Aod Credit Union Anniston AL | Low Mortgage Rates & Business Banking

Introduction

At Aod, we understand that every financial journey is unique, and we're here to walk alongside you every step of the way. Located at 216 Greenbrier Dear Rd, Anniston, AL 36207, our branch has been a cornerstone in the community since 1950. With a proud membership base of over 37,646 individuals, we are committed to providing tailored banking solutions designed to meet your needs. Our members benefit from a robust asset pool totaling $431,964,751, which allows us to offer competitive rates on loans and deposits. Whether you're looking for an auto loan or seeking to consolidate debt, we have options available with over 14,284 loans and leases currently active. You can trust that your financial health is in good hands with our dedicated team of 76 employees, led by our CEO, Virginia Bowen, and Board President, Bobby Israel. While members can visit us at our physical branch for personal assistance, official correspondence should be sent to PO Box 608, Bynum, AL 36253. We invite you to explore our diverse range of services including checking accounts, mortgages, and business banking right on our website at aodfcu.com. Join us today and experience the support and reliability that has made Aod a trusted partner in your financial success. Call us at 256-237-9494 or stop by during our lobby hours: Monday through Friday from 9 AM to 5 PM, and Saturday from 8 AM to 12 PM. Let's build a brighter financial future together!

Branch History & Mission

At Aod, located at 216 Greenbrier Dear Rd in Anniston, AL, we proudly carry a legacy that began in 1950. Over the years, we have grown from a small credit union to a thriving financial institution, serving a community of over 37,000 members. Our journey reflects our commitment to providing not just financial services but also support to those who need it most. From our humble beginnings, we have evolved significantly. Our total assets now stand at an impressive $431,964,751, showcasing our stability and growth. We've established ourselves as a trusted partner for personal banking needs offering everything from checking and savings accounts to auto loans and mortgages. With the advancement of technology, we embrace digital banking options like online banking and mobile payments, making it easier for our members to manage their finances anytime, anywhere. Our mission is clear: we aim to empower our members through accessible financial solutions while fostering a sense of community. We understand the importance of being more than just a bank; we strive to be an integral part of our community's fabric. Through partnerships and outreach programs, Aod actively participates in initiatives that uplift local residents and businesses. While members can visit us at our branch location in Anniston for all their banking needs during our operating hours Monday through Friday from 9 AM to 5 PM and Saturday from 8 AM to 12 PM official correspondence should be sent to PO Box 608 in Bynum, AL. We also provide convenient drive-thru services and ATM access for quick transactions. As we look ahead, we invite you to join us on this exciting journey. Experience the benefits of being part of Aod where your financial well-being is our top priority. Whether you're looking for personal loans or business banking solutions, we're here to serve you every step of the way. Discover how we can help you achieve your financial goals today!

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance, don't hesitate to reach out! Call us at (256) 237-9494. We're excited to help you manage your finances with ease and look forward to seeing you soon at Aod. Remember, while you can visit us at 216 Greenbrier Dear Rd Anniston Al 36207, official correspondence should be sent to PO Box 608, Bynum, AL 36253 if necessary. Come by today and discover how we can assist you on your financial journey!

Nearby Landmarks and Accessibility

Our branch sits in a vibrant community, making it easy to combine your banking needs with other errands. Whether you're heading to nearby parks or shopping centers, dropping by is a breeze. We also prioritize accessibility; our location features ADA-compliant ramps and ample parking for all members.

Operating Hours and Services

At Aod, we understand that convenience matters. Our lobby hours are designed with your busy schedule in mind, open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday mornings from 8 AM to 12 PM. Plus, our drive-thru service offers flexibility for quick transactions without leaving your car. You can enjoy a variety of services tailored just for you: personal banking options like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and more. Need cash? Our ATM is available for quick withdrawals and balance checks whenever you need it.

Member Eligibility

At Aod, we believe that everyone deserves a chance to thrive in their financial journey. Becoming a member is easy and opens the door to a world of benefits designed just for you. If you live, work, worship, or attend school in the Calhoun County area, you're already on your way to joining our community! We welcome individuals from all walks of life, making it simple for you to access personalized services like checking accounts, loans, and more. For detailed eligibility criteria, you can visit this page where we break down everything you need to know. Once you determine your eligibility, opening an account is just as straightforward. You can get started online by visiting this link or give us a call at (256) 237-9494 if you have any questions. Our friendly team at 216 Greenbrier Dear Rd Anniston Al 36207 in Anniston is here to help every step of the way. Join us today and experience the supportive environment that comes with being a part of Aod!

Business Banking & Commercial Services

At Aod, we understand that every business has unique needs. Whether you're a startup finding your footing or an established company looking to expand, we offer tailored solutions to help you thrive. Imagine having the financial backing to invest in new equipment, hire talented staff, or open a new location. That's where our commercial loan options come into play. 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. Additionally, our merchant services simplify daily operations. Picture processing payments effortlessly while providing your customers with multiple payment options. This flexibility can enhance customer satisfaction and keep your cash flow steady. Located at 216 Greenbrier Dear Rd Anniston Al 36207 in Anniston, AL, we're here to support your business journey. For more information on how we can assist you, contact us at (256) 237-9494.

Comprehensive List Of Services

Additional Services

For those who prefer face-to-face interactions but want quick service, our Basic Drive-Thru Banking allows for easy deposits and withdrawals without having to step inside the branch. Additionally, our ATMs are available for quick balance checks and withdrawals. At Aod, we believe in making banking accessible and stress-free for everyone in the community. Our team is ready to assist you with any questions or needs you may have. For more information about our services or to speak with one of our representatives, give us a call at (256) 237-9494 or visit us online at Greenbrier. We look forward to helping you achieve your financial goals!

Business Banking

If you're running a business, look no further! Our Business Banking services, including Merchant Services and Business Loans, are designed to support your growth and success. We know that managing finances for a business can be challenging, but we're here to simplify that process for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. With these tools at your fingertips, you can check balances, transfer funds, pay bills, and even send money to friends through Person-to-Person payments, all from your smartphone or computer. Plus, our ATM & Cash Withdrawal Services mean you can access your cash whenever you need it.

Lending Options

In addition to auto and mortgage loans, we also offer Personal Loans & Debt Consolidation services. Whether you need extra cash for an unexpected expense or want to consolidate multiple debts into one manageable payment, we've got your back. Plus, our Credit Cards with Rewards allow you to earn benefits on every purchase you make what's not to love about earning rewards while shopping?

Personal Banking Solutions

For those seeking personal banking options, we offer Checking & Savings Accounts that suit various lifestyles and spending habits. Imagine easily managing your day-to-day finances while saving for that special vacation or a new car our accounts make it simple. If you're considering buying a vehicle, our Auto Loans & Vehicle Financing can help you get behind the wheel without breaking the bank. We understand that purchasing a home is one of the biggest decisions you'll make, which is why we provide Mortgage Loans & Refinancing options to ensure you have the right support every step of the way.

Digital & Online Banking

Key Features

Our online banking platform lets you view account balances, transfer funds, and pay bills with just a few clicks. Plus, you can enjoy the benefits of e-statements, which are available to help you keep track of your financial activity without the clutter of paper statements. You can also use electronic signature authorization for quick and secure transactions no need to visit the branch in person! For those on the go, our mobile application is a game changer. With it, you can make mobile payments easily and even send money to friends or family through our person-to-person transfer feature. Whether you're out shopping or simply relaxing at home, managing your money has never been simpler.

Security You Can Trust

We prioritize your security with advanced encryption technology, ensuring your personal information remains safe while using our services. You can bank confidently knowing that we take every precaution to protect your financial data. With the ease of real-time account management at your fingertips and features like mobile payments and e-statements, Aod is committed to providing you with a user-friendly banking experience. Join us today and discover how our digital solutions can enhance your banking experience!

Financial Strength

Investments in Your Future

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 commitment to supporting your financial goals is reflected in our lending capacity; we have $2,253 in used auto loans and $231,473,159 in total loans and leases available for you.

Member Trust

Total Share Accounts at 65,736 demonstrate a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,972,425 reflect the solid backing we have to support your needs. 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 216 Greenbrier Dear Rd Anniston Al 36207 or call (256) 237-9494 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $1,318,492, 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 Savings Opportunities

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 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.

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 offer flexible terms and refinancing options to make your car buying experience as smooth as possible.

Credit Lines and Unsecured Loans

For those needing extra flexibility, we offer credit lines totaling $15,000,000, allowing you to borrow when necessary without the need for a specific purpose. Additionally, we provide unsecured credit card loans with a total of $11,931,223 in loans helping members manage their finances effectively.

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. Whether it's your first home or an investment property, we're here to guide you through the process.

Supporting Local Businesses

For business owners, our outstanding commercial loans totaling $19,602,486 provide the capital needed to grow and expand. We recognize that small businesses are vital to our community's economy, and we're dedicated to supporting them with tailored financing solutions. At Aod, we pride ourselves on transparency and accessibility. If you're interested in any of our loan products or would like to explore refinancing options, please don't hesitate to reach out. Call us at (256) 237-9494 or visit us at 216 Greenbrier Dear Rd Anniston Al 36207 in Anniston, AL. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Loan Aggregator

Ensuring Accurate Loan 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 rigorous sourcing ensures that users receive fair and transparent offers tailored to their needs.

The Benefits of Using LendMesh

- Verified Data: Every loan offer comes from legitimate financial institutions, assuring users of transparency in their options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best available options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To explore your options and compare real-time loan offers today, visit 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.

AOD FEDERAL CREDIT UNION - Anniston, AL

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