Avadian Chelsea AL Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Avadian, your trusted financial partner since 1934! Located at 15660 Highway 280, Chelsea, AL 35043, our credit union has been dedicated to serving the community with integrity and commitment for nearly nine decades. With a total membership of over 97,000 individuals, we pride ourselves on creating strong relationships and providing exceptional services tailored to your financial needs. At Avadian, we understand that financial decisions can be overwhelming. That's why our friendly team is here to guide you every step of the way. From personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options, we've got you covered. With total assets exceeding $1.39 billion and deposits reaching $84,784,665, you can trust us to help secure your financial future. Our leadership team, led by CEO Linda Cencula and Board President Terry Davis, is passionate about fostering a supportive environment where members feel valued and empowered. Our dedicated staff of 283 employees is here to ensure you receive personalized service that meets your unique needs. While members can visit us at our branch in Chelsea, official correspondence should be sent to the same address. For any inquiries or assistance, don't hesitate to call us at 205-678-7797. We invite you to explore our offerings further by visiting our website at Avadian Credit Union. Whether you're looking for straightforward banking solutions or need guidance on loans and financing options, we're here for you! Join us today and experience the Avadian difference where community matters, and your financial success is our priority!

Branch History & Mission

At Avadian, located in the heart of Chelsea, Alabama, our story began in 1934 when we first opened our doors to serve the community. Since then, we have grown into a trusted financial partner for over 97,000 members, providing them with a wide range of personal and business banking services. Our branch at 15660 Highway 280 is more than just a place to manage finances; it is a hub of support and growth for our members. Our mission is clear: to empower our members by providing affordable financial solutions while fostering a sense of community. We believe that everyone deserves access to quality financial services, which is why we offer everything from checking and savings accounts to auto loans and mortgages. With total assets reaching over $1.39 billion, we are committed to ensuring your financial well-being. The journey of Avadian is marked by significant milestones. We pride ourselves on being adaptable and innovative, having embraced digital advancements that enhance member experience. Today, we offer online banking, mobile payments, and electronic signatures, making it easier than ever for you to manage your finances on the go. Our commitment to ADA compliance ensures that all members can access our services with ease. While our branch address serves as a welcoming point for face-to-face interactions, official correspondence should be sent to the same address: 15660 Highway 280, Chelsea, AL 35043. With operating hours from 8:45 a.m. to 5:00 p.m., Monday through Friday, we are here to assist you during your busy days. Community involvement is at the core of what we do. We actively seek partnerships with local organizations and strive to make a positive impact in Chelsea and surrounding areas. Whether through educational programs or outreach initiatives, our goal is to uplift those around us while providing excellent financial services. As we look toward the future, we invite you to join Avadian Credit Union. Experience firsthand how we can help you achieve your financial goals while being part of a supportive community that truly cares about its members. Come visit us today or learn more about membership options at our website. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Welcome to Avadian, your trusted credit union located conveniently at 15660 Highway 280 in Chelsea, Alabama. Our branch is nestled in the heart of Shelby County, easily accessible for members and visitors alike. You can find us right near popular local spots, making it simple to stop by while you're out and about. At our Chelsea branch, we prioritize your convenience with ample parking available right outside. We've ensured that our facility is accessible to everyone, featuring ADA-compliant entrances and ramps so that all members can enjoy our services comfortably. Whether you're visiting for a quick transaction or need assistance with your financial needs, our friendly staff is ready to help. Our operating hours are designed to fit into your busy schedule: we're open from 8:45 a.m. to 5:00 p.m., Monday through Friday. If you ever need cash or quick banking services outside of these hours, you'll be pleased to know that we have an ATM on-site for your convenience. Additionally, our drive-thru service allows for easy banking without leaving your vehicle perfect for those on-the-go moments! If you're looking for shared services, you'll also be glad to hear that we offer basic transactions for members of partner credit unions. While members can visit us at 15660 Highway 280, official correspondence should be sent to the same mailing address. For any questions or assistance, feel free to reach out at 205-678-7797. Our team at Avadian looks forward to welcoming you in person! Come see how we can support your financial journey today.

Member Eligibility

At Avadian, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the areas we serve. We also welcome immediate family members of current members. Joining us means you gain access to a wide range of financial services tailored just for you, including competitive loan rates and personalized banking solutions. For more detailed information about the eligibility criteria, feel free to check out our website at http://www.avadiancu.com/membership/careers-at-avadian/available-positions . Ready to take the next step? Opening an account with us is quick and easy! Just visit our online application page at https://secure.avadiancu.com/avadiancu/sdk/autoenrollmente2e , or give us a call at (205) 678-7797 if you have any questions. We're here to help you every step of the way as you embark on your journey with Avadian at 15660 Highway 280 Chelsea Al 35043.

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 $268 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $9 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $102,716,527, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine a seamless checkout experience for your customers this is where our merchant services come into play. Whether you run a bustling retail shop or a cozy café, our solutions help you accept payments easily and efficiently. From credit card processing to online payment gateways, we provide tools that allow you to focus on what you do best: growing your business. Located at 15660 Highway 280 Chelsea Al 35043 in Chelsea, AL, we're here to help your business thrive every step of the way. Give us a call at (205) 678-7797 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking Services

If you're a business owner or aspiring entrepreneur, our business banking services include merchant services and business loans that can fuel your growth. We know how crucial it is for businesses to have reliable financial support, so we're here to provide the tools you need for success.

Convenient Access

Accessibility is key for our members. That's why we offer both online and mobile banking, which means you can manage your accounts anytime, anywhere. With features like person-to-person payments, checking balances, and making deposits at your fingertips, banking has never been easier. Need cash quickly? Utilize our ATM services for withdrawals and balance checks without hassle. For those who prefer face-to-face interactions, our drive-thru banking allows for easy transactions like deposits and withdrawals without leaving your car.

Credit Options

Credit is an important part of financial health, and at Avadian, we offer credit cards with rewards that give back on your everyday purchases. Enjoy benefits while building your credit score it's a win-win!

Get Started Today!

We invite you to experience all the services available at Avadian. Whether you're visiting us in person or accessing us online through our website at Chelsea, we're here to support your financial journey. For any questions or assistance, feel free to call us at (205) 678-7797 during our operating hours from 8:45 a.m. - 5:00 p.m., Monday through Friday. Join us today and discover how we can help you achieve your financial goals!

Personal Banking Solutions

We understand that managing personal finances can be overwhelming at times. That's why we offer checking and savings accounts tailored to fit various lifestyles and financial goals. Our accounts come with features such as online banking and mobile payments, allowing you to easily monitor your funds from anywhere. When it comes to financing, our auto loans and vehicle financing options are designed with competitive rates to help you get behind the wheel without breaking the bank. If you're thinking about buying a home or refinancing your current mortgage, our mortgage loans provide flexible terms and personalized guidance throughout the process. For those unexpected expenses or plans that require extra funds, consider our personal loans and debt consolidation options. We work with you to find solutions that help ease financial stress while keeping your budget in mind.

Shared Branch Transactions

As part of our commitment to community service, we also facilitate basic shared branch transactions for members of partner credit unions. This means you can handle deposits and withdrawals even if you're away from home.

Digital & Online Banking

E-Statements and Mobile Features

Stay organized and environmentally friendly with e-statements available at Avadian. No more paper clutter just easy access to your financial statements whenever you need them. And if you're always on the move, you'll love our mobile application. It not only lets you manage your accounts but also supports mobile payments, making transactions quick and hassle-free.

Person-to-Person Transfers

Need to send money to a friend? Our person-to-person transfer feature allows you to quickly send funds without needing cash or checks. It's an easy way to share expenses or help someone out in a pinch. At Avadian, we understand that managing your finances should be simple and accessible. Whether it's checking your balance from the couch or making a quick transfer during lunch, our digital services are here to make your life easier while keeping your information secure. Join us in embracing the future of banking!

Financial Strength

Committed Team at Your Service

We also take pride in having 277 full-time employees and 6 part-time employees who are dedicated to serving you with knowledge and commitment. Together, they ensure that every visit to our branch at 15660 Highway 280 Chelsea Al 35043, Chelsea, AL 35043 is a positive experience. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Avadian is your trusted partner. Visit us at 15660 Highway 280 Chelsea Al 35043 or call (205) 678-7797 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.*

Continuous Investment in Member Services

Our dedication to your financial well-being is reflected in our $119,924,445 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures. This ensures that you receive the best service possible.

Member-Centric Savings Options

Your savings are secure with us! We offer $501,609,875 in share certificates and $183,909,065 in money market shares, which provide stable and rewarding financial growth opportunities for our members. Unlike traditional banks, we prioritize you our valued member. With non-member deposits at $0, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $125,249,681, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $900 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

At Avadian, we understand that life comes with various financial needs. That's why we have $13,950 in used auto loans and $1,080,574,561 in total loans and leases to support your goals across different sectors. Our operational efficiency is highlighted by our $3,419,335, enabling us to keep offering competitive loan rates and solid financial products tailored for you.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $281,000,582 in used vehicle loans and $109,703,052 in new vehicle loans to help members get on the road. Whether you're interested in financing a brand-new model or a dependable used car, our team is here to assist you with flexible terms and competitive rates.

Business Financing

For business owners seeking capital to grow and expand their ventures, our outstanding commercial loans total $102,716,527. We understand the unique challenges that businesses face and strive to provide tailored solutions that support your growth ambitions. As always, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Avadian in Chelsea, we're committed to providing personalized service tailored to meet your financial needs. Feel free to reach out at 205-678-7797 during our operating hours from 8:45 AM to 5:00 PM Monday through Friday for any questions about our loan products or how we can assist you further!

Credit Cards and Personal Loans

We also provide flexible terms on unsecured credit card loans. With a total of $25,089,807 in these loans helping members manage their finances effectively, our credit cards come with rewards that add value to every purchase you make. Additionally, if you need funds for personal expenses or debt consolidation, our personal loans are designed with your needs in mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $143,313,580, making it easier for you to settle into your dream home. If you're considering refinancing your current mortgage for better terms or lower payments, we can guide you through the eligibility options available.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You won't have to worry about hidden fees or misleading terms. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user receives the same access to loan options, regardless of lender marketing budgets. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare options side-by-side. This helps you identify the most competitive rates available at any given moment. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the reliability and effectiveness of this comparison tool. Ready to find the best loan offers? Compare real-time loan offers today at LendMesh and discover the rates that suit 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.

How LendMesh Ensures 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 ), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the information you receive reflects true market conditions.

AVADIAN CREDIT UNION