Introduction
Welcome to Chem Family Credit Union, where we believe in putting our members first. Located at 702 Clydesdale Ave, Anniston, AL 36201, our branch has been a cornerstone of the community since its establishment in 1928. With a proud history spanning over 90 years, we are dedicated to providing personalized financial services that meet your unique needs. At Chem Family, we take pride in our strong membership base of 204 individuals, all benefiting from our robust financial offerings. With total assets amounting to $4,863,102 and total deposits reaching $195,395, we ensure that your money is secure and well-managed. Our net worth stands at an impressive $1,171,413, reflecting our commitment to financial stability and growth. Our leadership team is here to serve you. Under the guidance of CEO Rhonda Heifner and Board President Alan Rutherford, we strive for excellence in every service we provide. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking options including merchant services and business loans, we've got you covered. While you can reach us directly at (256) 237-0651, please note that any official correspondence should be sent to the same address as our branch location. We invite you to visit us during our lobby hours on Mondays, Tuesdays, and Thursdays from 12:00 PM to 2:30 PM. Join us today and experience the difference at Chem Family Credit Union where your financial journey is our priority!
Branch History & Mission
At Chem Family Credit Union, located at 702 Clydesdale Ave, Anniston, AL 36201, we take pride in our rich history and unwavering commitment to serving our community. Established in 1928, our credit union has grown from a small group of dedicated members to a thriving institution that now boasts a membership of over 204 individuals. Our journey reflects not only our evolution but also our deep-rooted dedication to enhancing the financial well-being of those we serve. Over the decades, Chem Family Credit Union has adapted to meet the changing needs of our members while staying true to our mission: to provide exceptional financial services that empower individuals and families in our community. We strive to create an inclusive environment where everyone feels valued and supported. Our total assets have reached an impressive $4,863,102, showcasing our stability and commitment to responsible financial practices. Our mission goes beyond just offering loans and savings accounts. We are dedicated to making a positive impact in Anniston and surrounding areas through various community outreach programs and partnerships. Whether it's helping families secure their first home or providing support for local events, we believe in investing back into the neighborhoods that support us. While members can visit us at 702 Clydesdale Ave Anniston Al 36201, official correspondence should be sent to 702 Clydesdale Av, Anniston, AL 36201. We invite you to experience our personal banking services, including checking and savings accounts, auto loans, mortgage financing, and more during our lobby hours on Monday, Tuesday, and Thursday from 12:00 PM to 2:30 PM. Although we currently do not offer ATM or drive-thru services, we are committed to providing excellent service directly within our branch. As we look toward the future, we remain focused on enhancing accessibility for all members while ensuring ADA compliance in our facilities. We understand that convenience is essential in today's fast-paced world, which is why we continuously seek ways to improve your banking experience. Join us at Chem Family Credit Union, where your financial goals are within reach. Together, let's build a brighter future for ourselves and for the community! If you have any questions or would like more information about becoming a member, don't hesitate to call us at (256) 237-0651.
Branch Location & Accessibility
Accessibility Features
Our branch is designed with accessibility in mind. You'll find ample parking available right outside our doors, ensuring that everyone can easily visit us. The facility complies with ADA standards, featuring ramps and accessible entrances for those who need them.
Operating Hours
We know your time is valuable, which is why we offer convenient lobby hours on Monday, Tuesday, and Thursday from noon until 2:30 PM. Although our hours may be limited compared to some banks, we focus on providing personalized service during the times we're open.
Services Offered
At Chem Family Credit Union, we pride ourselves on offering a range of banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage options, we've got you covered. While we do not currently have ATM services or drive-thru banking available at this location, our friendly staff is always ready to assist you in person or over the phone. You can reach us at 256-237-0651 for any inquiries or further assistance. We encourage you to stop by our branch soon our team looks forward to helping you achieve your financial goals!
Member Eligibility
At Chem Family, we believe that everyone deserves a chance to be part of a supportive community. If you're looking to join us, you'll find that membership is open to individuals who meet certain criteria, which can include residents in our local area or those who have family members already with us. We encourage you to check out the full details about eligibility on our website for the most accurate and updated information. Becoming a member is easy, and it opens up a world of benefits tailored just for you! From competitive rates on loans to personalized financial advice, we're here to help you achieve your goals. If you're ready to take this step, simply visit us at our branch located at 702 Clydesdale Ave Anniston Al 36201, or give us a call at (256) 237-0651 for assistance with opening an account and starting your journey with us. We're excited to welcome you into our family!
Business Banking & Commercial Services
Business Loan Options
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have specific figures for member or non-member commercial loans, we aim to provide flexible financing solutions to help your business thrive. Imagine needing funds for a new project or expansion. Our team works closely with you to explore options that fit your unique needs, whether you're looking to purchase equipment or expand your workforce.
Merchant Services
In addition to loans, we offer merchant services designed to simplify your transactions. Picture this: your customers can easily pay via credit or debit cards, making their shopping experience smoother and more enjoyable. With our support, you can focus on what truly matters growing your business. At Chem Family, we believe in building relationships that foster community growth and economic development. Connect with us today to see how we can help turn your business goals into reality!
Comprehensive List Of Services
Auto Loans & Vehicle Financing
Thinking about purchasing a new car? Our auto loans and vehicle financing options can help make your dream ride a reality. With competitive rates and flexible terms, you can drive off with confidence knowing you're making a smart financial choice.
Business Banking
For our business members, we provide comprehensive banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the tools necessary to support your growth.
Credit Cards with Rewards
Our credit cards not only offer convenience but also come with rewards! Earn points on every purchase and enjoy benefits like cashback and travel rewards, making each transaction more valuable.
Mortgage Loans & Refinancing
Buying a home is one of the biggest decisions you'll ever make, and at Chem Family, we're here to simplify the process with our mortgage loans. If you're looking to refinance, we also offer solutions that may lower your monthly payments or help you access equity in your home.
Online & Mobile Banking
In today's fast-paced world, having access to your finances anytime is crucial. That's why we offer online and mobile banking services, allowing you to manage your accounts from anywhere whether you're at home or on the go. At Chem Family, we prioritize convenience and accessibility for all our members. While physical ATMs may not be available at this branch, our digital banking features ensure that you can still access cash when needed through various means. We invite you to experience the difference at Chem Family where personalized service meets comprehensive financial solutions. Visit us today at 702 Clydesdale Ave Anniston Al 36201, or give us a call at (256) 237-0651 to learn more about how we can assist you in achieving your financial goals!
Personal Banking
We understand that managing your finances is essential. That's why we offer personal banking solutions that include checking and savings accounts, designed to fit your lifestyle. Whether you need an account for everyday transactions or a place to save for future goals, we have options that work for you.
Personal Loans & Debt Consolidation
If you're facing unexpected expenses or want to consolidate debt, our personal loans provide quick access to funds when you need them most. We aim to help ease your financial burden so you can focus on what matters.
Digital & Online Banking
Key Services
With our online banking platform, available, you can access your accounts 24/7. This means you can check balances, transfer funds, and pay bills right from the comfort of your home or on the go. No need to wait in line; everything you need is just a click away. While we currently do not offer e-statements or mobile payment features, our commitment to security remains strong. Although electronic signature authorization isn't available at this time, rest assured that we prioritize the safety of your financial information.
Real-Time Management
Our online banking services give you real-time access to your accounts. Whether you're checking your savings or planning for a big purchase, you'll always know where you stand financially. The ease of accessing your account information helps you make informed decisions quickly. In summary, while there are some features we don't currently offer, Chem Family remains dedicated to providing reliable and accessible banking solutions tailored to meet your needs. Join us today and discover how easy it is to manage your money with confidence!
User-Friendly Experience
Even without a mobile application or person-to-person transfer options, managing your finances is straightforward with us. We focus on providing a user-friendly experience so that you can easily navigate your account details whenever you need.
Financial Strength
At Chem Family, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to provide you with a trustworthy banking experience, backed by solid financial health. With a net worth of $1,171,413, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 24.09% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This commitment to financial strength reassures you that your funds are safe with us. Members' savings are secured through $0 in share certificates and $0 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. Additionally, our strong earnings position shows our dedication to serving you better. With $562,996 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures. Our capacity to support your needs is evident with $11 in used auto loans and $1,435,679 in total loans and leases. Our operational efficiency is reflected in our $29,680, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 0 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 204, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chem Family is your trusted partner. Visit us at 702 Clydesdale Ave Anniston Al 36201 or call (256) 237-0651 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. Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $244,905 in used vehicle loans and $124,847 in new vehicle loans already helping members get on the road. We provide competitive financing options for both new and used vehicles to ensure you find the perfect fit for your budget.
Business Financing
For business owners seeking growth opportunities, our outstanding commercial loans provide the capital needed to expand. Although we currently have no outstanding commercial loans, we are always ready to assist our members in exploring future financing options. At Chem Family, we're dedicated to finding solutions that work for you. If you're considering refinancing or want to know more about eligibility options for our various loan products, don't hesitate to reach out. For more information or to speak with one of our friendly representatives, please contact us at 256-237-0651 or visit us at 702 Clydesdale Ave, Anniston AL 36201. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you achieve your financial dreams today!
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $313,527, make buying or refinancing simple. We offer flexible terms to help you navigate the process smoothly and make your dream of owning a home a reality.
Unsecured Credit Card Loans
For those looking for more flexibility in managing expenses, we also offer unsecured credit card loans. With a total of $0 in loans currently available, our credit cards can help you manage your finances effectively while providing benefits like rewards and low-interest rates.
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