Family Security Credit Union Cullman AL | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Family Security, your trusted financial partner right here in Cullman, Alabama! Established in 1953, we have proudly served our community for over six decades, growing into a robust credit union with a total membership of 88,846. Our branch, located at 811 2Nd Ave Nw, Cullman, AL 35055, is dedicated to providing personalized banking solutions that cater to your unique needs. At Family Security, we understand the importance of building strong relationships with our members. With total assets exceeding $964,947,655 and deposits totaling $197,363,758, we are committed to ensuring your financial well-being. Our team is led by CEO Shane Nobbley and Board President James Jeffreys, who prioritize transparency and service excellence. We employ 224 talented individuals who are ready to assist you every step of the way. While members can visit us at our Cullman branch for all their banking needs, official correspondence should be sent to our mailing address: 2204 Family Security Pl SW, Decatur, AL 35603. Our services range from personal banking including checking and savings accounts to auto loans and mortgage financing. Whether you're looking for a new vehicle loan or need assistance with debt consolidation, we've got you covered! With total loans at 44,547 and a net worth of $179,354,245, Family Security is not just a credit union; we are a community partner invested in your success. If you're ready to experience exceptional service and find out how we can help you achieve your financial goals, don't hesitate to reach out! Call us today at 256-340-2000 or visit our website at myfscu.com for more information. We look forward to welcoming you into the Family Security family!

Branch History & Mission

At Family Security, we take pride in our rich history and commitment to serving the Cullman community. Since opening our doors in 1953, we have evolved into a trusted financial institution dedicated to empowering our members with the tools they need for financial success. Located at 811 2Nd Ave Nw, Cullman, AL 35055, our branch has become a cornerstone of support for families and individuals alike. Over the years, Family Security has grown significantly, now boasting a membership of over 88,000 and total assets reaching an impressive $964,947,655. This growth reflects not just our success but the trust placed in us by the community we serve. Our headquarters is situated in Decatur, AL, where we continue to drive initiatives that foster financial well-being and community development. Our mission is straightforward yet powerful: to provide accessible financial services while enriching the lives of our members through community support and outreach. We believe that everyone deserves access to quality banking services without the barriers often found in traditional banks. By focusing on personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards, we ensure that every member has an opportunity to thrive financially. While members can visit us at 811 2Nd Ave Nw Cullman Al 35055, official correspondence should be sent to our mailing address: 2204 Family Security Pl SW, Decatur, AL 35603. Our operating hours are designed to accommodate your schedule; we're open Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 1:00 pm. Family Security is proud to offer convenient features like ATM availability and drive-thru banking for those who prefer quick service without compromising quality. We also participate in shared service centers to enhance accessibility for all members. Each initiative we launch is driven by our core values of integrity, service excellence, and commitment to community welfare. As we look ahead, Family Security remains dedicated to leveraging technology that enhances member experiences while ensuring ADA compliance and promoting customer-centered initiatives. Our partnerships within the community reflect our deep-rooted belief in giving back whether it's sponsoring local events or supporting educational programs. Join us at Family Security Credit Union and experience firsthand how we can help you achieve your financial goals while being part of a supportive community network. Whether you're looking for a new account or exploring loan options, we invite you to connect with us today at myfscu.com or call us at (256) 340-2000. Together, let's build a brighter financial future!

Branch Location & Accessibility

ATM and Drive-Thru Availability

Need cash quickly? Our branch has an ATM on-site for your convenience. Additionally, our drive-thru service allows you to complete basic transactions without leaving your car. Whether it's deposits or withdrawals, we've got you covered.

Operating Hours and Services

We want to make banking as straightforward as possible for you! Our lobby hours are Monday through Friday from 9:00 am to 5:00 pm, and on Saturdays, our drive-thru is open from 9:00 am until 1:00 pm. Whether you're looking to open a new account, apply for an auto loan, or simply make a deposit, we offer a wide range of services tailored just for you. You'll find everything from personal banking options such as checking and savings accounts to vehicle financing and mortgage loans. Plus, with convenient online and mobile banking solutions, managing your finances has never been easier!

Parking and Accessibility

At Family Security, we understand that accessibility matters. Our branch features ample parking available right at the entrance, making it easy for you to stop by. Additionally, we comply with ADA standards to ensure everyone can access our services comfortably. If you need assistance or have specific requirements, our friendly staff is always ready to help.

Visit Us Today!

We invite you to come see us at Family Security in Cullman! If you have any questions or would like more information about our services, feel free to call us at 256-340-2000. We look forward to helping you achieve your financial goals!

Member Eligibility

At Family Security, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is simple and welcoming! To become a member, you just need to meet a few friendly eligibility criteria. Primarily, if you live, work, or worship in Cullman County, or have a family member who's already a member, you're likely good to go! This means that whether you're looking for personalized banking services or competitive loan rates, Family Security is here to support your financial journey. The best part? The application process is straightforward. You can learn more about the specific eligibility requirements by visiting this page. If you're ready to open an account or have any questions, don't hesitate to call us at (256) 340-2000. We're excited to welcome you to our community at 811 2Nd Ave Nw Cullman Al 35055 and help you achieve your financial goals!

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 $9 in commercial loans for our members, helping businesses scale and succeed. - Additionally, 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 $1,044,986, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business smoothly without worrying about payment processing. Our merchant services do just that! They enable you to accept payments easily from customers, whether they prefer cash, cards, or digital wallets. This convenience can lead to increased sales and happier customers. Visit us at 811 2Nd Ave Nw Cullman Al 35055 in Cullman, AL, or call us at (256) 340-2000 to learn how our tailored solutions can make a difference for your business. Your success is our priority!

Comprehensive List Of Services

Business Banking Services

For small business owners, Family Security offers tailored solutions like Merchant Services & Business Loans to support your growth and operations. Our team understands that running a business comes with its challenges, and we're here to provide the financial tools you need to thrive.

Convenience at Your Fingertips

We know that life can be hectic. That's why we have made it easy for you to access banking services with our ATM availability for cash withdrawals and balance checks. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. For members of partner credit unions, our Basic Shared Branch Transactions let you conduct deposits and withdrawals seamlessly. This means greater flexibility no matter where you are in town. With features like Mobile Payments and the ability to send money through Person-to-Person transactions, managing your finances has never been easier.

Join Us Today!

Ready to experience all that Family Security has to offer? Stop by or give us a call at 256-340-2000 during our operating hours Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 1:00 pm. We invite you to explore how our comprehensive range of services can fit into your life today! For more information about becoming a member or accessing our services online, visit us at myfscu.com. We're excited to serve you!

Personal Banking Solutions

For those seeking everyday banking solutions, we offer Checking & Savings Accounts that make managing your finances straightforward. Imagine having access to your funds anytime with our Online & Mobile Banking features. With just a few taps on your smartphone, you can check balances, transfer money, and pay bills effortlessly. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options are designed to get you behind the wheel quickly and affordably. We also provide Mortgage Loans & Refinancing services, ensuring that your dream home is within reach. Need extra cash? Our Personal Loans & Debt Consolidation services can help simplify your finances by combining multiple debts into one manageable payment. Additionally, enjoy the benefits of our Credit Cards with Rewards, which allow you to earn points on your purchases perfect for rewarding yourself while managing your spending.

Digital & Online Banking

24/7 Access

Our commitment to accessibility means you can manage your finances 24/7 through our online banking services. This ensures you're never left out of the loop, whether it's day or night. You can easily authorize electronic signatures when needed, making document signing as hassle-free as possible. At Family Security, we're dedicated to enhancing your banking experience by offering tools that fit into your lifestyle. Embrace the convenience of digital banking today!

Security and Convenience

We prioritize your security while providing these services. Our systems are built with strong security measures to keep your information safe. Plus, our mobile application is available for download, ensuring you have access to all these features right at your fingertips. Whether you're making mobile payments or checking your e-statements which are readily available for members you'll enjoy peace of mind knowing that your transactions are secure.

Financial Strength

Commitment to Member Success

Our strong position is further supported by $178,728,882 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $18,850 in used auto loans and $448,580,659 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts stand at 152,309, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $437,603, further highlighting our ability to support you financially. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Family Security is your trusted partner. Visit us at 811 2Nd Ave Nw Cullman Al 35055 or call (256) 340-2000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our performance shows through our $4,778,824, reflecting our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 215 full-time employees and 9 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $102,423,587 in share certificates and $143,202,141 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.

Solid Financial Health

With a net worth of $179,354,245, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 18.57% 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 $265,657,613 in used vehicle loans and $25,559,741 in new vehicle loans already helping members get on the road. We provide financing options that suit both new and pre-owned vehicles, ensuring you're not only driving away happy but also making a smart financial decision.

Credit Lines and Refinancing Options

If you need additional flexibility in managing your finances, consider our credit lines totaling $52,000,000. These lines provide access to funds when you need them most. Additionally, if you're looking to refinance an existing loan or explore eligibility options for any of our products, our team is here to assist you. At Family Security, we prioritize understanding your unique needs while providing transparent information about our loan offerings. 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 visit us or check out our website at myfscu.com for more details on how we can help you secure your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $15,861,201, making buying or refinancing simple. Our team is ready to guide you through every step of the process so you can focus on what truly matters your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,970,742 in loans helping members manage their finances effectively. This option provides you with the freedom to make purchases without tying up your savings.

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 ensures that users receive fair and transparent offers when they compare loan options. By utilizing verified data from legitimate financial institutions, LendMesh guarantees that the information presented is both accurate and up-to-date.

FAMILY SECURITY CREDIT UNION - Cullman, AL

Type of Loan Offerings

Mortgage Loans

Student Loans

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Loan rates in Cullman, AL (35055)

Introduction

Branch History & Mission

Branch Location & Accessibility

ATM and Drive-Thru Availability

Operating Hours and Services

Parking and Accessibility

Visit Us Today!

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Services

Convenience at Your Fingertips

Join Us Today!

Personal Banking Solutions

Digital & Online Banking

24/7 Access

Security and Convenience

Financial Strength

Commitment to Member Success

Growing Member Base

Operational Efficiency

Secure Savings Opportunities

Solid Financial Health

Loan Offering

Auto Loans

Credit Lines and Refinancing Options

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

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