Aod Credit Union Jacksonville AL | Top Checking & Auto Loans

Introduction

Welcome to Aod, your trusted partner in financial well-being, located at 1060 Jd L Dr Sw, Jacksonville, AL 36265. Since our establishment in 1950, we have been dedicated to serving our community with a focus on trust and reliability. With a total membership of 37,646 individuals, we pride ourselves on being more than just a credit union; we are a community hub that offers personalized banking services tailored to meet your needs. At Aod, our commitment to you goes beyond traditional banking. We manage over $431,964,751 in assets and have facilitated 14,284 loans and leases to help our members achieve their financial goals. Our strength is reflected in our solid net worth of $64,691,339 and cash reserves totaling $3,208,479, ensuring that we can support our members whenever they need us. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 608, Bynum, AL 36253. Our dedicated team of 76 employees, led by CEO Virginia Bowen and Board President Bobby Israel, is here to assist you from 9 AM to 5 PM Monday through Friday and from 8 AM to 12 Noon on Saturdays. We invite you to explore the various services we offer from personal checking and savings accounts to auto loans and mortgage refinancing. With online and mobile banking options available for your convenience, managing your finances has never been easier. Ready to take the next step? Give us a call at 256-237-9494 or visit our website at aodfcu.com today! Your journey towards financial success starts here at Aod!

Branch History & Mission

At Aod, our story began in 1950 in Jacksonville, Alabama. Since then, we have grown from a small credit union to a trusted financial institution with over 37,000 members and total assets exceeding $431 million. Our commitment to the community has always been at the heart of our mission. We strive to provide exceptional financial services while making a positive impact in the lives of our members and the surrounding community. Located at 1060 JD L Dr SW, Jacksonville, AL 36265, our branch is easily accessible for all residents. Just a stone's throw away from local landmarks, we take pride in being an integral part of this vibrant community. While members can visit us at our branch address, official correspondence should be sent to PO Box 608, Bynum, AL 36253. Our mission is clear: we aim to empower individuals and families through personalized banking solutions that meet their unique needs. From checking and savings accounts to auto loans and mortgage financing, we offer a variety of products designed to help our members achieve their financial goals. We believe that everyone deserves access to quality financial services regardless of their circumstances. Over the years, Aod has embraced advancements in technology to improve member experiences. With features like online banking, mobile payments, and e-statements, we ensure that banking is convenient and accessible for everyone. Our commitment to accessibility extends beyond technology; we are proud to comply with ADA standards so that all members can engage with us comfortably. Community outreach is another essential aspect of our mission. We actively partner with local organizations to support initiatives that uplift those around us. Whether it's sponsoring events or providing financial education workshops, we believe in giving back and fostering a sense of belonging among our members. As you consider becoming part of the Aod family, know that you will receive not just financial products but also a supportive community committed to your success. Join us today and experience firsthand how we can help you thrive financially! For inquiries or assistance, feel free to reach out at 256-237-9494 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 8 AM to 12 Noon. We look forward to welcoming you!

Branch Location & Accessibility

Welcome to Aod's Jacksonville branch, conveniently located at 1060 JD L Dr SW, Jacksonville, AL 36265. Our branch is nestled in the heart of Calhoun County, making it easy for you to access essential banking services right in your neighborhood. You can find us just a short drive away from local landmarks such as the Jacksonville State University and the beautiful parks that dot our area. At Aod, we prioritize your convenience. Our location features ample parking spaces for both cars and those with mobility needs, ensuring everyone can visit us without hassle. We are proud to be ADA compliant, equipped with ramps and accessible entrances to accommodate all our members. We understand that your time is valuable, which is why we offer flexible operating hours. Join us Monday through Friday from 9 AM to 5 PM, and don't forget about our Saturday hours from 8 AM to noon. Whether you need assistance with personal banking, auto loans, or credit cards with rewards, our friendly team is here to help. If you're looking for quick cash access, we've got you covered! Our ATM is available on-site for your convenience, and if you prefer face-to-face interactions, take advantage of our drive-thru banking service for deposits and withdrawals without leaving your vehicle. For any correspondence or official matters, please remember that while you can visit us at our branch address, official mail should be directed to PO Box 608, Bynum, AL 36253. Feel free to give us a call at 256-237-9494 if you have any questions or need assistance before your visit. We can't wait to welcome you at Aod's Jacksonville branch!

Member Eligibility

Becoming a member of Aod is like joining a welcoming family that values your financial well-being. If you live, work, worship, or attend school in the Jacksonville area, you're already on your way to enjoying the perks of membership! We believe everyone deserves access to friendly service and excellent financial products, so our eligibility criteria are designed to be inclusive. For more specific details about who can join us, feel free to check out our eligibility page. Opening an account at Aod is straightforward and hassle-free. You can start the process online by visiting our account opening page, or you can give us a call at (256) 237-9494 if you have any questions. Our dedicated team is here to help you every step of the way as you take this exciting step towards better banking! We're located at 1060 Jd L Dr Sw Jacksonville Al 36265, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loans That Drive Growth

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 having the financial support you need to buy new equipment, hire staff, or even expand your location. Each loan is designed not just as a transaction but as a partnership towards your success.

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that simplify transactions for your business. Whether you're accepting payments online or in-store, our solutions are designed to enhance customer experiences while streamlining your operations. Picture this: A customer walks into your shop, makes a purchase effortlessly with their card, and you receive the funds without hassle. It's all about making banking easier for you so you can focus on what matters growing your business. Visit us at 1060 Jd L Dr Sw Jacksonville Al 36265 or call us at (256) 237-9494 to learn more about how our business banking and commercial services can work for you!

Comprehensive List Of Services

Additional Services

For those who prefer face-to-face interactions, our branch provides Basic Drive-Thru Banking, allowing you to conduct deposits, withdrawals, and simple transactions without leaving your vehicle. We are here for you during convenient hours: Monday through Friday from 9 AM - 5 PM and Saturday from 8 AM - 12 Noon. No matter what financial service you require, our dedicated team at Aod is ready to assist you. Located at 1060 Jd L Dr Sw Jacksonville Al 36265, we invite you to visit us or give us a call at (256) 237-9494. Let us help you achieve your financial goals today! Explore all that we have to offer by visiting our website at Jacksonville. Your journey toward better banking starts here!

Credit Cards and Business Banking

Our Credit Cards with Rewards program allows you to earn benefits on every purchase, making it easier for you to get something back from your spending. For our business members, we provide tailored Business Banking services, including Merchant Services and Business Loans, ensuring that your business has the financial support it needs to thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Aod, we offer robust Online & Mobile Banking features. You can easily access your accounts, transfer funds, and pay bills from anywhere at any time using our user-friendly mobile application. Need cash quickly? Our ATM services enable easy cash withdrawals and balance checks whenever you need them.

Personal Banking Services

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer Checking & Savings Accounts designed to help you save and grow your money effortlessly. If you're considering buying a car, our Auto Loans & Vehicle Financing options come with competitive rates and flexible terms, making it easier for you to drive away in your dream vehicle. Looking to purchase a home? Our Mortgage Loans & Refinancing services provide comprehensive support for both first-time buyers and those looking to refinance existing loans. We also offer Personal Loans & Debt Consolidation options, which can help simplify your financial obligations and make managing debt less stressful.

Digital & Online Banking

Convenient Online Banking

With 24/7 access to your accounts through our online banking platform, you can check balances, make transfers, and pay bills whenever you need to. To get started, visit us at https://www.aodfcu.com/. Our user-friendly interface ensures that even those who are not tech-savvy can navigate their accounts with ease.

Easy Transfers

Need to send money to a friend? Our person-to-person transfer option makes it simple. Just a few taps on your screen can send money directly to someone else's account in no time. At Aod, we are committed to providing accessible and effective banking solutions tailored to meet your needs. Embrace the convenience of modern banking while enjoying peace of mind knowing that your information is secure with us!

Mobile Banking Features

For those who prefer to bank from their smartphones, our mobile application is available for download. It allows you to perform all the same tasks as online banking right from your device. Plus, if you're out shopping or dining, our mobile payments feature lets you pay easily and securely without needing cash or cards.

Secure Transactions

We take security seriously. Our electronic signature authorization feature means you can complete transactions safely and conveniently without needing to visit a branch. With e-statements available, you'll also reduce paper clutter while keeping your financial records organized and accessible at any time.

Financial Strength

A Solid Foundation

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.

Growing Membership Trust

We currently serve a robust member base with a total of 65,736 share accounts. This trust reflects our commitment to quality service that meets 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 1060 Jd L Dr Sw Jacksonville Al 36265 or call (256) 237-9494 to learn more about how we can help you achieve your financial goals.

Investments in 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 is significant as evidenced by our $2,253 in used auto loans and $231,473,159 in total loans and leases, which support members' financial goals across various sectors.

Member-Centric Savings

Your savings are secure with us. We have $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 having no non-member deposits means our resources are focused solely on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a reported net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 76 full-time employees ready to assist you with knowledge and care.

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 terms and competitive interest rates to ensure your financing experience is as smooth as possible.

Credit Lines and Other Options

In addition to auto and mortgage loans, we have total credit lines available amounting to $15,000,000. This provides additional flexibility for managing cash flow or unexpected expenses. For business owners, our outstanding commercial loans totaling $19,602,486 provide the capital needed to grow and expand. At Aod, we also recognize that refinancing options may be available for those looking to lower their monthly payments or consolidate debt. If you're interested in exploring eligibility for any of our loan products or refinancing options, please reach out to us directly 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. We are committed to transparency and ensuring you have all the information you need when considering your financial options. Stop by our branch today or visit us online at https://www.aodfcu.com/ to learn more about how we can assist you with your lending needs!

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 strive to make the process straightforward and accessible for all our members.

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 rewards and features designed to enhance your purchasing power while keeping your budget intact.

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