America’s First Pelham AL Credit Union | Low Mortgage Rates & Business Banking

Introduction

Welcome to America's First at our Pelham Branch, located at 10 Racquet Club Pkwy, Pelham, AL 35124. Since opening our doors in 1936, we have been dedicated to serving our community with trust and reliability. With a strong membership base of over 195,000 members, we pride ourselves on being more than just a financial institution; we're your partners in achieving your financial goals. At America's First, we understand that every member has unique needs. That's why we offer a wide range of services tailored for you, including checking and savings accounts, auto loans, mortgage refinancing, personal loans, credit cards with rewards, and business banking solutions. Our total assets stand impressively at $2,514,666,869, reflecting our commitment to provide secure and beneficial banking experiences. While you can visit us at our branch for personalized service or use our online tools anytime through our website at amfirst.org, please note that all official correspondence should be sent to the same address: 10 Racquet Club Pkwy, Pelham, AL 35124. Led by our dedicated CEO Bill Connor and Board President Ross Mitchell, our team of 436 employees is here to support you every step of the way. Our commitment to the community is not just about numbers; it's about making a positive impact in the lives of those we serve. With over $241,463,130 in total deposits and an exceptional net worth of $284,700,495, we have the resources to help you thrive. Whether you're looking to open a new account or need assistance with loans totaling over 120,593, we invite you to reach out. Call us at 205-663-1945 or visit us during our lobby hours from 9 AM to 5 PM Monday through Thursday and until 6 PM on Fridays. Together, let's build a brighter financial future!

Branch History & Mission

America's First has a rich legacy that began in 1936, when it opened its doors to the community of Pelham, AL. Located at 10 Racquet Club Pkwy, our branch has grown alongside the people we serve, evolving from humble beginnings into a trusted financial partner for nearly 200,000 members today. With total assets reaching an impressive $2,514,666,869, we are proud to offer a wide range of financial services tailored to meet the diverse needs of our community. Our mission at America's First is straightforward yet impactful: to provide exceptional financial services while supporting the growth and well-being of our members and the communities we serve. We aim to empower individuals with the tools they need for financial success, whether through personal banking, auto loans, or business services. We believe that when our members thrive, our community flourishes. As we reflect on our journey, it's clear that our commitment to innovation and accessibility has shaped who we are today. We have embraced digital advancements in banking, offering online and mobile banking options that allow members to manage their finances conveniently from anywhere. Our ATM services and drive-thru banking ensure that we're always within reach for those quick transactions or essential withdrawals. While members can visit us at 10 Racquet Club Pkwy, official correspondence should be sent to 10 Racquet Club Pkwy, Pelham, AL 35124 if it differs from this address. Our operating hours are designed with your convenience in mind; we're open Monday through Thursday from 9:00 am to 5:00 pm and Friday until 6:00 pm. America's First is more than just a financial institution; we are a cornerstone of the Pelham community. Through various partnerships and outreach programs, we strive to give back and make a meaningful difference in people's lives. Whether through educational workshops or local sponsorships, we are dedicated to fostering a strong sense of community among our members. We invite you to join America's First and experience firsthand the many benefits of membership. Become part of a cooperative where your needs come first and together we can build a brighter future for everyone in Pelham and beyond. Visit us online at www.amfirst.org or call us at 205-663-1945 for more information on how to get started!

Branch Location & Accessibility

Call to Action

We invite you to visit America's First Pelham Branch today! If you have any questions or need assistance before stopping by, feel free to give us a call at 205-663-1945. We look forward to helping you achieve your financial goals!

Convenient Access and Features

At America's First, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, ensuring that everyone can navigate our facilities with ease. Parking is available right outside our doors, allowing you to quickly access our services without hassle. Plus, for those who prefer the convenience of banking from their vehicles, we offer a drive-thru option for simple transactions like deposits and withdrawals. While you can reach us at our physical address for all your banking needs, please note that official correspondence should be sent to the same address: 10 Racquet Club Pkwy, Pelham, AL 35124.

Operating Hours and Services

Our lobby hours are designed to fit your busy schedule. We are open Monday through Thursday from 9:00 am to 5:00 pm and on Friday from 9:00 am to 6:00 pm. Whether you're looking to open a new account or discuss loan options, our dedicated team is ready to assist you during these hours. In addition to personal banking services such as checking and savings accounts, auto loans, and mortgage options, we also provide ATM access for quick cash withdrawals and balance checks whenever you need them. Our ATM is readily available for your convenience.

Member Eligibility

Joining the vibrant community at America's First is easy and rewarding! If you're looking to become a member, you'll be pleased to know that eligibility is designed to be inclusive. Generally, anyone who lives, works, worships, or attends school in the area can join us. This means that whether you're a long-time resident or new to the neighborhood around 10 Racquet Club Pkwy Pelham Al 35124, you have a place here. At America's First, we pride ourselves on offering not just financial services but also a supportive environment where members can thrive. You can find all the detailed eligibility criteria by visiting our website at https://www.amfirst.org/why/become-a-member/. Ready to take the next step? Opening an account with us is straightforward and hassle-free. Just head over to our account opening page at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3b-glbedv28paokizazcpsiysz_jued5xtutqyvby3- to get started. If you have any questions or need assistance, feel free to reach out at (205) 663-1945 we're here to help! Join us at America's First, where your financial journey is supported every step of the way.

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, having efficient payment solutions is crucial. Our merchant services are designed with practicality in mind, allowing you to focus on what matters most running your business. Imagine easily accepting payments from customers via credit or debit cards, all while having access to insightful analytics about your sales trends. This is more than just convenience; it's a way to make informed decisions that can lead to increased revenue. Located at 10 Racquet Club Pkwy Pelham Al 35124, Pelham, AL 35124, we're here to help you navigate the financial landscape with confidence. Reach out at (205) 663-1945 or visit our website at https://www.amfirst.org/ to learn more about how we can support your business today!

Supporting Your Growth

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

Business Banking

For our members who are entrepreneurs, we provide comprehensive business banking solutions, including merchant services and business loans. This means you can focus on growing your business while we take care of the financial side.

Convenient Access

Accessibility is key, which is why we offer convenient ATM services and drive-thru banking for quick transactions like deposits and withdrawals. Our ATM network allows basic access for balance checks or cash withdrawals without hassle.

Credit Cards & Rewards

Shopping just got more rewarding! With our credit cards offering various rewards, you can earn points or cash back on everyday purchases. Use it wisely, and watch the benefits add up.

Embracing Digital Banking

In today's fast-paced world, managing your finances digitally is essential. At America's First, we pride ourselves on offering robust online and mobile banking features that put convenience at your fingertips. From person-to-person payment options to e-statements, we've got everything covered so that you can bank anytime, anywhere. We invite you to explore all that America's First has to offer. Our commitment is not just about providing services; it's about building lasting relationships with our members in the community. Visit us today at 10 Racquet Club Pkwy Pelham Al 35124 in Pelham, AL, or call us at (205) 663-1945 to learn more about how we can assist you on your financial journey!

Personal Banking

Whether you're just starting out or planning for the future, our personal banking services are designed to help you manage your finances effectively. Open a checking or savings account with us and enjoy easy access to your funds through online and mobile banking. You can check balances, transfer money, and pay bills right from your smartphone. Imagine having control over your finances wherever you go! If you're looking to purchase a vehicle, our auto loans and vehicle financing options make it easier than ever to get behind the wheel. We also offer mortgage loans and refinancing solutions tailored to fit your budget and lifestyle. Need extra cash for unexpected expenses? Our personal loans and debt consolidation services can help simplify your payments and reduce stress.

Digital & Online Banking

Key Features

Visit us online at https://www.amfirst.org/ to explore the features that simplify your banking needs. Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills whenever it suits you. Whether you're on the go or relaxing at home, managing your money is just a click away. We also provide E-Statements, making it easy for you to view your account statements electronically. No more paper clutter just quick access to all your important financial documents. Plus, with our electronic signature authorization, signing documents has never been more secure or convenient. Need to send money quickly? Our person-to-person transfers let you send money to friends or family instantly, right from your phone or computer. And if you prefer using mobile payments, you're in luck! Our platform supports mobile payments, so you can make purchases directly from your device.

Mobile Application

Our dedicated mobile application is available for download, bringing all these features right to your fingertips. With just a few taps, you can manage your accounts, deposit checks remotely, and stay updated on all transactions all while enjoying peace of mind knowing that security measures protect your information. At America's First, we are committed to providing accessible and easy-to-use services for all members. Join us today and experience how our digital banking solutions can enhance your financial journey!

Financial Strength

Growing Trust Among Members

We are proud to have a robust member base with 369,393 total share accounts, showing a strong growing community that trusts us with their finances. Net Shares (Funds available for lending and investments): $585,914 further demonstrate our commitment to fostering economic growth within our community. 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 10 Racquet Club Pkwy Pelham AL 35124 or call 205-663-1945 to learn more about how we can help you achieve your financial goals.

Investment in Our Future

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

Member-Centric Savings Options

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 operational efficiency is reflected in our $0 net income, 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.

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

Additional Loan Options

In addition to auto and mortgage loans, we provide various personal loan options for debt consolidation and other financial needs. If you're considering refinancing existing loans or want to explore eligibility options, our team is ready to assist you every step of the way. For business owners looking for growth opportunities, our outstanding commercial loans totaling $14,884,162 provide the capital needed to expand operations and invest in future projects. If you're interested in exploring our loan offerings further or have questions regarding eligibility and refinancing options, don't hesitate to reach out. You can contact us at 205-663-1945 or visit us at 10 Racquet Club Pkwy Pelham, AL 35124. 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 next step toward financial freedom starts with us!

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 flexible terms and competitive rates to ensure that you find the right fit for your budget.

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 are here to guide you through the process and help you secure a loan that meets your needs.

Unsecured Credit Card Loans

Managing finances can sometimes 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 expenses effectively. Our credit cards come with rewards and benefits designed to support your financial journey.

Loan Aggregator

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Americas First