Aod Credit Union Oxford AL | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Aod in beautiful Oxford, Alabama! Located at 12 Elm St, we have proudly served our community since 1950, providing a trustworthy place for your financial needs. With a solid membership base of 37,646 members, we are dedicated to making banking accessible and beneficial for everyone in our area. At Aod, we understand that financial stability is essential for a thriving community. That's why we've built a strong foundation with total assets of $431,964,751 and total deposits reaching $35,923,427. Our commitment extends beyond just numbers; we focus on fostering relationships and supporting our members' goals. Whether you're looking for an auto loan or want to explore personal banking options, our team is here to help you every step of the way. Our leadership team, led by CEO Virginia Bowen and Board President Bobby Israel, shares a vision of empowering our members through tailored financial solutions. With a dedicated staff of 76 employees, we strive to offer personalized service that truly makes a difference. While you can visit us at our branch location in Oxford, official correspondence should be sent to our mailing address: PO Box 608, Bynum, AL 36253. If you have any questions or need 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 noon. We invite you to discover how Aod can support your financial journey. Visit us online at aodfcu.com or stop by our branch today!

Branch History & Mission

At Aod, located at 12 Elm St in Oxford, Alabama, we take pride in our rich history and strong commitment to our community. Established in 1950, we have grown alongside our members, becoming a trusted financial partner for over seven decades. Today, we proudly serve a vibrant membership of 37,646 individuals who rely on us for their financial needs. Our mission is straightforward yet powerful: to provide exceptional financial services while supporting the growth and well-being of our community. We believe that banking should be more than just transactions; it should be about building relationships. This philosophy guides everything we do. From our humble beginnings to becoming a credit union with total assets reaching $431,964,751, Aod has always focused on the needs of our members. Our branch operates Monday through Friday from 9 AM to 5 PM and Saturday from 8 AM to 12 noon, ensuring we are here when you need us. We offer a variety of services including personal and business banking options such as checking accounts, auto loans, mortgages, and credit cards with rewards. While members can visit us at 12 Elm St in Oxford for all their banking needs, official correspondence should be sent to PO Box 608 in Bynum for those needing an alternative address. Our branch is equipped with an ATM for easy access to cash and drive-thru banking facilities for added convenience. As part of our commitment to the community, we actively engage in outreach efforts and partnerships that make a difference in people's lives. Our goal is not only to provide financial support but also to empower individuals and families through education and resources. In today's world, we understand the importance of technology in making banking easier. That's why we offer online banking services, mobile payments, e-statements, and person-to-person payment options. We strive to ensure all members have access to modern banking solutions while maintaining compliance with ADA standards. Join us at Aod and experience the difference that comes from being part of a member-focused credit union dedicated to your financial success. Let's grow together! For more information or to open an account today, visit our website or call us at 256-237-9494.

Branch Location & Accessibility

Convenient Access

Our location offers ample parking for your convenience, with features that ensure accessibility for everyone. If you require assistance, our team is always ready to help you navigate your banking needs. We are committed to providing an environment that welcomes all members of our community.

Get in Touch

We invite you to come visit us at the Aod branch in Oxford! Whether you have questions about services or need assistance with your accounts, feel free to call us at 256-237-9494. Our dedicated team looks forward to helping you achieve your financial goals!

Operating Hours

We know your time is valuable, so we've structured our operating hours to suit your schedule. Visit us Monday through Friday from 9 AM to 5 PM and on Saturday from 8 AM to 12 noon. Whether you're stopping by during lunch or after work, we're here when you need us.

Services Offered

At Aod, we strive to meet all your banking needs under one roof. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? Our ATM is available for quick withdrawals and balance checks. Prefer a more personal touch? Enjoy our drive-thru service for deposits and simple transactions without leaving your car!

Member Eligibility

Becoming a member of Aod is like joining a welcoming family that truly cares about your financial well-being. If you're looking to be part of a community that supports your goals, you're in the right place! At Aod, we invite individuals who live, work, worship, or attend school in the areas around us to join our membership. This means if you're connected to our community in any way, you can take advantage of all the benefits we offer. Not only do our members enjoy competitive rates on loans and savings, but they also experience personalized service that makes banking feel more like a partnership than a transaction. Opening an account is straightforward and easy just visit us at our branch located at 12 Elm St Oxford Al 36203, or you can start the process online through our website. For more detailed information about eligibility requirements and the steps to become a member, check out our resource. If you have any questions or need assistance, don't hesitate to give us a call at (256) 237-9494. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having the tools you need right at your fingertips to accept payments easily and efficiently. Our merchant services provide just that. From point-of-sale systems that streamline transactions to online payment solutions that keep you connected with customers anywhere, we've got your back. These services allow you to focus on what matters most growing your business. Visit us at 12 Elm St Oxford Al 36203 in Oxford, AL, or give us a call at (256) 237-9494 to learn more about how we can help your business thrive!

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - 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

For our entrepreneurial members, we offer business banking services that cater to small business needs. From merchant services to business loans, we're here to support your venture every step of the way.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking platforms. You can manage your accounts from anywhere with ease whether that's checking balances, making transfers, or paying bills right from your smartphone. Additionally, our ATM services ensure you have easy access to cash whenever you need it.

Drive-Thru and ATM Access

For those who prefer face-to-face interactions or quick transactions on the go, our drive-thru service allows for simple banking tasks like deposits and withdrawals without leaving your car. Plus, with basic ATM access available for balance checks and cash withdrawals, managing your money has never been easier. At Aod, we're more than just a financial institution; we are a community partner committed to helping you achieve financial wellness. Our friendly staff is ready to assist you during our operating hours from Monday through Friday 9 AM - 5 PM and Saturday 8 AM - 12 Noon. If you're interested in learning more about how we can help you meet your financial needs or if you're ready to open an account, don't hesitate to contact us at (256) 237-9494 or visit us online at Oxford. Your journey toward better financial health starts here!

Loans and Credit Options

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can help you get back on track. Plus, with credit cards that offer rewards, you can earn while you spend perfect for those who want to make their money work harder for them.

Personal Banking

We understand that managing finances can be overwhelming at times. That's why our personal banking services include both checking and savings accounts tailored to help you reach your financial goals. Need a new vehicle? Our auto loans and vehicle financing options are competitive and flexible, making it easier for you to hit the road without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options provide you with the guidance and support you need to make informed decisions.

Digital & Online Banking

Additional Services

Stay organized and eco-friendly with e-statements. Instead of waiting for paper statements to arrive in the mail, you can receive them electronically all while helping the environment by reducing paper waste. Need to send money to a friend? Our person-to-person transfer feature allows you to send funds quickly and easily with just a few clicks. And if you're always on the move, our mobile payments feature lets you pay with your phone at participating merchants no wallet needed. With all these features available at Aod, managing your finances has never been easier or more secure. Join us today and experience the convenience of digital banking!

Key Features

Our online banking platform puts you in control. You can view your account balances, transfer funds, and pay bills without any hassle. Plus, with our mobile application, banking is just a tap away. Whether you're checking your balance during lunch or making a quick payment while waiting in line, we've got you covered. Security is a top priority for us. We utilize electronic signature authorization to ensure that your transactions are safe and secure. This means you can sign important documents digitally without stepping foot into the branch, giving you peace of mind as you manage your finances from anywhere.

Financial Strength

A Growing Member Base

Total Share Accounts: 65,736, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $1,972,425, ensuring ample resources 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 12 Elm St Oxford Al 36203 or call (256) 237-9494 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Your savings are safe with us. Members' funds 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.

Operational Efficiency

Our operational efficiency is highlighted by 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 ready to assist you with any inquiries or services you need.

Reinvestment for Growth

Our commitment to excellence is reflected in our $64,691,339 in undivided earnings, which allows 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 your financial goals across various sectors.

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have flexible terms designed to fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $19,602,486 provide the capital needed to grow and expand your business operations. We are committed to supporting local businesses and their financial needs. Whether you're considering refinancing an existing loan or exploring eligibility options for one of our products, our knowledgeable staff is here to guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have any questions or need assistance finding the right loan product for you, don't hesitate to contact us at (256) 237-9494, or visit us at our branch located at 12 Elm St Oxford Al 36203 in Oxford, AL. We're here to help!

Credit Lines and Personal Financing

For those looking for additional flexibility, we also offer credit lines with a total of $15,000,000 available. This option can help cover unexpected expenses or provide extra cash when needed. Additionally, we have unsecured credit card loans with a total of $11,931,223, which can be an effective way to manage your finances while earning rewards on your purchases.

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 know how important it is to find the right mortgage solution for your needs, and our team is ready to assist you every step of the way.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 commitment to transparency ensures that users receive fair and reliable offers when they are searching for loans.

AOD FEDERAL CREDIT UNION - Oxford, AL

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