Aod Credit Union Bynum AL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Aod, your trusted partner in financial well-being, located conveniently at 334 Victory Drive, Bynum, AL 36253. Since opening our doors in 1950, we have proudly served our community with dedication and care, helping over 37,000 members achieve their financial goals. Whether you're looking for personal banking solutions or business services, we are here to support you every step of the way. At Aod, we understand that your financial journey is unique. With a robust asset base of $431,964,751 and total deposits reaching $35,923,427, we are committed to providing reliable services that meet your needs. Our lending portfolio includes over 14,284 loans and leases, ensuring that we can assist with everything from auto financing to mortgage solutions. Our leadership team is dedicated to fostering a welcoming environment where members feel valued. Under the guidance of CEO Virginia Bowen and Board President Bobby Israel, our experienced staff of 76 employees is ready to offer personalized service tailored to you. We also ensure transparency and trust with a net worth of $64,691,339 and cash on hand amounting to $3,208,479. While members can visit us at our branch location, official correspondence should be sent to PO Box 608, Bynum, AL 36253. We invite you to explore the array of services we offer including checking and savings accounts, auto loans, personal loans, credit cards with rewards, and online banking options designed to simplify your financial life. If you're ready to take the next step towards better financial health or if you have any questions about our offerings, don't hesitate to reach out! Call us at 256-237-9494 or visit our website at aodfcu.com for more information. We look forward to serving you!

Branch History & Mission

A Legacy of Growth

Located at 334 Victory Drive in Bynum, Alabama, our branch has seen significant growth both in terms of assets and community impact. Today, Aod boasts total assets of approximately $431,964,751. This growth reflects not only our financial stability but also our commitment to empowering our members through innovative financial solutions. From personal banking services like checking and savings accounts to auto loans and mortgage refinancing, we strive to make banking accessible and beneficial for everyone. While members can visit us at our main location in Bynum, official correspondence should be sent to PO Box 608, Bynum, AL 36253. We are conveniently open Monday through Friday from 9 AM to 5 PM, ensuring that we are available when you need us.

Community Engagement

Aod is more than just a credit union; we are a committed partner in the Bynum area. Through various community outreach efforts and partnerships, we strive to make a positive impact where it matters most. Whether it's supporting local schools or participating in charitable events, we believe in giving back and building a stronger community together. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Aod. Together, let's continue building a brighter financial future for ourselves and our neighbors. For more information about becoming a member or exploring our wide range of services, feel free to reach out at 256-237-9494 or visit us online at aodfcu.com. Join Aod today and become part of a supportive community focused on your success!

Our Mission

At the heart of Aod's mission is a dedication to enhancing the financial well-being of our community. We believe that when one member thrives, we all benefit. Our goal is not only to offer competitive rates and exceptional services but also to actively support local initiatives and outreach programs. We engage with various community partners to foster economic development and provide educational resources that empower our members. In addition to traditional banking services, we embrace modern technology to enhance your experience. With online and mobile banking options, as well as ATM availability for easy access to cash, we ensure that banking is convenient and user-friendly. Our drive-thru service allows for quick transactions without needing to step inside, making it easier for busy members.

Branch Location & Accessibility

Welcome to Aod at our Bynum Main branch! Conveniently located at 334 Victory Drive in the heart of Bynum, Alabama, our branch is easy to find and access. Whether you're visiting for personal banking needs or exploring our lending options, we're here to help you every step of the way. While members can visit us at 334 Victory Drive, official correspondence should be sent to PO Box 608, Bynum, AL 36253. Our branch sits near familiar landmarks, making it a convenient stop for locals and visitors alike. With ample parking available, accessing our services is hassle-free. We also ensure that our facilities are ADA compliant, so everyone can comfortably navigate their banking experience. Our operating hours are designed to accommodate your schedule; we're open Monday through Friday from 9 AM to 5 PM. During these hours, you can take advantage of a range of services including personal checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Plus, if you prefer banking on the go, we offer online and mobile banking solutions. For added convenience, we have ATM access right here at the branch. If you need quick service for deposits or withdrawals, our drive-thru banking is ready to assist you without leaving your vehicle. If you have questions or want to learn more about what we offer, feel free to give us a call at 256-237-9494. We look forward to welcoming you at Aod in Bynum!

Member Eligibility

At Aod, we believe in creating a welcoming community where every member can thrive. If you're looking to join us, becoming a member is easier than you might think! We invite individuals who live, work, worship, or attend school in our local area to become part of our family. This means that if you share a connection with our vibrant Bynum community at 334 Victory Drive Bynum Al 36253, you're likely eligible to join us. Membership opens the door to a range of benefits, including personalized service and competitive rates on loans and savings accounts, making your financial journey smoother and more rewarding. Ready to take the next step? You can find all the detailed eligibility criteria on our website. And when you're ready to open an account, just visit us online at https://elink.aodfcu.com/enroll or give us a call at (256) 237-9494. We're here to help you every step of the way as you embark on this exciting journey with Aod!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a busy café owner juggling orders while also trying to manage payments. Our merchant services make it easy for businesses like this to accept payments seamlessly. With quick processing times and reliable support, you can focus on what you do best serving your customers. Located conveniently at 334 Victory Drive Bynum Al 36253 in Bynum, AL, we're here to help your business thrive. For more information, give us a call at (256) 237-9494 or visit our website at http://www.aodfcu.com.

Tailored Loan Solutions

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

Auto Loans & Vehicle Financing

If you're in the market for a new car, our Auto Loans & Vehicle Financing services make it simple. We understand that purchasing a vehicle is a significant investment. That's why we provide competitive rates and flexible terms, ensuring you can drive away in the car of your dreams without breaking the bank.

Business Banking

For our business members, we provide comprehensive Business Banking services including Merchant Services & Business Loans. We know that running a business comes with its own set of challenges, and we're here to support you in achieving success.

Convenient Access

Our commitment to convenience extends beyond traditional banking hours. With ATM services available at various locations and Basic Drive-Thru Banking, handling deposits and withdrawals has never been easier. Plus, if you're on the go, our Mobile Payments feature allows you to make transactions quickly and securely. At Aod, we are dedicated to providing exceptional service tailored to meet your individual needs. If you're ready to explore all these offerings further or have any questions, don't hesitate to reach out! Call us at (256) 237-9494 or visit us online at Bynum Main. We look forward to serving you!

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! Enjoy benefits like cash back or points redeemable for travel and experiences while managing your everyday spending efficiently.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage, our friendly staff is here to guide you every step of the way. We take the time to explain the process so you feel confident about your decisions.

Personal Banking

At Aod, we offer Personal Banking options that cater to everyone. Whether you're looking to open a checking or savings account, we have solutions tailored just for you. Imagine having the freedom to manage your finances effortlessly through our Online & Mobile Banking platforms. You can check your balance, transfer funds, and even pay bills right from your smartphone or computer.

Personal Loans & Debt Consolidation

For those times when life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services offer a solution. These loans can help you manage debts more effectively or cover unforeseen costs without added stress.

Digital & Online Banking

Convenient Features

With our online banking, managing your finances is a breeze. You can check your balances, transfer funds, and pay bills with just a few clicks. Plus, our mobile application makes it even easier to keep track of your accounts right from your smartphone. Enjoy the convenience of mobile payments, allowing you to make purchases without fumbling for cash or cards. Security is a top priority for us. Our electronic signature authorization feature lets you sign documents safely online, ensuring your transactions are protected. For those who prefer going paperless, e-statements are available, making it easy to view your account statements without clutter.

Real-Time Access and Transfers

Need to send money to a friend? With our person-to-person transfer feature, you can quickly send money directly from your account to theirs, all within the app or online portal. You'll enjoy real-time updates on your transactions, so you always know what's happening with your finances. Our commitment to accessibility means you can bank anytime and anywhere. Whether it's day or night, our online services are here for you when you need them most. At Aod, we strive to make banking simple, secure, and tailored for you. Explore all these features today and experience the convenience of modern banking!

Financial Strength

Growing Membership Base

We are pleased to report a growing member base with a total of 65,736 share accounts. This growth signifies the trust our community has placed in us to manage their finances securely. 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 334 Victory Drive Bynum Al 36253 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.*

Investment in Member Services

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 is robust, with $2,253 in used auto loans and $231,473,159 in total loans and leases available to support your financial goals across various sectors.

Operational Efficiency

Our operational efficiency is reflected in our $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 who are always ready to assist you with knowledge and commitment.

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 provide financing options tailored to your budget, making it easier for you to drive away in the vehicle you want.

Commercial Loans

For business owners, our outstanding commercial loans totaling $19,602,486 provide the capital needed to grow and expand. We understand that businesses require unique solutions, and our team is ready to assist with your funding needs. If you're considering refinancing any existing loans, we can help determine if you're eligible for better rates or terms making it easier for you to save money over time. At Aod, our goal is to empower members with financial tools that work for them. For more details about our loan offerings or to discuss eligibility options, please reach out at (256) 237-9494 or visit us at our branch located at 334 Victory Drive Bynum Al 36253 in Bynum, AL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines

For those who need additional financial flexibility, our total credit lines amounting to $15,000,000 can support various personal or business expenses. This option allows you to borrow only what you need while providing peace of mind for unexpected costs.

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 guide you through every step of the mortgage process, ensuring you feel confident as you make this important investment.

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. These cards provide convenience and can help build your credit score when used responsibly.

Loan Aggregator

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AOD FEDERAL CREDIT UNION - Bynum, AL

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