Aod Credit Union Anniston AL | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Aod, your trusted financial partner located at 150 Bill Robison Pkwy, Anniston, AL 36206. Since our establishment in 1950, we have proudly served our community with a commitment to providing exceptional financial services and fostering strong member relationships. With a total membership of over 37,600 individuals and total assets amounting to an impressive $431,964,751, we are dedicated to helping you achieve your financial goals. At Aod, we understand that managing your finances can be challenging. That's why we offer a variety of personal banking options, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our business banking solutions also ensure that local businesses have the support they need through merchant services and business loans. Our dedicated team is led by CEO Virginia Bowen and Board President Bobby Israel, who together emphasize our mission of putting members first. With 76 employees ready to assist you, we pride ourselves on our approachable service and commitment to our community's financial well-being. You can reach us easily at 256-237-9494 or visit our website at Aod FCU for more information. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 608, Bynum, AL 36253. Join us today and experience the Aod difference a credit union focused on your success! Whether you're looking to open an account or seeking assistance with a loan, we're here for you every step of the way. Don't hesitate to call or stop by; we look forward to serving you!

Branch History & Mission

Looking Ahead

As we continue on this journey together, we remain committed to staying current with technological advancements while ensuring ADA compliance for all our facilities. Your experience matters greatly to us, and we're always looking for ways to enhance the way you bank with us. If you're seeking a credit union that puts its members first, look no further than Aod. Join us today and discover how we can work together towards achieving your financial dreams! For more information or assistance, feel free to call us at (256) 237-9494 or visit our website at https://www.aodfcu.com/. Together, let's build a brighter future!

Our Mission

At the core of Aod lies a mission that goes beyond financial transactions. We strive to empower individuals and families in our community through accessible financial solutions. Whether you're looking for personal banking options like checking and savings accounts, or loans for your next vehicle, home, or business venture, we're here to help you achieve your goals. We understand that financial health is essential for building strong communities. That's why we actively engage in outreach programs and partnerships aimed at supporting local initiatives. Our commitment to community service is reflected in everything we do; we believe that when our members thrive, so does Anniston. While members can visit us at 150 Bill Robison Pkwy Anniston Al 36206, official correspondence should be sent to PO Box 608, Bynum, AL 36253 if it differs. We invite you to explore our range of services which include online and mobile banking options that make managing your finances easier than ever. With features like ATM access and drive-thru banking available during convenient hours Monday through Friday from 9 AM to 5 PM, with extended hours on Friday until 6 PM we prioritize your accessibility and comfort.

Branch Location & Accessibility

Convenient Access and Parking

At Aod, we prioritize your convenience. Ample parking is available right outside our doors, making it simple for you to stop by for a quick transaction or a longer visit. Our facility is fully ADA compliant, ensuring that everyone can easily access our services without any hassle.

Operating Hours Tailored for You

We understand that life can get busy! That's why we're open Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and even Saturday mornings from 8 AM to 12 PM. Whether you prefer visiting us during the week or need assistance on the weekend, our friendly staff is here and ready to help.

Reach Out Anytime!

Got questions? We'd love to hear from you! Feel free to give us a call at (256) 237-9494 for any inquiries or assistance. Our team at Aod is dedicated to making your banking experience as smooth as possible. Come see us today and discover how we can help you achieve your financial goals!

Services and Features

Aod offers a wide range of services designed with you in mind. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we've got you covered. If you're in a hurry, take advantage of our drive-thru banking options for quick deposits and withdrawals without leaving your car. Plus, with an ATM available on-site, accessing your funds has never been easier. While members can visit us at 150 Bill Robison Pkwy Anniston Al 36206, official correspondence should be sent to PO Box 608, Bynum, AL 36253 if that's more convenient for you.

Member Eligibility

Becoming a member of Aod is like joining a welcoming family where your financial well-being is our top priority. To qualify for membership, you need to meet certain criteria that are designed to include as many people as possible. Generally, if you live, work, worship, or attend school in the areas we serve, you're eligible to join us. This means that whether you're just starting out or looking for a better banking experience, we have a place for you here. You can find detailed information about the eligibility requirements on our website. Once you're ready to take the next step, opening an account with us is simple and straightforward. Just head over to https://elink.aodfcu.com/enroll to get started online, or feel free to call us at (256) 237-9494 if you have any questions. We're excited to help you become part of the Aod community and enjoy all the benefits we offer!

Business Banking & Commercial Services

Commercial Loans Tailored for You

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. Imagine a local bakery wanting to expand its operations. With our support, they secured funding that allowed them to purchase new equipment and hire additional staff, turning their dream into reality.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services designed to simplify daily transactions. Whether you run a retail shop or provide services, our payment processing solutions make it easy for your customers to pay using various methods, boosting your sales potential. If you're ready to take your business further, visit us at 150 Bill Robison Pkwy Anniston Al 36206 or call us at (256) 237-9494. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Convenience at Your Fingertips

Our branch also features basic drive-thru banking for those who prefer face-to-face interactions but need quick service for deposits, withdrawals, or simple transactions. If you're ever in doubt or have questions, feel free to reach out at (256) 237-9494. Our friendly staff is always ready to assist you. In addition, enjoy access to all these services through easy-to-use digital platforms like mobile payments and person-to-person transfers, making it easier than ever to keep track of your finances. At Aod, we are committed to helping you achieve your financial goals with personalized service and a comprehensive suite of offerings. Visit us today at 150 Bill Robison Pkwy Anniston Al 36206 in Anniston, AL, or check us out online at Lenlock. Let us help you take the next step towards financial success!

Credit That Rewards You

Don't forget about our Credit Cards with Rewards! Use them for everyday purchases and watch your rewards grow. It's an excellent way to earn while you spend.

Financing Your Future

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing make it easy to get behind the wheel without breaking the bank. You can also explore our Mortgage Loans & Refinancing options if you're ready to buy a home or want to lower your current mortgage payments. We understand that life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation solutions to help ease financial burdens.

Personal Banking Made Easy

For those just starting out or looking to enhance their financial journey, our Personal Banking services include checking and savings accounts tailored to fit various lifestyles. Need quick access to funds? With our ATM & Cash Withdrawal Services, you can easily manage your cash flow with convenience. Plus, our Online & Mobile Banking options empower you to handle your banking from anywhere, anytime.

Supporting Local Businesses

For local entrepreneurs, we provide specialized Business Banking services including Merchant Services and Business Loans that cater specifically to small businesses. We know how vital it is for businesses in our community to have reliable financial support.

Digital & Online Banking

Accessing Your Accounts

With our 24/7 Online Banking services available at https://www.aodfcu.com/, you can easily check your balances, transfer funds, and pay bills from the comfort of your home or on the go. Our user-friendly interface makes navigating through your accounts a breeze, putting you in control of your finances.

Always Here for You

We know life gets busy; that's why we've made it easier than ever to stay on top of your financial goals with our robust digital tools. Whether you're at home or out running errands, Aod puts everything you need right at your fingertips. Experience hassle-free banking that adapts to your lifestyle today!

Mobile Features for Your Busy Life

For those who prefer to bank on their smartphones, our Mobile Application offers a range of features that make managing money simple. You can set up Mobile Payments to make purchases directly from your phone, and enjoy quick Person-to-Person Transfers to send money instantly to friends or family.

Secure Transactions Made Easy

Your security is our top priority. We offer Electronic Signature Authorization, enabling you to complete transactions safely and efficiently without the need for paper forms. Plus, with E-Statements available, you can access your account statements digitally saving paper and providing peace of mind knowing your information is secure.

Financial Strength

At Aod, 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 understand that in today's economic climate, having a reliable financial partner is crucial for your peace of mind. That's why we are proud to share our strong financial standing with you. 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 14.98% 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 $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. Our financial strength is further reinforced by having $64,691,339 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $2,253 in used auto loans and $231,473,159 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While our operations run efficiently with a net income of $1,318,492, it reflects our commitment to maintaining a healthy balance sheet while offering competitive products for our members. We take pride in having 76 full-time employees and 0 part-time employees who are always ready to assist you with knowledgeable service. 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 150 Bill Robison Pkwy Anniston Al 36206 or call (256) 237-9494 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. We provide flexible financing options that cater to your budget and preferences.

Business Financing

For business owners, our outstanding commercial loans totaling $19,602,486 provide the capital needed to grow and expand. We work closely with local businesses to understand their needs and offer tailored solutions.

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 focus on providing clear guidance throughout the process so you can feel confident in your decision.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, ask us about our refinancing options available for various loan types. We'll help you explore eligibility options to find the best fit for your situation. At Aod, located at 150 Bill Robison Pkwy Anniston Al 36206, Anniston, AL Anniston, we are dedicated to providing personalized service to all our members. Feel free to reach out at (256) 237-9494 during our operating hours: Monday through Friday from 9 AM - 5 PM (with extended hours on Friday until 6 PM). For performance insights and financial data, visit the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together toward your financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,931,223 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs that make spending easier and more rewarding.

Loan Aggregator

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AOD FEDERAL CREDIT UNION - Anniston, AL

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