America’s First Pell City AL Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to America's First, your trusted partner in financial well-being right here in Pell City, Alabama! Established in 1936, our branch at 2051 Martin St S, Pell City, AL 35128 has been serving the community for over 85 years. With a strong commitment to our members and a total membership of 195,392, we strive to provide exceptional services tailored to meet your financial needs. At America's First, we pride ourselves on our robust financial standing. Our total assets reach an impressive $2,514,666,869, allowing us to support you with various services such as personal banking, auto loans, mortgages, and business banking solutions. We currently hold $241,463,130 in deposits and have issued a substantial 120,593 loans and leases to help our members achieve their goals. Under the leadership of our CEO, Bill Connor, and Board President Ross Mitchell, we are dedicated to ensuring that every member receives personalized attention and expert guidance. Our team of 436 employees is here to assist you with any inquiries or services you may need. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 2051 Martin Street South, Pell City, AL 35128. Whether you're looking for advice on savings accounts or need help financing your dream car, we're just a phone call away at 205-825-7848. Join us at America's First and experience the difference of being part of a credit union that truly cares about its members! Explore more about our services by visiting our website. Let's work together towards achieving your financial dreams!

Branch History & Mission

Welcome to America's First, where our journey began in 1936 in Pell City, AL. Over the decades, we have grown from a small credit union into a robust financial institution that proudly serves over 195,000 members. Our commitment to providing exceptional financial services has allowed us to accumulate total assets of more than $2.5 billion, reflecting our stability and growth. Located at 2051 Martin St S, Pell City, AL 35128, our branch is easily accessible and situated near local landmarks that make it convenient for members to visit. Whether you need personal banking services or business loans, we are here to support your financial goals. Our mission is simple yet powerful: to provide our members with the best financial services while actively supporting our community. We believe that when our members thrive, so does our community. This belief drives us to create tailored solutions from checking and savings accounts to auto loans and mortgages that meet the diverse needs of our members. While members can visit us at 2051 Martin St S for all their banking needs, official correspondence should be sent to our mailing address: 2051 Martin Street South, Pell City, AL 35128. At America's First, we are dedicated to embracing technology that enhances your banking experience. We offer online and mobile banking options, allowing you to manage your finances conveniently from anywhere. Our commitment extends beyond just financial transactions; we ensure our services are accessible to everyone by adhering to ADA compliance standards. Our drive-thru service and ATM availability further exemplify our commitment to convenience and member satisfaction. We strive for excellence not just in what we offer but also in how we engage with our community through partnerships and outreach initiatives. By supporting local events and organizations, we aim to give back to the community that has supported us throughout our history. Join us at America's First today! Experience a credit union where your needs matter and where together we can build a brighter future for Pell City and beyond. Visit us during our operating hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., and Friday from 9:00 a.m. to 6:00 p.m. or call us at 205-825-7848 for more information on becoming a member or exploring the financial services we offer. Together, let's create lasting success!

Branch Location & Accessibility

Come See Us!

If you're in the Pell City area, we invite you to visit us at America's First! Have questions? Don't hesitate to call us at 205-825-7848. We look forward to welcoming you into our branch and helping you achieve your financial goals!

Convenient Access and Features

At America's First, we prioritize your convenience. Our branch offers ample parking and features that ensure accessibility for everyone. Whether you're visiting for personal banking needs or seeking assistance with loans and services, our friendly staff is ready to help. We are open Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays, we extend our hours until 6:00 p.m. This gives you plenty of time to visit us after work or during your lunch break!

Services Tailored for You

As a member of America's First, you'll have access to a variety of banking services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. You can also take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. For those on the go, we offer ATM services that allow you to withdraw cash or check your balance anytime. Plus, our mobile and online banking options make managing your finances easier than ever.

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 cares for your financial well-being. If you're wondering whether you can become a member, the good news is that many people are eligible! Whether you live or work in the areas we serve, or are affiliated with certain organizations, you might find that joining us is easier than you think. We invite everyone from Pell City and surrounding communities to explore how they can benefit from our personalized services and competitive rates. For more detailed eligibility criteria, feel free to check out our website at this link. Once you know you're eligible, opening an account is a breeze! You can start your journey toward membership online by visiting this page. If you have any questions or need assistance, don't hesitate to reach out to us at 205-825-7848. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans That Empower 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.

Merchant Services for Everyday Needs

In addition to loans, we provide comprehensive merchant services that simplify payment processing for your business. Imagine seamlessly accepting payments from customers whether they're shopping online or visiting your store. Our tools are designed to enhance customer experience while ensuring you get paid promptly. Let us partner with you in navigating the financial landscape so you can focus on what truly matters growing your business! Visit us at 2051 Martin St S Pell City Al 35128 in Pell City, AL or give us a call at (205) 825-7848 to learn more about how we can assist you today.

Comprehensive List Of Services

Banking at Your Fingertips

With our robust online and mobile banking platforms, managing your finances has never been more accessible. Check balances, pay bills, transfer funds, and even send money to friends with just a few taps on your smartphone. Our ATM services ensure that you can withdraw cash or check balances whenever you need them without hassle.

Convenient Access

In addition to digital solutions, we offer basic drive-thru banking for quick deposits, withdrawals, and simple transactions. This means you can handle essential banking tasks without leaving the comfort of your car. At America's First, we strive to make banking not just easy but enjoyable for all our members in Pell City and beyond. Our friendly staff is always ready to assist you with any questions you may have about our services or how they can benefit you personally. If you're interested in exploring these services further or have specific questions about what we offer, please don't hesitate to reach out! Call us today at 205-825-7848 or visit our website at www.amfirst.org for more information. Join us at America's First where we're committed to serving you better every day!

Home Sweet Home

If you're considering buying a home or refinancing an existing mortgage, our mortgage loans can help turn your dreams into reality. Picture yourself in your new home with manageable monthly payments that fit within your budget. We also provide personal loans for those unexpected expenses or debt consolidation needs, helping you regain control over your financial situation.

Personal Banking Made Easy

We understand that managing your money is important. That's why we offer various checking and savings accounts tailored to fit your lifestyle. Imagine having quick access to your funds while enjoying competitive interest rates. Our auto loans and vehicle financing options make it easier for you to get behind the wheel of that new car you've been dreaming about. With flexible terms and competitive rates, financing your vehicle has never been simpler.

Reward Yourself with Credit

Our credit cards with rewards are designed to give back while you spend. Whether you're planning a vacation or just managing everyday purchases, our rewards program can offer benefits that fit your lifestyle perfectly.

Support for Your Business

For entrepreneurs and small businesses, we offer specialized business banking services including merchant services and business loans. Think of us as a partner in your business journey; we aim to provide the financial tools necessary for growth and success.

Digital & Online Banking

Key Features

Our digital banking experience is not only user-friendly but also secure. We provide electronic signature authorization, allowing you to sign documents electronically without the hassle of paperwork. For those who prefer to go paperless, e-statements are readily available, giving you an eco-friendly option for keeping track of your finances. If you're always on the go, take advantage of our mobile application. It's designed to make banking as simple as possible from your smartphone or tablet. With features like mobile payments and person-to-person transfers, sending money to friends or family has never been easier. Just tap and send! At America's First, we prioritize your convenience. Our digital tools are here to help you manage your money effectively while giving you peace of mind with robust security measures in place. Whether you're at home or out and about, accessing your accounts is quick and straightforward. Experience the future of banking with us today! Visit https://www.amfirst.org/ to learn more about how our digital services can benefit you.

Financial Strength

Dedicated Team

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. Our staff is dedicated to helping you navigate your financial journey.

Focused on Our Members

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. Your financial needs come first.

Growing Membership Base

Total Share and Deposit Accounts: 369,393, showing a strong and growing member base that trusts us with their finances. As we grow together with you, we remain committed to delivering exceptional service tailored to your 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 2051 Martin St S Pell City Al 35128 or call 205-825-7848 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $0 reflects our operational efficiency as we focus on providing value to our members rather than profit margins. This approach enables us to continue offering competitive loan rates and solid financial products for your benefit.

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. This allows us to continually improve your banking experience.

Robust Lending Capacity

With $35,566 in used auto loans and an impressive $1,966,742,791 in total loans and leases, our lending capacity supports members' financial goals across various sectors. We are here to help you achieve your dreams whether it's buying a car or investing in your future.

Secure 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. This commitment to safeguarding your assets means you can save confidently with us.

Strong Net Worth

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. We have provided over $750,972,118 in used vehicle loans and $447,431,231 in new vehicle loans already helping members get on the road. We also provide refinancing options to help you lower your monthly payments or access cash from your vehicle's equity.

Business Loans

For business owners, our outstanding commercial loans totaling $14,884,162 provide the capital needed to grow and expand your business. Whether you need funds for equipment purchases or operational expenses, we can help tailor a solution that fits your needs. At America's First, we believe in supporting our community with financial products that empower individuals and businesses alike. Our 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 our range of loan products today and see how we can support your journey toward financial success!

Credit Card Loans

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 rewards and benefits that make everyday purchases more manageable.

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, designed to meet your specific needs. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is ready to assist you.

Loan Aggregator

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Ensuring Accurate 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 means users receive fair and transparent offers without hidden surprises. Each listing is verified to ensure authenticity and relevance, allowing you to trust the information you see.

Americas First