Baldwin County Loxley AL Credit Union | Affordable Auto Loans & Business Banking

Introduction

Community Impact

Our mission is clear: empower our members by offering affordable loans and competitive rates. With a total of 793 loans and leases issued, we help individuals achieve their dreams whether it's buying a new car or consolidating debt. The heart of our operation is the local community; every dollar spent here stays within the community, fostering economic growth and development.

Leadership You Can Trust

Under the guidance of our CEO Gary Townsend and Board President Ronald Green, we prioritize member satisfaction above all else. Our small but dedicated team of 6 employees works tirelessly to ensure that each visit feels like coming home. We're here to listen, understand your goals, and provide you with the best possible solutions.

Visit Us Today!

While members can visit us at our branch location in Loxley, official correspondence should be sent to our mailing address: P.O. Box 1149, Bay Minette, AL 36507. If you're ready to take control of your finances or simply want more information about what we offer including online and mobile banking please don't hesitate to reach out at 251-424-1080. Join us at Baldwin County Credit Union today! Together, let's build a brighter financial future for you and our community. For more information about our services and offerings, visit us online at baldwincountyfcu.com.

Branch History & Mission

Welcome to Baldwin County, where our story began in 1959. Since opening our doors, we have grown alongside our community in Loxley, Alabama, fostering a spirit of support and trust among our members. Our branch is located at 1089 Hickory St Ste F, right in the heart of Loxley, making it easy for you to access all the services we offer. If you need to send us official correspondence, please use our mailing address: P.O. Box 1149, Bay Minette, AL 36507. Over the years, we have proudly served more than 2,400 members with total assets reaching $29,496,552. This growth reflects not just our commitment to financial services but also our dedication to enriching lives within our community. Our mission is simple yet powerful: to provide accessible banking solutions while uplifting and empowering those we serve. At Baldwin County Credit Union, we believe that everyone deserves financial stability and success. We offer a variety of services tailored to meet your needs from personal banking options like checking and savings accounts to loans for cars and homes. Our drive-thru service ensures that you can easily complete transactions without leaving your vehicle, adding convenience to your banking experience. As we embrace digital advancements, we also prioritize accessibility for all members. We are proud to be ADA compliant and continually strive to improve our online and mobile banking options. While currently there are no ATMs on-site, we encourage you to take advantage of our online banking features for your convenience. Our commitment goes beyond just financial services; it's about building lasting relationships within the community. We actively participate in outreach programs and partnerships that aim to strengthen local initiatives and support those in need. Join us at Baldwin County Credit Union and be part of a family that cares about your financial journey. Whether you're looking for a loan or simply want advice on managing your finances better, we're here for you every step of the way. Visit us during our operating hours from 8:00 am to 4:30 pm on weekdays or give us a call at 251-424-1080. Experience the difference with Baldwin County where your success is our mission!

Branch Location & Accessibility

Banking Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM to 4:30 PM. Stop by during these hours to meet with our friendly staff who are ready to assist you with personal banking services, auto loans, mortgage options, and more!

Call Us Today!

If you have questions or need assistance before visiting, feel free to give us a call at 251-424-1080. We look forward to welcoming you at our Loxley branch and helping you achieve your financial goals!

Easy Access and Parking

Getting to our branch is a breeze! We offer ample parking space right outside the entrance, making it easy for you to hop in and out. Our location is also ADA compliant, ensuring that everyone can access our services comfortably. If you prefer not to enter the building, we have a drive-thru option available for quick transactions like deposits and withdrawals.

Services Offered

At Baldwin County Credit Union, we provide a range of services tailored just for you. Whether you're looking for checking and savings accounts, vehicle financing, or personal loans, we've got you covered. Plus, with online and mobile banking options available, managing your finances has never been easier.

Member Eligibility

At Baldwin County, we're excited to welcome you into our community! Becoming a member is easy and rewarding. To be eligible for membership, you simply need to live, work, worship, or attend school in Baldwin County. This inclusive approach ensures that our services are available to those who share a connection with our vibrant community. By joining us at 1089 Hickory St Ste F, Loxley, AL 36551, you'll gain access to a variety of financial products tailored to your needs from checking and savings accounts to auto loans and personal loans. Plus, being a member means you're part of a supportive network where your financial well-being is our top priority. If you're ready to take the next step towards membership, it's as simple as giving us a call at 251-424-1080 or visiting our website for more details on eligibility criteria at baldwincountyfcu.com. We look forward to having you join our family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Transactions

Managing transactions smoothly can make a significant difference in your operations. Our merchant services offer practical tools that simplify payment processing, enabling you to focus on what matters most growing your business. Imagine being able to accept payments seamlessly from customers while keeping track of sales effortlessly. Visit us at 1089 Hickory St Ste F Loxley Al 36551 in Loxley, AL, or contact us at (251) 424-1080 to learn how our business banking services can support your goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easy for you to drive away in the vehicle of your dreams without breaking the bank. We offer competitive rates and flexible terms, helping you find an option that fits your budget.

Business Banking Services

For our entrepreneurial members, we provide business banking services including merchant services and business loans. We understand the challenges of running a business and are dedicated to supporting your growth with tailored financial solutions.

Convenient Online & Mobile Banking

In today's fast-paced world, having control over your finances anytime is essential. Our online and mobile banking features allow you to manage your accounts on-the-go, whether you're checking balances, transferring funds, or paying bills. You can also enjoy easy cash withdrawal services from ATMs and basic drive-thru banking for deposits and withdrawals. At Baldwin County, we're more than just a credit union; we're part of your community. We invite you to visit us in Loxley or contact us at 251-424-1080 to learn more about how our comprehensive services can assist you on your financial journey. Your future starts here!

Credit Cards with Rewards

Make the most of your spending with our credit cards that offer rewards! Enjoy benefits like cash back or points towards travel when using our credit card for everyday purchases. It's not just about making payments; it's about earning rewards while doing so!

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and at Baldwin County, we make the process smoother with our mortgage loans. If you're looking to buy a new home or refinance an existing mortgage, our team is here to guide you through every step, ensuring you get the best deal possible.

Personal Banking Solutions

We offer a variety of personal banking options to help you manage your money effectively. Our checking and savings accounts are tailored to fit different lifestyles and preferences, ensuring that you have access to your funds whenever you need them. Whether you're saving for a special occasion or just want a safe place for your everyday expenses, we've got you covered.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come in handy. Whether it's for home improvements, medical bills, or debt consolidation, we provide straightforward solutions to meet your needs without added stress.

Digital & Online Banking

Accessibility at Your Fingertips

While we currently do not offer a mobile application, our website is optimized for mobile devices so you can manage your accounts effortlessly from any smartphone or tablet. Whether you're making a payment or checking your account status, you'll find it simple and straightforward. Explore all these services and more by visiting us at https://www.baldwincountyfcu.com/ . At Baldwin County, we're here to support you every step of the way in managing your finances securely and conveniently!

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or reviewing recent transactions, everything is just a few clicks away at https://www.baldwincountyfcu.com/ . No more waiting in line; take control of your banking experience from the comfort of your home.

E-Statements and Mobile Payments

Say goodbye to paper clutter with our e-statements! Enjoy quick access to your monthly statements whenever you need them. Plus, if you're on the go, our mobile payments feature allows you to make purchases directly from your phone making shopping simpler and faster than ever before.

Secure Transactions

We prioritize your security. With features like person-to-person transfers, sending money to friends or family is not only easy but also safe. You can rest assured that your financial information is protected while you enjoy the benefits of quick and efficient transactions.

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Baldwin County is your trusted partner. Visit us at 1089 Hickory St Ste F Loxley Al 36551 or call (251) 424-1080 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 6 full-time employees ready to serve you with a knowledgeable team. While there are currently no part-time employees at our branch, our dedicated staff is here during operating hours to assist you with all your banking needs.

Prioritizing Our Members

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.

Reinvestment for Growth

With $2,904,531 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This ongoing investment helps us adapt to your changing needs while maintaining top-notch service.

Secure Savings Opportunities

Members' savings are secured through $5,372,177 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares, our focus remains on ensuring your investments yield the best returns possible.

Strong Financial Health

With a net worth of $3,407,600, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,155 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

Our lending capacity supports members' financial goals across various sectors with $297 in used auto loans and $12,018,669 in total loans and leases. Our operational efficiency is reflected in our $140,643, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,090,717 in used vehicle loans and $1,077,670 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used car, our financing options can make it happen.

Credit Lines and Unsecured Loans

In addition to vehicle and mortgage financing, we also offer credit lines with a total availability of $1,000,000. These lines can be invaluable for managing unexpected expenses or consolidating debt. Plus, while we currently don't have unsecured credit card loans available, we focus on providing services that align with member needs. If you're considering refinancing any existing loans or exploring eligibility options for any of our loan products, don't hesitate to ask our knowledgeable staff for assistance. We are here to help you navigate your choices and find the best solution for your financial situation. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today to learn more about how Baldwin County can support your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $873,639, make buying or refinancing simple. We provide flexible terms and competitive rates to help you secure your dream home without breaking the bank.

Loan Aggregator

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BALDWIN COUNTY FEDERAL CREDIT UNION