local schools and organizations through various partnerships and sponsorships aimed at fostering financial literacy and supporting those in need. This dedication not only strengthens our ties within the community but also enriches the lives of those we serve. As we look forward to the future, we invite you to join us at America's First. Experience firsthand the benefits of being part of a credit union that truly cares about its members and community. Whether you're looking for reliable financial services or want to participate in community events, there's a place for you here. Feel free to reach out to us at 251-342-2328 or visit our website here for more information on how you can become a member today!

Branch Location & Accessibility

Accessibility Features

At America's First, we prioritize accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can easily navigate the space. There are also ample parking spots available right outside our doors, so you won't have to worry about finding a place to park.

Connect with Us

Ready to experience convenient banking? Feel free to call us at 251-342-2328 if you have any questions or need assistance. We invite you to stop by America's First at Montlimar Dr we're excited to help you with all your banking needs!

Operating Hours

We understand that life gets busy, which is why we offer flexible banking hours to suit your schedule. Our lobby hours run from 9:00 am to 5:00 pm Monday through Thursday and extend to 9:00 am until 6:00 pm on Fridays. This gives you plenty of time during the week to pop in and meet with one of our friendly staff members.

Services Offered

When you visit America's First, you'll discover a range of services designed with your needs in mind. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we've got you covered. Our drive-thru service is perfect for quick transactions like deposits or withdrawals without needing to leave your car. Plus, with ATM availability on-site, accessing cash has never been easier.

Member Eligibility

Becoming a member of America's First is like joining a caring family that's dedicated to supporting your financial journey. If you live, work, worship, or attend school in the areas served by our credit union, you're already on the path to membership! We welcome individuals who meet these criteria and encourage everyone to explore how we can help you achieve your goals. At America's First, you'll enjoy personalized service, competitive rates, and a community-oriented approach that truly makes a difference. Getting started is easy! You can find all the detailed eligibility requirements at https://www.amfirst.org/why/become-a-member/. Once you're ready to take the next step, simply visit us at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3b-glbedv28paokizazcpsiysz_jued5xtutqyvby3- to open your account online or give us a call at (251) 342-2328 for assistance. We're located at 1050 Montlimar Dr Mobile Al 36609, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine having the tools you need right at your fingertips to accept payments effortlessly. Our merchant services provide just that streamlining transactions so you can focus on what really matters: growing your business. From mobile payment options to online processing capabilities, we ensure that your customers have a smooth experience every time they shop with you. Located at 1050 Montlimar Dr Mobile Al 36609, Mobile, AL 36609, we invite you to explore how America's First can be your partner in success. For more information or to get started, call us at (251) 342-2328.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our branch offers easy access to ATMs for withdrawals and balance checks whenever you need them. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car. At America's First in Mobile, we are committed to making your financial experience as smooth as possible. If you have any questions or want to learn more about how we can assist you today, don't hesitate to reach out at 251-342-2328 or visit us at www.amfirst.org. Join us in building a brighter financial future together!

Auto Loans & Vehicle Financing

Are you considering purchasing a new car? Our auto loans and vehicle financing options provide competitive rates to help you drive away in your dream car without breaking the bank. We work with you to find a loan that fits your budget so you can focus on enjoying the ride.

Business Banking

We haven't forgotten about local businesses! Our business banking services, including merchant services and business loans, support entrepreneurs in achieving their dreams. If you're starting or growing a business, we're here to provide the financial tools necessary for success.

Credit Cards with Rewards

For those who enjoy benefits with their purchases, our credit cards with rewards offer an excellent opportunity to earn points on everyday spending. Whether it's groceries or gas, every purchase brings you closer to rewards that matter.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at America's First, we offer robust online and mobile banking features. You can check balances, transfer funds, pay bills, and even manage person-to-person payments all from the comfort of your home or on-the-go using our mobile app.

Mortgage Loans & Refinancing

When it comes to finding a home, we know how important it is to have flexible financing options. Our mortgage loans and refinancing services are designed to make homeownership more accessible. We guide you through the process, ensuring you understand all your options so that you can make informed decisions about one of the biggest investments of your life.

Personal Banking

We understand that managing your finances can be challenging. That's why we offer personal banking services that include checking and savings accounts, making it easier for you to handle day-to-day transactions and save for your goals. Imagine having a safe place to keep your money while also earning interest on your savings. With our online and mobile banking options, accessing your accounts is just a tap away.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and having access to funds can be crucial. Our personal loans are available for various needs, including debt consolidation. Picture yourself simplifying monthly payments into one manageable sum this could be the relief you've been looking for!

Digital & Online Banking

Key Features

One of the standout features of our digital banking is the ability to send money directly to friends and family with our person-to-person transfers. Need to split a bill or pay back a friend? It's simple and quick! Plus, our mobile application is designed for seamless use, making it easier than ever to manage your accounts right from your smartphone. For those who prefer paperless options, we provide e-statements that allow you to view your account activity without the clutter. And when it comes to signing documents, our electronic signature authorization feature means you can complete transactions faster than ever no need for printing or mailing. If you're always on the move, you'll appreciate our mobile payments feature. You can pay for purchases directly from your phone using just a tap making shopping as easy as pie! With real-time account management at your fingertips, staying on top of your finances has never been more accessible. Join us at America's First today and experience the convenience of modern banking through our innovative digital and online services!

Financial Strength

Commitment to Excellence

Our operational efficiency is evident 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.

Growing Member Base

We are thrilled to report that we have a robust community of trust 369,393 total share accounts demonstrate that many members rely on us for their banking needs. 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 1050 Montlimar Dr Mobile Al 36609 or call 251-342-2328 to learn more about how we can help you achieve your financial goals.

Investing Back into 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 capacity to support your financial goals is reflected in our lending portfolio having $1,966,742,791 in total loans and leases including $35,566 used auto loans.

Secure Savings Options

Your savings are in good hands with us. We have $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 focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong 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. We provide financing options for both new and used vehicles, ensuring you have the flexibility to choose what best suits your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $14,884,162 provide the capital needed to grow and expand your business. We understand that every business is unique; therefore, we are here to support you through tailored financial solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $178,150,760, which can help you step into the home of your dreams with ease.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, our refinancing options may be available for various products. Be sure to ask our knowledgeable staff about eligibility requirements when you visit us. Located at 1050 Montlimar Dr Mobile Al 36609, we're committed to serving our community's needs. For more information about our loan offerings or to start an application process today, feel free to call us at 251-342-2328 or visit us online at www.amfirst.org. 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 look forward to partnering with you on your financial journey!

Unsecured Credit Card Loans

Managing everyday expenses can be a challenge. 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. Our credit cards come with competitive rates and rewards that fit your lifestyle.

Loan Aggregator

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Americas First