Aod Credit Union Pell City AL | Best Auto Loans & ATM Services

Introduction

Welcome to Aod, your trusted financial partner located at 275 Vaughn Spur, Pell City, AL 35128. Established in 1950, we have proudly served our community for over seven decades, growing together with our members and fostering strong relationships built on trust and reliability. With a total membership of 37,646, we are dedicated to providing personalized service that meets the unique needs of our diverse clientele. At Aod, we understand the importance of financial stability, which is why we have worked hard to achieve impressive financial milestones. Our total assets stand at an impressive $431,964,751, allowing us to offer a variety of services tailored to your financial goals. We currently hold $35,923,427 in deposits and have facilitated 14,284 loans and leases for our members. This commitment to helping you achieve your dreams is further reflected in our net worth of $64,691,339 and cash reserves totaling $3,208,479. While members can visit us at our branch address for all banking needs, official correspondence should be directed to our mailing address at 275 Vaughn Road, Pell City, AL 35125. Our friendly staff is here to assist you from Monday through Friday during lobby hours from 9 AM to 5 PM and on Fridays until 6 PM. Under the leadership of CEO Virginia Bowen and Board President Bobby Israel, Aod remains focused on enhancing your banking experience. With a team of 76 employees, we're committed to serving you with excellence while providing a range of personal banking options including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. Join us today at Aod! Whether you're looking for a new loan or need assistance managing your finances, we invite you to reach out at 256-237-9494 or visit us online at aodfcu.com. Together, let's build a brighter financial future!

Branch History & Mission

Looking Ahead

As we move forward, we remain focused on innovation while staying true to our roots. Our operating hours reflect our commitment to convenience open Monday through Friday from 9 AM to 5 PM (and until 6 PM on Fridays). We invite you to experience the warmth of personalized service that defines Aod. Join us today! Discover how becoming a member can open doors to better financial opportunities. Let's build a brighter future together! For any inquiries or assistance, feel free to reach us at 256-237-9494 or visit us online at Aod.

Our Journey

From humble beginnings, Aod has evolved into a trusted financial partner for many families and businesses in Pell City and beyond. We understand that life brings both challenges and opportunities, and we strive to be there every step of the way. Our journey is marked by milestones that highlight our growth and adaptation to meet our members' needs. Whether it's expanding our services or enhancing digital access, we continually seek ways to make banking easier and more accessible.

Our Mission

At Aod, our mission is clear: we are here to empower individuals and strengthen communities through tailored financial solutions. We offer a range of services including personal banking, auto loans, mortgage loans, credit cards with rewards, business banking, and convenient online and mobile banking options. Our commitment goes beyond just providing financial services; we actively engage in community outreach efforts that support local initiatives and foster growth. While members can visit us at 275 Vaughn Spur, official correspondence should be sent to 275 Vaughn Road, Pell City, AL 35125. We pride ourselves on being fully accessible our drive-thru service offers easy transactions while our ATM is available for quick cash withdrawals.

Branch Location & Accessibility

A Convenient Spot for Everyone

At Aod, we strive to provide an inviting atmosphere for all our members. Our location features ample parking and is designed with accessibility in mind, ensuring that everyone can enjoy our services comfortably. Whether you prefer visiting us inside or using our drive-thru service, we aim to meet your needs efficiently.

Operating Hours Tailored for You

We understand that life can be busy, which is why our lobby is open Monday through Friday from 9 AM to 5 PM, and on Fridays, we're here until 6 PM! If you find yourself needing assistance outside of these hours, don't worry our drive-thru service operates Monday through Thursday from 9 AM to 5 PM and on Fridays until 6 PM as well.

Stay Connected with Us

Should you need further assistance or have any questions about our services, feel free to give us a call at (256) 237-9494. While members can visit us at 275 Vaughn Spur Pell City Al 35128, official correspondence should be sent to 275 Vaughn Road, Pell City, AL 35125. We're excited to welcome you into our community at Aod! Come by today and discover how we can help you achieve your financial goals.

Your Banking Needs Covered

While visiting Aod, you can take advantage of a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards. We also offer online and mobile banking for your convenience, so you can manage your finances anytime, anywhere. If you need cash quickly, rest assured our ATM is available for all your withdrawal and balance check needs.

Member Eligibility

At Aod, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family. If you're looking to become a member, you'll be glad to know that eligibility is straightforward and welcoming. We open our doors to anyone who lives, works, worships, or attends school in Pell City and the surrounding areas. This means that if you have ties to our vibrant community, you're likely eligible to join us! Being a member at Aod comes with many perks, such as personalized service, competitive rates on loans and savings, and access to various financial resources designed just for you. Ready to take the next step? Opening an account is easy! You can start your journey by visiting us at 275 Vaughn Spur Pell City Al 35128 or calling us at (256) 237-9494 for more information. If you prefer online options, check out the detailed eligibility criteria and begin your application through this link: Eligibility Information. We can't wait to welcome you into our growing family at Aod!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine having a reliable partner to handle your transactions smoothly. Our merchant services are designed to make your payment processing easy and efficient, allowing you to focus on what really matters growing your business. From point-of-sale systems to online payment solutions, we've got you covered. Located at 275 Vaughn Spur Pell City Al 35128 in Pell City, AL, we're here to support your business every step of the way. Visit us or call us at (256) 237-9494 to discover how our business banking and commercial services can benefit you today!

Comprehensive List Of Services

Business Banking Services

If you run a business, Aod has services just for you. From merchant services that simplify payment processing to business loans that support your growth, we're here to help entrepreneurs thrive in today's market.

Credit Card Rewards

Don't forget about our credit cards with rewards! Whether you're using them for daily purchases or special occasions, these cards offer benefits that make spending more rewarding.

Digital Convenience

In this fast-paced world, convenience is key. That's why we provide online and mobile banking services. With just a few clicks on our mobile app or website, you can check balances, transfer funds, pay bills, and much more all from the comfort of your own home or while you're out and about. Need cash quickly? Our ATM and cash withdrawal services ensure that you have access to your funds whenever you need them. Plus, with our basic drive-thru banking option, you can easily handle deposits, withdrawals, and simple transactions without leaving your car.

Get in Touch

Ready to learn more about how Aod can assist you? Whether you're interested in opening an account or simply have questions about our services, don't hesitate to reach out! You can call us at (256) 237-9494 or visit us at 275 Vaughn Spur Pell City Al 35128, where our friendly staff is ready to help. Join us today and experience banking made easy!

Personal Banking Solutions

We offer personal banking services that fit into your everyday life. Need a checking or savings account? We have you covered! Our accounts come with features that help you manage your money efficiently. If you're considering purchasing a new car, our auto loans and vehicle financing options are designed to get you behind the wheel quickly and affordably. For those thinking about buying a home, we provide mortgage loans and refinancing solutions that can ease the journey toward homeownership. Additionally, if you find yourself in need of extra cash for unexpected expenses, our personal loans and debt consolidation options can help you regain control over your finances.

Digital & Online Banking

Key Features

Our online banking platform allows you to enjoy features like E-Statements, which let you receive your account statements electronically saving trees and making it easy to keep track of your finances. If you're on the go, our mobile application is available for download, providing you with all the tools you need right in the palm of your hand. Need to send money to a friend? Our person-to-person transfers feature makes it simple and quick. Plus, if you prefer using your phone for payments, our mobile payments feature lets you pay securely without needing cash or cards.

Security and Accessibility

Security is a cornerstone of our digital banking services. We use electronic signature authorization, ensuring that your transactions are protected while being user-friendly. You can feel confident knowing that your sensitive information remains safe. With 24/7 online banking services, you can manage your accounts on your schedule. Whether it's checking balances, transferring funds, or reviewing transactions, everything is accessible whenever you need it. This real-time account management empowers you to stay on top of your finances effortlessly. In today's fast-paced world, having reliable online banking options is essential. Join us at Aod and discover how easy it is to manage your money digitally!

Financial Strength

Committed Team Ready to Serve

We take pride in having 76 full-time employees who are always ready to assist you with their knowledge and dedication. Our team is committed to ensuring your experience with us is positive and beneficial.

Investment in Growth

Our commitment to reinvesting in our services is evident through our $64,691,339 in undivided earnings. This allows us to improve banking tools, enhance lending options, and strengthen security measures all designed to serve you better.

Member-Centric Savings Options

Your savings are secure with us. We hold $67,433,918 in share certificates and $6,897,613 in money market shares, which offer stable and rewarding growth opportunities for your finances. 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 Position

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.

Supporting Your Financial Goals

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. Our operational efficiency is reflected in our $1,318,492, enabling us to continue offering competitive loan rates and solid financial products for you.

Trustworthy Community Partner

Our total share accounts stand at 65,736, showcasing a strong member base that trusts us with their finances. With net shares available for lending and investments at $1,972,425, we're well-equipped to help you achieve your financial aspirations. 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 275 Vaughn Spur Pell City Al 35128 or call (256) 237-9494 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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 model or a reliable used vehicle, we have options that make sense for you.

Business Loans

For business owners, our outstanding commercial loans totaling $19,602,486 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs. At Aod, we strive to create an accessible and supportive environment for all members. You can reach us at (256) 237-9494 or visit us at 275 Vaughn Spur Pell City Al 35128, Pell City, AL. For more information on our loan products or to start an application today, please visit our website at Pell City. 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 invite you to explore how our loan offerings can assist you in achieving your financial aspirations!

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 offer competitive rates and flexible terms to suit your budget. If you're considering refinancing your current mortgage, our team can guide you through eligibility options to find the best solution for your needs.

Unsecured Credit Cards

Managing day-to-day expenses is easier with our unsecured credit card loans. With a total of $11,931,223 in loans helping members manage their finances effectively, our credit cards come with flexible terms designed for your convenience.

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AOD FEDERAL CREDIT UNION - Pell City, AL

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