Jefferson Credit Union Hoover AL | Best Auto Loans & Mobile Banking

Introduction

Welcome to Jefferson Credit Union, your trusted partner in financial services right here in Hoover, AL. Since our establishment in 1941, we have been dedicated to serving our members with a strong commitment to community and personal service. Our branch, located at 5261 Ross Bridge Pkwy, Hoover, AL 35226, is not just a place for transactions it's a hub for building relationships and supporting your financial journey. At Jefferson Credit Union, we proudly serve over 6,885 members, providing a wide range of services that cater to your needs. With total assets reaching an impressive $82,907,439 and total deposits of $16,864,218, we ensure that your money is safe and sound. Our current net worth stands at $8,006,813, reflecting our stability and reliability in the ever-changing financial landscape. Under the leadership of our CEO, Richard Morris, and Board President, Johnathan Shorts, we are driven by the goal of making banking accessible and beneficial for everyone. Whether you're looking for auto loans (with over 5,851 loans currently available), mortgage options, or personal savings accounts, our team is here to guide you every step of the way. We understand the importance of convenience in today's busy world. That's why we offer online and mobile banking services alongside traditional banking options like ATMs and drive-thru service. We're also proud to have a friendly team of 19 employees ready to assist you during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. While members can visit us at 5261 Ross Bridge Pkwy, official correspondence should be sent to the same address. We invite you to explore how Jefferson Credit Union can make a positive difference in your financial life. For any inquiries or assistance, feel free to call us at 205-444-4528 or visit our website at Jefferson Credit Union. Your financial future starts here!

Branch History & Mission

Welcome to Jefferson Credit Union, a cornerstone of the Hoover community since 1941. Over the years, we have witnessed remarkable growth and transformation, evolving from a small local credit union into a trusted financial partner for nearly 6,885 members. With total assets amounting to $82907439, we are proud to serve our community with dedication and integrity. Located at 5261 Ross Bridge Pkwy in Hoover, AL 35226, our branch is easily accessible for all your banking needs. Whether you're stopping by for a quick transaction at our drive-thru or utilizing our ATM services, we're here to make banking convenient and straightforward. Our operating hours cater to your busy schedule: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to noon. At Jefferson Credit Union, our mission is clear: we aim to provide exceptional financial services while fostering a sense of community and support. We believe in empowering our members with tools that lead to financial well-being. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we strive to meet diverse financial needs. Our commitment extends beyond just transactions; we focus on building lasting relationships with our members. Throughout our journey, we've embraced innovation while ensuring accessibility for everyone. While we currently do not offer shared service centers, we continuously enhance our digital platforms. Members can enjoy online banking services that simplify managing finances from anywhere. Our connection with the community is essential. We actively engage in outreach programs and partnerships that uplift those around us. By investing in local initiatives and supporting various causes, we reinforce our dedication to making a positive impact. If you are looking for a credit union that values you as an individual and offers personalized service tailored to your unique financial goals, look no further than Jefferson Credit Union. Join us today and experience the benefits of being part of a community-focused institution where your success is our priority! For any inquiries or assistance, feel free to contact us at (205) 444-4528. We invite you to visit us at Jefferson Credit Union your trusted partner in navigating your financial journey!

Branch Location & Accessibility

Convenient Access

At Jefferson Credit Union, we understand that convenience matters. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and spacious parking to ensure everyone can visit us comfortably. If you prefer not to come inside, our drive-thru service is available for those quick deposits or withdrawals without leaving your car.

Flexible Hours for Your Schedule

We want to be here when you need us! Our lobby hours are open Monday through Thursday from 8:30 AM to 5:00 PM, Fridays until 6:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. This flexibility allows you to stop by at a time that works best for you.

Services Tailored for You

At Jefferson Credit Union, we pride ourselves on offering a wide range of services tailored to meet your needs whether it's personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages. Plus, with ATM availability right here at our branch, you can access cash anytime. For official correspondence, please note that while members can visit us at our physical location, all mail should be sent to the same address: 5261 Ross Bridge Pkwy, Hoover, AL 35226. Ready to explore what Jefferson Credit Union has to offer? Feel free to call us at 205-444-4528 or come by our branch today! We look forward to welcoming you into our community.

Member Eligibility

At Jefferson Credit Union, becoming a member means joining a warm and welcoming community that values your financial well-being. If you're looking to experience personalized service and a range of financial products, you'll be pleased to know that membership is open to individuals who live, work, or worship in the area. This means if you're in the vicinity of our branch at 5261 Ross Bridge Pkwy Hoover Al 35226, you're likely eligible! We strive to make the process easy for everyone, so whether you're opening your first account or looking for new financial opportunities, we're here to support you every step of the way. For detailed eligibility criteria, feel free to check out this resource. Once you've confirmed your eligibility, getting started is simple! You can open your account online by visiting this link or give us a call at (205) 444-4528 if you have any questions. We look forward to welcoming you into the Jefferson Credit Union family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Every successful business has a story, often starting with the right financial backing. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we are eager to assist you in finding the right solutions when you're ready to take that next step.

Practical Merchant Services

When it comes to managing cash flow, our merchant services can simplify your payment processes. Imagine having the ability to accept payments seamlessly from customers whether they prefer credit cards, mobile payments, or online transactions. This not only enhances customer satisfaction but also helps you keep your revenue flowing smoothly. If you're in Hoover, AL, visit us at 5261 Ross Bridge Pkwy Hoover Al 35226 or call us at (205) 444-4528 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Accessibility

For simple transactions, take advantage of our Basic Drive-Thru Banking, where you can handle deposits, withdrawals, and other quick tasks without leaving your car. Our ATMs also provide easy access for withdrawals and balance checks whenever you need them. At Jefferson Credit Union, we strive to make banking straightforward and accessible for everyone in the community. Whether you're managing personal finances or running a business, we have the right solutions tailored for you. Feel free to reach out at (205) 444-4528 or visit us at our branch in Hoover, AL. We look forward to serving you!

Business Banking

If you're a business owner, we've got you covered too! Our Business Banking services include essential tools like Merchant Services and tailored Business Loans to help your venture thrive. We know how important it is for businesses to have access to reliable financial support, and we are here to provide just that.

Digital Banking

In today's fast-paced world, managing your finances from anywhere is crucial. That's why we offer robust Online & Mobile Banking platforms that allow you to check balances, transfer funds, and pay bills all at your convenience. With features like ATM & Cash Withdrawal Services, accessing your money is easier than ever.

Personal Banking

When it comes to personal banking, we offer various options to help you manage your finances effectively. Whether you're looking to open a Checking or Savings Account for everyday transactions or saving for a future goal, our accounts come with features that make banking easy and accessible. Need a vehicle? Our Auto Loans & Vehicle Financing solutions can get you on the road quickly, often with competitive rates and flexible terms that fit your budget. If you're thinking about homeownership or refinancing, our Mortgage Loans & Refinancing options are crafted to guide you through the process smoothly. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation services provide the support you need without added stress. Plus, enjoy rewards with our Credit Cards, perfect for everyday purchases and earning back.

Digital & Online Banking

Key Features of Our Digital Banking

Our online banking service is available 24/7, allowing you to access your accounts whenever it suits you best. Whether you want to check your balance, transfer funds, or review transactions, everything is at your fingertips. Plus, our person-to-person transfer feature makes sending money to friends and family quick and hassle-free. For those who prefer mobile banking, our user-friendly mobile application is available for download. You can enjoy the same functionalities as our online banking but optimized for your smartphone. While we currently do not support mobile payments, our app still provides a secure way to manage your accounts on the go.

Security & Accessibility

We take your security seriously. Although we do not offer electronic signature authorization at this time, our systems are designed with top-notch safety measures to protect your personal information. Additionally, e-statements are available for those who wish to go paperless, providing an easy way to keep track of your finances without clutter. Managing your money has never been easier with the features available at Jefferson Credit Union. From real-time account management to easy transfers between accounts or to others, we've got you covered. Experience the ease of digital banking today by visiting https://jeffersoncreditunion.org/ we're here to help you every step of the way!

Financial Strength

Growing Community Trust

Total Share and Deposit Accounts: 13,193, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 reflect our dedication to maintaining robust resources for your benefit. 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 5261 Ross Bridge Pkwy Hoover Al 35226 or call (205) 444-4528 to learn more about how we can help you achieve your financial goals.

Member-Centric 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. 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.

Operational Efficiency

Our operational efficiency is highlighted by a $-46,299 that enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for 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. Our commitment to growth is reflected in our capacity to support various financial needs; with $868 in used auto loans and $42,978,818 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Strong Financial Health

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.

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 $13,618,173 in used vehicle loans and $1,131,382 in new vehicle loans to help our members get on the road. Whether it's a brand-new model or a reliable used vehicle, we can assist you in financing your next ride.

Credit Lines

Need extra cash for unexpected expenses? Our credit lines allow for easy access to funds when you need them most. With $3,000,000 available in total credit lines, you can borrow what you need without the hassle.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our experienced team can guide you through other mortgage solutions that fit your needs.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options for our various products, our dedicated staff is here to help. We're committed to finding solutions that work best for you. For more information on any of these loan products or to discuss how we can assist you further, don't hesitate to reach out! You can contact us at 205-444-4528, visit us at 5261 Ross Bridge Pkwy Hoover Al 35226, or check out our website at Jefferson Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 benefits designed to enhance your purchasing power while keeping your budget in check.

Loan Aggregator

How LendMesh Ensures Accurate Loan 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 means that every loan offer presented is based on accurate information, ensuring fair and transparent offers for consumers. LendMesh prioritizes transparency through several key features: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring users receive accurate and trustworthy information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly and efficiently.

User Trust and Testimonials

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JEFFERSON CREDIT UNION