America’s First Oxford AL Credit Union | Affordable Auto Loans & Checking Accounts

Introduction

Welcome to America's First at our Anniston/Oxford Branch, located at 31 Commons Way, Oxford, AL 36203. Since our establishment in 1936, we have proudly served our community with a commitment to providing exceptional financial services tailored to the needs of our members. With over 195,392 members and total assets reaching an impressive $2,514,666,869, we are dedicated to supporting your financial goals every step of the way. Our branch is not just a place for transactions; it's a hub for building relationships and fostering trust. Under the leadership of CEO Bill Connor and Board President Ross Mitchell, we strive to create a welcoming environment where members can feel confident in their financial decisions. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even business banking services, we've got you covered. While you can visit us at our physical location for all your banking needs, please note that official correspondence should be sent to the same address: 31 Commons Way, Oxford, AL 36203. If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at (256) 237-1684 during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Join us today and discover how America's First can help you achieve your financial dreams with confidence! For more information about our services or to get started with your membership, visit us online at www.amfirst.org. Your journey towards better financial health begins here!

Branch History & Mission

At America's First, we pride ourselves on a rich legacy that dates back to our opening in 1936. Situated at 31 Commons Way in Oxford, AL, our branch has grown into a vital part of the community, serving over 195,000 members with unwavering dedication. From humble beginnings, we've evolved to manage total assets of approximately $2.5 billion, reflecting our commitment to financial stability and growth for our members. Our mission is simple yet profound: to empower our members by providing excellent financial services while actively supporting the community. We believe that banking should be about people helping people. This principle guides us as we offer a variety of services including personal banking, auto loans, mortgages, and business loans. Our goal is to make financial solutions accessible and straightforward for everyone. While members can visit us at our branch address in Oxford, official correspondence should be sent to the same location as our mailing address: 31 Commons Way, Oxford, AL 36203. Located conveniently near local landmarks, we're easy to reach whether you're driving through or stopping by for a visit. Our operating hours are designed with your convenience in mind open from 9:00 am to 5:00 pm Monday through Thursday and until 6:00 pm on Friday. Plus, we offer drive-thru banking and ATM access for quick transactions on the go. Our digital advancements ensure that you can manage your finances anytime with online and mobile banking options. At America's First, we also recognize the importance of giving back. Our branch engages in numerous community outreach efforts and partnerships that strengthen ties within Oxford and beyond. We are committed to supporting local initiatives because we believe that a stronger community makes for happier members. Join us today and experience firsthand how America's First can help you achieve your financial goals while being part of a supportive community. Whether you're looking for a new account or seeking loan options, we invite you to connect with us at 256-237-1684 or visit our website to learn more about becoming a member. Together, let's build a brighter financial future!

Branch Location & Accessibility

Get In Touch

If you have any questions or would like more information about what we offer, don't hesitate to give us a call at 256-237-1684. We invite you to stop by and see how we can assist you with all of your banking needs. At America's First, we're not just a credit union; we're part of the community!

Operating Hours

Our friendly team is here to help during our convenient operating hours: from 9:00 AM to 5:00 PM Monday through Thursday and until 6:00 PM on Fridays. We know how important it is for you to manage your finances on your schedule.

Parking and Accessibility

We offer ample parking right outside our doors, making it simple for you to hop in and out. Our branch is also equipped with ADA-compliant features, including ramps for easy access so that everyone can enjoy our services without hassle.

Services Offered

At America's First, we provide a range of financial services tailored to meet your needs. From checking and savings accounts to auto loans, mortgages, and even credit cards with rewards, we have something for everyone. Our drive-thru service allows for quick transactions like deposits and withdrawals without leaving your car. And if you're looking for cash, our ATM is available for your convenience.

Member Eligibility

At America's First, we believe that joining our community is about more than just banking it's about becoming part of a supportive family that looks out for each other. If you're wondering whether you can become a member, the good news is that eligibility is straightforward! You can join us if you live, work, or go to school in certain areas, or if you have family members who are already part of our credit union. This inclusive approach means we welcome individuals from various backgrounds and experiences to enjoy the benefits of membership. For detailed eligibility criteria, feel free to visit our website at this link. Once you're ready to take the next step, opening an account with us is a breeze! Just head over to this page where you can get started on your application. We're here to support you every step of the way. If you have any questions or need assistance, don't hesitate to give us a call at (256) 237-1684. We can't wait to welcome you into our community at 31 Commons Way, Oxford, AL 36203!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine having a smooth system for accepting payments, whether in-store or online. This means more time focusing on what you do best running your business! From mobile payments to online transaction management, our tools are here to enhance your operational efficiency. Located at 31 Commons Way, Oxford, AL 36203, we're here to help you take your business to the next level. Give us a call at 256-237-1684 or visit our website at amfirst.org to learn more about how we can support you.

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

Auto Loans & Vehicle Financing

Thinking of buying a new car? Our auto loans and vehicle financing services provide competitive rates that can help you get behind the wheel without straining your budget. With flexible terms tailored to your situation, financing your dream car has never been easier.

Business Banking Services

Running a business? We haven't forgotten about you! Our business banking services, including merchant services and business loans, are structured to support local entrepreneurs like yourself. We know how vital it is for businesses to have quick access to funds and reliable support.

Convenient Access Options

We want banking to fit seamlessly into your life. That's why we provide convenient features such as ATM access for easy cash withdrawals and balance checks, along with our basic drive-thru banking for simple transactions like deposits and withdrawals.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards come with rewards that fit your lifestyle. Whether it's travel perks or cash back on everyday purchases, you'll find a card that suits your spending habits perfectly.

Get Started Today!

Whether you're interested in opening an account or learning more about our various services, don't hesitate to reach out! Call us at 256-237-1684 or visit us at America's First in Oxford. Let us help you navigate your financial journey today! Visit our website at amfirst.org for more information on how we can serve you better.

Mortgage Loans & Refinancing

If homeownership is on your horizon or you're considering refinancing, our mortgage loans come with personalized assistance every step of the way. Our experts will guide you through the process, making it straightforward so that you can focus on what truly matters making your house a home.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking services, including checking and savings accounts, are designed with you in mind. You can easily monitor your accounts through our online and mobile banking platforms, ensuring you have access to your funds anytime and anywhere. Plus, we offer personal loans and debt consolidation options to help you tackle any financial hurdles.

Digital & Online Banking

Key Features

With our mobile application available for download, you're equipped to handle transactions on-the-go. You can easily make person-to-person transfers with friends and family, ensuring that sending and receiving money is quick and hassle-free. Plus, if you prefer the paperless route, our e-statements feature allows you to receive your account statements electronically saving both time and trees! For added security and ease of use, we offer electronic signature authorization. This means that signing documents electronically is not only simple but also secure. You can rest easy knowing that your information is protected while enjoying the convenience of digital banking. Additionally, our mobile payments feature lets you make purchases directly from your device. This means no more fumbling for cash or cards when you're out and about. Just tap and go! At America's First, we're committed to providing an accessible and user-friendly banking experience that fits into your lifestyle. Visit us online at https://www.amfirst.org/ to explore all the digital services we offer and take charge of your financial future today!

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 share that our financial strength reflects our commitment to providing you with reliable and trustworthy banking services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 1131 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 is robust; we offer $1,966,742,791 in total loans and leases including $35,566 in used auto loans to support your financial goals across various sectors. While our net income currently stands at $0, this reflects our careful management of resources as we focus on delivering value to you. 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. Net Shares (Funds available for lending and investments): $585,914. Our commitment to our members is evident as shown by the total share accounts of 369,393, highlighting 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 31 Commons Way Oxford AL 36203 or call us at 256-237-1684 to learn more about how we can help you achieve your financial goals.

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 offer financing options for both new and used vehicles, ensuring that you can find the right fit for your budget and lifestyle.

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we provide flexible credit lines with a total of $235,222,769 available. This gives you easy access to funds when needed. We also offer unsecured credit card loans totaling $43,761,685, which can help you manage everyday expenses while maintaining control over your finances. For those interested in refinancing options or checking eligibility for our various loan products, we encourage you to reach out. You can contact us at 256-237-1684 or visit us at our branch located at 31 Commons Way, Oxford, AL 36203. We're committed to serving our members and helping them find the best financial solutions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how America's First can support your financial journey today!

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're here to guide you through the process and help you secure a comfortable loan that aligns with your financial situation.

Loan Aggregator

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Americas First