Aod Credit Union Anniston AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Aod, your trusted partner in financial well-being! Located at 7 Frankford Ave Bldg 141, Anniston, AL 36201, our branch has been serving the community since 1950. With a commitment to enhancing the lives of our 37,646 members, we pride ourselves on providing exceptional service and support tailored to your unique needs. At Aod, we understand that every member's journey is different. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. With total assets exceeding $431,964,751 and total deposits around $35,923,427, we ensure that your money is safe and secure while also working hard for you. While members can visit us at our branch address, official correspondence should be sent to PO Box 608, Bynum, AL 36253. Our experienced team of 76 employees, led by CEO Virginia Bowen and Board President Bobby Israel, is dedicated to fostering a welcoming environment where you can feel confident about your financial decisions. With a net worth of $64,691,339 and cash in hand amounting to $3,208,479, we are well-equipped to meet your financial needs. Whether you're looking for guidance on loans (we currently hold 14,284 loans) or want to take advantage of our online and mobile banking services your satisfaction is our priority. We invite you to connect with us today! Call us at 256-237-9494 or visit our website at Aod to learn more about how we can help you achieve your financial goals. Come experience the difference with Aod where community matters!

Branch History & Mission

Join Us

As we look ahead to the future, we invite you to become part of the Aod family. Experience firsthand how we can support your financial journey while also making a positive impact in your community. Together, let's build brighter futures for ourselves and each other. If you're ready to take the next step toward financial empowerment or need assistance with any of our services, visit us at Aod Enrollment today!

Our Mission

At Aod, our mission is clear: we are here to serve our members with integrity and dedication. We believe in not just providing financial solutions but also enriching the lives of those in our community. This means supporting local initiatives and partnerships that uplift families and businesses alike. Our operating hours are Monday through Friday from 9 AM to 5 PM, with a lunch break from 1:30 PM to 2 PM. While you can visit us at our branch for personal assistance or utilize our ATM services anytime, we also encourage you to connect with us via phone at 256-237-9494 or explore our website at aodfcu.com for additional resources.

Our Story

Located at 7 Frankford Ave Bldg 141, Anniston, AL 36201, Aod has always been focused on fostering relationships with our members. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, credit cards, and business banking services. Our commitment to innovation has led us to embrace digital advancements, ensuring that our members can access their accounts easily through online and mobile banking platforms. While our headquarters is based in nearby Bynum, we proudly serve the residents of Calhoun County and beyond. The growth we've experienced now boasting total assets of over $431 million is a testament to the trust our community places in us. We prioritize accessibility and inclusivity by providing ADA-compliant services and ensuring that everyone feels welcome.

Branch Location & Accessibility

Branch Features

At Aod, we prioritize accessibility for all our members. Our branch complies with ADA standards, ensuring that everyone can visit us comfortably. We offer ample parking right outside, making your trip hassle-free. If you need to send official correspondence, please note that our mailing address is PO Box 608, Bynum, AL 36253.

Connect With Us

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 256-237-9494. We're excited to serve you and help you achieve your financial goals at Aod. Come visit us today!

Operating Hours

We are here for you Monday through Friday from 9 AM to 5 PM, with a lunch break from 1:30 PM to 2 PM. We understand your busy schedule and strive to accommodate your banking needs during these hours.

Services Offered

Our branch offers a variety of services tailored for personal and business banking. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need cash? Our ATM is available for quick withdrawals and balance checks.

Member Eligibility

At Aod, we believe that everyone deserves a supportive financial community, and becoming a member is a simple step toward joining ours. If you live, work, or worship in the Anniston area, you're likely eligible to enjoy all the benefits we offer. Our members enjoy personalized service, lower fees, and competitive rates on loans and savings accounts. To find out more about our eligibility requirements, feel free to check out the details at . Opening an account is just as easy! Simply visit us online at https://elink.aodfcu.com/enroll or give us a call at (256) 237-9494. Our friendly team at 7 Frankford Ave Bldg 141 Anniston Al 36201 is ready to help you with any questions you have. Join us today and take the first step towards a brighter financial future!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, having efficient payment solutions is crucial. Our merchant services provide you with the tools necessary to accept payments easily, ensuring you never miss a sale. Imagine a bustling café where customers can pay via mobile apps or contactless cards this convenience not only enhances customer satisfaction but also boosts your bottom line. Located at 7 Frankford Ave Bldg 141 Anniston Al 36201 in Anniston, AL, we're here to help you grow your business with tailored solutions that fit your needs. Contact us today at (256) 237-9494 to learn how we can partner together for success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $68 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $19,602,486, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For business owners, we understand that every dollar counts. That's why we offer business banking services, including merchant services and business loans. Let us help you grow your business by providing the financial tools necessary for success.

Convenient Access

We know that convenience is key in today's fast-paced world. That's why our ATM & cash withdrawal services are available to provide quick access to your funds whenever you need them. Plus, basic ATM access allows for easy withdrawals and balance checks without any hassle. Our commitment doesn't stop there; we prioritize digital banking features so you can manage your finances anytime, anywhere. With mobile payments and person-to-person transfer options, handling your finances has never been more straightforward. If you're ready to experience all that Aod has to offer, give us a call at (256) 237-9494 or visit us at our branch in Anniston. We're here to help you achieve your financial goals! Explore our full range of services today your journey towards better banking starts now!

Credit Cards with Benefits

Looking for a credit card? Our credit cards come with rewards that fit your lifestyle. Whether you're using them for everyday purchases or special occasions, you can enjoy benefits that add value back into your wallet.

Loans Made Easy

Need a new car or thinking about buying a home? Our auto loans and mortgage refinancing options make it easier than ever to drive away in your dream vehicle or settle into a new home. We also provide personal loans for those moments when life throws unexpected expenses your way, along with debt consolidation services that can help simplify your monthly payments.

Personal Banking

Managing your finances can be simple and efficient with our personal banking options. At Aod, we offer checking and savings accounts designed to help you save for what matters most. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills from anywhere.

Digital & Online Banking

Accessible Anytime, Anywhere

With Aod, real-time account management is right at your fingertips. Whether you're at home or out running errands, our online and mobile banking services ensure you have easy access to your financial information whenever you need it. No more waiting in line; take care of everything on your schedule. Join us at Aod today and experience the ease and convenience of digital banking! For more information on how to get started, visit https://www.aodfcu.com/.

Key Features for Your Convenience

Our online banking service puts you in control. Need to check your balance? Want to transfer money or pay bills? You can do all that with just a few clicks. Plus, with the option for electronic signatures, you can complete transactions quickly without the hassle of printing or mailing documents just sign and go! We also provide e-statements, which allow you to view your account statements electronically, saving paper and making it easy to stay organized. And if you're on the move, our mobile application gives you access right from your smartphone. You can even make mobile payments and send money directly to friends or family through person-to-person transfers.

Security You Can Trust

Your security is our top priority. Our digital banking platform uses advanced encryption and security measures to protect your information. You can bank with confidence knowing that your data is safe with us.

Financial Strength

A Trusted Partner for Your Financial Journey

Net Shares (Funds available for lending and investments): $1,972,425. Total Share and Deposit Accounts: 65,736, showing 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, Aod is your trusted partner. Visit us at 7 Frankford Ave Bldg 141 Anniston Al 36201 or call (256) 237-9494 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $64,691,339 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 $2,253 in used auto loans and $231,473,159 in total loans and leases. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 76 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Member Savings

Members' savings are secured through $67,433,918 in share certificates and $6,897,613 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.

Strong Financial Health

With a net worth of $64,691,339, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,498 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 $35,348,433 in used vehicle loans and $9,061,696 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new ride or a reliable used vehicle, we have financing options tailored just for you. Plus, if you need to refinance your current auto loan, we can assist with that as well.

Commercial Loans

For business owners, our outstanding commercial loans totaling $19,602,486 provide the capital needed to grow and expand your business. We know how important it is for businesses to have access to funds when they need them most. At Aod, we're dedicated to supporting our community through diverse lending options that fit various needs. If you're interested in any of our loan products or want more information about eligibility and refinancing options, please don't hesitate to reach out! You can visit us at 7 Frankford Ave Bldg 141 Anniston Al 36201 or call us at (256) 237-9494. 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 our loan offerings can empower you today!

Credit Lines and Personal Loans

For those unexpected expenses or projects that require immediate funding, our credit lines are available up to $15,000,000. Additionally, we offer unsecured credit card loans with a total of $11,931,223, making it easier for members to manage their finances effectively. Flexible terms allow you to pay off balances without stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,709,629, make buying or refinancing simple. We provide guidance throughout the process, ensuring you understand each step along the way.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results so you can choose based on what's best for you. - Real-Time Rate Comparisons: You get access to current loan rates from multiple institutions, enabling you to make well-informed choices without delays. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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 ensures that all loan offers presented are fair and transparent. Each lender listed on LendMesh has been vetted for credibility, which means you can trust that the information is accurate and up-to-date.

Aod