Jefferson Credit Union Birmingham AL | Best Auto Loans & Business Banking

Introduction

Welcome to Jefferson Credit Union, your trusted financial partner located at 716 Richard Arrington Jr Blvd N, Birmingham, AL 35203. Established in 1941, we have proudly served our community for over 80 years, growing alongside our valued members. With a total membership of 6,885 and assets exceeding $82.9 million, we are dedicated to providing personalized services that meet the unique needs of our members. At Jefferson Credit Union, we understand that banking is about more than just numbers; it's about building relationships. Our team, led by CEO Richard Morris and Board President Johnathan Shorts, is committed to ensuring you feel at home every time you visit us. Our knowledgeable staff of 19 employees is here to help guide you through your financial journey, whether you're looking for a new auto loan or assistance with personal banking. We take pride in our community impact. With total deposits of $16.9 million and loans issued totaling 5,851, we're not just a bank; we're an integral part of Birmingham's financial landscape. Our mission is to empower individuals and families to achieve their financial goals while maintaining the highest standards of trust and reliability. While members can visit us at our branch location, official correspondence should be sent to the same address: 716 Richard Arrington Jr Blvd N, Birmingham, AL 35203. If you have any questions or need assistance, don't hesitate to reach out! You can call us at 205-444-4528 during our operating hours from 8 AM - 5 PM, Monday through Friday. Ready to take the next step in your financial journey? Visit our website at Jefferson Credit Union today! We look forward to serving you and helping you thrive in your financial endeavors.

Branch History & Mission

Community Focus

We believe in giving back to the community that has supported us throughout our history. Through various outreach programs and partnerships with local organizations, we aim to create a positive impact in Birmingham. Our efforts not only enhance the lives of our members but also strengthen the bonds within our community.

Join Us

As we look toward the future, we invite you to be part of the Jefferson Credit Union family. Experience firsthand how we can help you achieve your financial goals while supporting one another as a community. If you're interested in becoming a member or learning more about what we offer, please visit our website or give us a call at 205-444-4528. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, Jefferson Credit Union has grown significantly over the years. We have weathered economic storms and celebrated community milestones, all while keeping the needs of our members at the forefront of what we do. The credit union's mission is rooted in a strong belief that everyone deserves access to affordable financial services. Our dedicated team works tirelessly to ensure that we meet this goal every day. While visiting us at 716 Richard Arrington Jr Blvd N, you'll find convenient access to our ATM services. Unfortunately, we do not offer drive-thru banking or shared service centers, but our friendly staff is always ready to assist you during our operating hours from 8 AM to 5 PM, Monday through Friday.

Our Mission

At Jefferson Credit Union, our mission goes beyond just offering loans and accounts; it's about empowering individuals and families in Birmingham. We provide a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. We strive to foster financial literacy and support community initiatives that uplift those around us. Our commitment to our members includes embracing digital advancements for easier access to banking services. With online banking and mobile applications available, managing your finances has never been simpler.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch is equipped with features such as ramps and ADA-compliant facilities to ensure everyone can bank with ease. We also offer ample parking nearby so you can visit without any hassle.

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 205-444-4528. Our friendly team is ready to help you navigate your financial journey. We invite you to come visit Jefferson Credit Union today!

Operating Hours

Our doors are open Monday through Friday from 8 AM to 5 PM, allowing you plenty of time to come in and discuss your financial goals or take care of your banking needs. Whether you're interested in personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, we're here for you during these hours.

Services Offered

You can expect a variety of services tailored just for you, including personal loans, credit cards with rewards, business banking options, and online banking capabilities. Plus, we have an ATM available for your convenience, although we do not currently offer drive-thru service or shared service center access.

Member Eligibility

Becoming a member of Jefferson Credit Union is like joining a close-knit family that truly cares about your financial well-being. If you live, work, or worship in the Birmingham area, you're already on the path to membership! We welcome individuals from various backgrounds and professions, ensuring that everyone can take advantage of our supportive services. To learn more about who qualifies, feel free to check out the detailed eligibility criteria at https://jeffersoncreditunion.org/info-center/membership/. Opening an account with us is simple and straightforward. Just visit our account opening page at https://loans.itsme247.com/807/home/start and you'll find everything you need to get started. If you have any questions or need assistance, don't hesitate to call us at (205) 444-4528. We're here to help you every step of the way as you join our vibrant community at Jefferson Credit Union, located at 716 Richard Arrington Jr Blvd N Birmingham Al 35203. Your journey towards better banking begins here!

Business Banking & Commercial Services

Financing Your 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 Made Easy

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine quickly processing customer payments with ease, allowing you to focus more on what matters most growing your company. Whether you're a local shop or an online store, our services make managing your finances straightforward and efficient. Located at 716 Richard Arrington Jr Blvd N Birmingham Al 35203 in Birmingham, AL, our team is ready to assist you in navigating your business banking needs. Call us at (205) 444-4528 or visit us today to discover how we can support your journey toward success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATM services provide quick access to your money with basic functions like withdrawals and balance checks. With locations available throughout the community, accessing cash has never been easier. At Jefferson Credit Union, we pride ourselves on being more than just a financial institution; we are a supportive partner in achieving your financial goals. If you're ready to take the next step or have any questions about our services, don't hesitate to reach out! You can contact us at (205) 444-4528 or visit us online at https://jeffersoncreditunion.org/. We're excited to help you thrive financially!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing solutions make it easy to get behind the wheel without breaking the bank. With competitive rates and flexible terms, you can drive off knowing you're making a smart financial choice.

Business Banking

For local entrepreneurs and businesses, we offer tailored business banking solutions including merchant services and business loans. We understand the unique challenges businesses face, and we're committed to supporting your growth with flexible financial options.

Credit Cards with Rewards

With our credit cards offering rewards, every purchase can bring you closer to something special. Enjoy benefits like cash back or points that can be redeemed for exciting rewards, all while managing your spending responsibly.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans. Whether you're buying your first home or looking to refinance your current mortgage, our experts will guide you through the process. We'll help you find the right solution that suits your budget and goals.

Online & Mobile Banking

In today's fast-paced world, convenience matters. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. Whether you're checking balances or transferring funds on-the-go, we've made banking accessible for you.

Personal Banking

For those looking to manage their day-to-day finances, our personal banking services offer checking and savings accounts designed for convenience. Whether you're saving for a big purchase or simply need a reliable account for everyday transactions, we have options that fit your lifestyle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans, you can tackle them head-on. If you're feeling overwhelmed by debt, consider our debt consolidation options to simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Key Features

Our online banking platform provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds in real time. Whether you're at home or on the go, our user-friendly interface makes it simple to stay on top of your financial health. One of the standout features is our Person-to-Person Transfers, which lets you send money quickly and easily to friends and family without needing cash or checks. Plus, if you're looking for a paperless option, our E-Statements provide a secure way to receive your account statements directly in your inbox no more waiting for mail!

Mobile Banking Made Easy

For those who prefer managing their accounts on the go, our mobile application is available for download. Even though we don't support mobile payments yet, the app allows you to perform essential banking tasks such as checking balances and making transfers effortlessly. In summary, Jefferson Credit Union offers a suite of digital banking services designed with you in mind. Enjoy the flexibility of online banking combined with strong security measures and easy-to-use features. Join us today and experience a new level of convenience in managing your finances!

Security You Can Trust

We prioritize the safety of your information with robust security measures in place. While we currently do not offer electronic signature authorization for documents, rest assured that all transactions through our online platform are protected with advanced encryption technology.

Financial Strength

Committed Team

We also take pride in having 18 full-time employees and 1 part-time employees who are dedicated to providing exceptional service. Our knowledgeable team is always ready to assist you with your banking needs.

Focused on 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. We believe that every dollar should work for our members.

Growing Membership Base

Total Share and Deposit Accounts: 13,193, showing a strong and growing member base that trusts us with their finances. This trust strengthens our community and enhances our ability to serve each member effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Jefferson Credit Union is your trusted partner. Visit us at 716 Richard Arrington Jr Blvd N Birmingham Al 35203 or call (205) 444-4528 to learn more about how we can help you achieve your financial goals.

Reinvestment in Growth

With $8,053,112 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This allows us to adapt and grow alongside you.

Secure Savings

Members' savings are secured through $20,728,603 in share certificates and $3,050,506 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your funds reflects our dedication to your financial well-being.

Solid Foundation

With a net worth of $8,006,813, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $966 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 Goals

Our lending capacity supports members' financial goals across various sectors with $868 in used auto loans and $42,978,818 in total loans and leases. Whether you're purchasing a vehicle or financing a new project, we're here to help.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,618,173 in used vehicle loans and $1,131,382 in new vehicle loans already helping members get on the road. Whether you're buying a brand-new ride or a reliable used vehicle, our financing options can make it happen.

Credit Lines

Need a little extra cash for unexpected expenses? Our total credit lines available amount to $3,000,000, providing you with immediate access to funds when life throws surprises your way. At Jefferson Credit Union, we're dedicated to making borrowing easy and accessible. We encourage you to explore refinancing options if you're looking for better rates on existing loans or want to consolidate debt into one manageable payment. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan offerings or to find out about eligibility requirements, visit our website at jeffersoncreditunion.org or contact us directly. Join us today and take the first step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we are committed to providing valuable resources and guidance throughout your journey.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $698,298 in loans helping members manage their finances effectively. Our credit cards come with rewards and features designed to fit your lifestyle while giving you the flexibility you need.

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