Fort McClellan Credit Union Ohatchee AL | Best Auto Loans & Business Banking

Introduction

Welcome to Fort McClellan, your trusted partner in financial well-being, located at 7718 Al Highway 77, Ohatchee, AL 36271. Since our establishment in 1953, we've been committed to serving our community with personalized banking solutions that truly make a difference. With over 15,477 members, we pride ourselves on being more than just a credit union; we're a family dedicated to helping you achieve your financial goals. At Fort McClellan, we understand that each member has unique needs. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our total assets stand strong at an impressive $231,434,171, ensuring that we have the resources to support you effectively. Whether you're looking for a new vehicle or trying to consolidate debt, our total loans and leases amounting to 6907 are ready to assist you every step of the way. As a member-focused institution, our commitment goes beyond just numbers. We are proud to report total deposits of $21,189,972 and a net worth of $29,308,148, reflecting our stability and reliability in serving our members' financial needs. Additionally, with $2,317,272 in cash readily available, we can ensure quick access to funds when you need it most. Our dedicated team is led by CEO Angela Smith and Board President Allen Skelton, who both share a passion for community service and financial education. We employ 65 talented individuals who work tirelessly to provide top-notch service while fostering an environment of trust and transparency. While members can visit us at our branch location in Ohatchee, official correspondence should be sent to our mailing address: 1010 Golden Springs Road, Anniston, AL 36207. We invite you to explore what makes Fort McClellan special! Visit us online at fortmcclellancu.org or give us a call at 256-237-2113 during our operating hours from 8:30 A.M. to 5:00 P.M., Monday through Friday. Join us today and discover how we can help you build a brighter financial future!

Branch History & Mission

Community Engagement

At Fort McClellan, we are more than just a credit union; we're a part of the fabric of Calhoun County. Our commitment extends beyond financial transactions; we actively participate in local events and support various charitable organizations that enhance the quality of life for residents. Through partnerships and volunteer efforts, we work tirelessly to uplift our community. As you explore your banking options, consider joining us at Fort McClellan. Experience firsthand the benefits of membership where your financial goals become our mission. Together, let's build a stronger future for ourselves and our community. For more information about joining or services offered, visit us online at Fort McClellan or call us at 256-237-2113. We look forward to welcoming you!

Our Journey

From our humble beginnings, Fort McClellan has evolved into a cornerstone of financial support for families and businesses alike. We started with a simple mission: to provide accessible financial services that empower our members to achieve their dreams. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, and business banking solutions tailored to meet the diverse needs of our community. Located at 7718 Al Highway 77, our branch is easy to find. Just a stone's throw away from local landmarks such as Ohatchee High School and the scenic Coosa River, we are well-positioned to serve you. For official correspondence, please send your mail to 1010 Golden Springs Road, Anniston, AL 36207.

Our Mission

Our mission is clear: we strive to provide exceptional financial services while fostering a sense of community among our members. We believe that everyone deserves access to reliable banking options and guidance on their financial journeys. Whether it's through personalized service or community outreach initiatives, we aim to make a positive impact in every life we touch. We understand that convenience matters in today's world. That's why Fort McClellan offers modern digital solutions like online banking and mobile payments alongside traditional services such as ATM access and drive-thru banking. We are dedicated to ensuring accessibility for all members, including those with disabilities.

Branch Location & Accessibility

Welcome to Fort Mcclellan, your friendly neighborhood credit union located at 7718 Al Highway 77 in Ohatchee, Alabama. We take pride in offering a convenient banking experience right in the heart of Calhoun County. Whether you're heading to work or running errands, our branch is easily accessible and just a short drive from local landmarks like the Ohatchee High School and the scenic Coosa River. At Fort Mcclellan, we understand the importance of accessibility. Our location features ample parking and ADA-compliant facilities, ensuring that all members can visit us comfortably. Plus, if you prefer to handle transactions without leaving your vehicle, our drive-thru service makes banking quick and easy. We're open Monday through Friday from 8:30 A.M. to 5:00 P.M., ready to assist you with a range of services including checking and savings accounts, auto loans, mortgages, and personal loans. If you need cash on the go, you'll be pleased to know we have an ATM available for your convenience. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 1010 Golden Springs Road, Anniston, AL 36207. Have questions or need assistance? Don't hesitate to give us a call at 256-237-2113. We look forward to welcoming you soon!

Member Eligibility

At Fort Mcclellan, we believe that joining our credit union is like becoming part of a family dedicated to your financial well-being. If you live, work, or worship in Calhoun County, you are already on the path to membership! We welcome individuals from various backgrounds and circumstances, making it easy for you to enjoy the benefits of being a member. Plus, once you're with us, you'll gain access to a range of services designed just for you, from personal banking options to competitive loan rates. Opening an account is a breeze! You can get started right away by visiting us at 7718 Al Highway 77 Ohatchee Al 36271 or calling us at (256) 237-2113 for more details. For a comprehensive overview of eligibility requirements and to stay updated, check out our resource at https://www.fortmcclellancu.org/membership/ . Once you're ready to join us, simply follow the steps outlined here: https://fortmcclellancu-dn.financial-net.com/web/enrollment/ . We're excited to welcome you into our community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. Imagine a small café looking to expand its seating area or a startup needing equipment for their new venture. Our loans can help turn these dreams into reality by offering the necessary capital at competitive rates.

Merchant Services

In addition to our loan offerings, we provide essential merchant services that simplify day-to-day operations. Whether you're processing payments or managing cash flow, our tools are designed to make transactions smooth and efficient. Picture a busy retail shop being able to accept payments seamlessly through various platforms this not only enhances customer satisfaction but also improves overall efficiency. At Fort Mcclellan, we believe that when businesses thrive, communities prosper. Reach out today to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our business banking solutions include merchant services and business loans. We know how important it is to have reliable financial support when running a business. Our dedicated team is ready to assist you in finding the right solutions that align with your business goals.

Convenient Access

We prioritize convenience in all aspects of banking. Our ATM services allow for easy cash withdrawals and balance checks without stepping into the branch. Additionally, our drive-thru service makes simple transactions quick and accessible for those on the go.

Loans and Financing

If you're considering buying a new car or refinancing your home, Fort Mcclellan offers competitive auto loans and mortgage options tailored to fit your situation. Our personal loans are also available for those who may need debt consolidation or financing for unexpected expenses. With our credit cards featuring rewards programs, you can earn benefits while making purchases.

Personal Banking

For those looking to manage day-to-day finances, we provide a variety of personal banking options, including checking and savings accounts. Whether you're saving for a big purchase or simply managing everyday expenses, our accounts come with features designed to make banking easier for you. Plus, with our online and mobile banking services, you can check your balance, transfer funds, and pay bills anytime, anywhere.

Why Choose Us?

At Fort Mcclellan, we believe in creating lasting relationships with our members. Our warm and knowledgeable staff is always ready to help answer any questions you may have about our services. Plus, with operating hours from 8:30 A.M. - 5:00 P.M., Monday through Friday, we strive to accommodate your busy schedule. Whether you're looking for personal banking options or business solutions, Fort Mcclellan has you covered. If you're ready to take the next step toward achieving your financial goals or just want more information about our services, don't hesitate to reach out! Call us at 256-237-2113 or visit us online at www.fortmcclellancu.org. Join us today and experience the benefits of being part of a community-focused credit union!

Digital & Online Banking

Convenient Features

Our online banking service provides you with 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills right from your computer or mobile device. We also offer e-statements for those who prefer to go paperless, making it simple to keep track of your financial history while doing your part for the environment. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure.

Mobile Options

For added convenience, our members can enjoy mobile payments through compatible apps. This feature makes it easy to make purchases directly from your smartphone without the need for cash or cards. While we currently don't have a dedicated mobile application, our website is fully optimized for mobile use, ensuring that you have a smooth experience whether you're on a tablet or smartphone.

Secure Transactions

Security is our top priority. With person-to-person transfers available, you can send money to friends and family safely and quickly without any hassle. Our systems are built with robust security measures so you can bank with peace of mind. At Fort Mcclellan, we strive to provide accessible and user-friendly digital banking services that fit your lifestyle. Whether you need to check your account balance late at night or send money across town in an instant, we've got you covered!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 28,041, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments): $526,082 highlight our ability to provide necessary funds for your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Fort Mcclellan is your trusted partner. Visit us at 7718 Al Highway 77 Ohatchee Al 36271 or call (256) 237-2113 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

Members' savings are secured through $58,189,551 in share certificates, 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 $29,308,148, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,266 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Lending Capacity

With $29,652,899 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $2,301 in used auto loans and $100,133,705 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $-485,394, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 63 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

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 issued over $36,445,173 in used vehicle loans and $6,622,615 in new vehicle loans, helping members get on the road with confidence. We also provide refinancing options for those looking to lower their monthly payments or secure better terms on their existing loans.

Credit Lines

For those who need ongoing access to funds, we have total credit lines amounting to $37,826,676. This product can provide peace of mind knowing that you have ready access to cash when needed. If you're interested in any of these loan options or want to explore eligibility criteria and refinancing opportunities further, please reach out to us at 256-237-2113 or visit us at our branch located at 7718 Al Highway 77 Ohatchee Al 36271. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Fort Mcclellan can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $942,707. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. That's why we offer flexible terms on unsecured credit card loans, with a total of $2,841,539 in loans available to our members. These cards can help you cover unexpected expenses or manage daily purchases without added stress.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and accuracy, LendMesh is designed to help users navigate the complexities of loan options easily. LendMesh ensures accurate loan comparisons through its commitment to sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. The information is based on the latest results (Source: https://www.ncua.gov ), ensuring that users receive fair and transparent offers. This rigorous approach means you can trust the figures displayed on LendMesh. One of the standout features of LendMesh is its dedication to providing verified data. Loan offers are sourced exclusively from legitimate financial institutions, which helps build trust among users. Additionally, there are no sponsored listings on the platform; lenders are not prioritized based on paid promotions. This means every user receives unbiased results tailored to their needs. With real-time rate comparisons available from multiple institutions, LendMesh empowers users to make informed decisions. Whether you're looking for a mortgage, auto loan, or personal loan, having access to up-to-date rates makes all the difference in securing the best possible deal. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight how effective and reliable LendMesh can be for anyone seeking a better loan option. Compare real-time loan offers today at LendMesh and find the best rates for 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.*

FORT MCCLELLAN CREDIT UNION - Ohatchee, AL