Kinetic Credit Union Phenix City AL | Best Auto Loans & Business Banking

Introduction

At Kinetic, we believe in building strong relationships with our community. Located at 3722 Us Highway 431 N, Phenix City, AL 36867, our branch has been serving members since 1956. With a total membership of 45,664 and assets exceeding $567 million, we are committed to providing personalized financial solutions tailored to meet your needs. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: PO Box 9818, Columbus, GA 31908-0818. Under the leadership of CEO Mark Littleton and Board President Willie Varner, Kinetic has cultivated a reputation for trust and reliability. Our dedicated team of 123 employees is here to assist you every step of the way, whether you're looking for personal banking services like checking and savings accounts or exploring options for auto loans and mortgage refinancing. With total deposits amounting to $62,835,348 and net worth standing at $83,306,529, our financial health reflects our commitment to you. We also maintain a robust cash position of $18,185,576, ensuring that we can meet your financial needs promptly. We invite you to explore what makes Kinetic unique. Visit us during our lobby hours from Monday to Friday between 9:30 a.m. and 5:00 p.m., or stop by on Saturday from 9:00 a.m. to 12 noon at our drive-thru for quick service. If you have any questions or need assistance, don't hesitate to call us at 706-320-8500. Let's work together towards a brighter financial future!

Branch History & Mission

Community Commitment

At Kinetic, we believe in giving back to the community that supports us. Our outreach programs focus on financial literacy, supporting local charities, and partnering with organizations that share our values. We are dedicated to being more than just a financial institution; we want to be a partner in your journey toward financial well-being. Our drive-thru service makes banking convenient for those on the go, while lobby hours from Monday to Friday allow for personal interactions with our friendly staff. If you need assistance outside these hours or prefer online transactions, we've got you covered with mobile applications and e-statements. While members can visit us at 3722 Us Highway 431 N for their banking needs, official correspondence should be sent to PO Box 9818, Columbus, GA 31908-0818.

Join Us

As we continue on this journey together, we invite you to become part of the Kinetic family. Experience firsthand how we can help you achieve your financial goals while also making a difference in the community. Visit us today or explore more about membership benefits at kineticCU.com. Together, let's build a brighter financial future!

Our Story

From our humble beginnings, Kinetic has always prioritized the needs of our members and the broader community. The mission has remained clear: to provide exceptional financial services while fostering a sense of belonging and support among all members. As we expanded our services from personal banking to business loans we never lost sight of our commitment to making a positive impact on the lives we serve. Our branch plays an essential role in Phenix City by offering a variety of services tailored to meet the unique needs of individuals and families. Whether it's through checking and savings accounts, auto loans, or mortgages, Kinetic aims to empower our members financially. We also take pride in providing innovative digital banking solutions that ensure accessibility for everyone. With features like online banking, mobile payments, and ATMs available at our branch, managing your finances has never been easier.

Branch Location & Accessibility

Accessibility and Features

At Kinetic, we understand that accessibility matters. Our branch is equipped with features that ensure everyone can easily access our services. We offer ample parking right outside the building, making it hassle-free to visit us. Additionally, our facility complies with ADA standards, ensuring ramps and other necessary accommodations are available. You can enjoy the convenience of our drive-thru banking services, open Monday through Saturday. Whether you're making a quick deposit or withdrawing cash, we aim to make your experience smooth and efficient.

Operating Hours

We're here for you during our lobby hours from Monday to Friday, 9:30 a.m. to 5:00 p.m., and on Saturdays from 9 a.m. to 12 noon for drive-thru service. This means you can find time in your busy schedule to manage your banking needs without any pressure.

Services Offered

Kinetic offers a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we've got you covered! Plus, with our ATM availability on-site, you can access cash whenever you need it. While members can visit us at our branch address for all your banking needs, official correspondence should be sent to PO Box 9818 in Columbus, GA. If you're looking for a credit union that values accessibility and community connection, look no further than Kinetic! Feel free to give us a call at 706-320-8500 or visit us today we're excited to help you reach your financial goals!

Member Eligibility

At Kinetic, we believe that becoming a member is like joining a family that truly cares about your financial journey. If you're looking to open an account with us, you'll be pleased to know that our membership is open to anyone who lives, works, worships, or attends school in the area. This means whether you're a local resident or just passing through, you can access our fantastic range of services designed just for you. To learn more about the specific eligibility criteria and see if you qualify, feel free to check out this link: Membership Eligibility. Getting started is easy! Simply visit us at 3722 Us Highway 431 N Phenix City Al 36867, or give us a call at (706) 320-8500 for any questions. We can't wait to welcome you into our community and help you take the next step toward achieving your financial goals. For those ready to open an account today, head over to Open Account for all the details on how to join. Your journey starts here!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having the power to process payments quickly and securely while focusing on what you do best running your business. Our merchant services offer practical solutions that streamline payment processing, making it easier for you to serve your customers and grow your sales. Located at 3722 Us Highway 431 N Phenix City Al 36867 in Phenix City, AL, we're more than just a bank; we're your partner in success. Let's work together to turn your business aspirations into reality. For inquiries, call us at (706) 320-8500 or visit us online at https://www.kineticCU.com.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $79 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $27,148,344, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

If you run a business, you'll find our business banking services invaluable. We offer everything from merchant services that simplify payment processing to business loans designed to help your company grow and succeed.

Credit Cards and Rewards

For those who love rewards, our credit cards come with enticing benefits that let you earn points for every dollar spent. This way, your everyday purchases can lead to exciting rewards!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. You can manage your accounts from anywhere at any time whether you're paying bills, transferring money, or checking your balance. Plus, with our ATM and cash withdrawal services available around the clock, accessing your funds has never been easier.

Drive-Thru & ATM Services

For those who prefer face-to-face interactions but need quick service, our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your car. Our ATMs also support basic access for withdrawals and balance checks whenever you need them. At Kinetic, we understand that life can be busy. That's why we're here to support all your financial needs in one place. Our friendly staff is always ready to assist you during our operating hours: Monday through Friday from 9:30 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 12 noon (with extended drive-thru hours). If you're interested in learning more about how we can serve you better or if you're ready to open an account, give us a call at (706) 320-8500, or visit us at Kinetic CU. Join us today and discover the difference personalized banking can make!

Personal Banking

When it comes to personal banking, we offer various options designed to help you manage your finances effectively. From checking and savings accounts that suit different lifestyles, to auto loans and vehicle financing, we have the right tools for your journey. If you're planning on buying a home or refinancing an existing mortgage, our mortgage loans provide competitive rates and flexible terms that can fit any budget. Need extra cash? Our personal loans and debt consolidation options can help you get back on track without breaking the bank.

Digital & Online Banking

Key Features

Our online banking platform allows you to view account balances, transfer funds, and pay bills all from the comfort of your home or on the go. You can easily access e-statements, which are not only environmentally friendly but also help you stay organized without the clutter of paper statements. Plus, for those who love using their mobile devices, our mobile application ensures that banking is just a tap away.

Security and Convenience

Security is a top priority for us. While we don't currently offer electronic signature authorization, we have implemented strong safeguards to ensure that your personal information remains protected. Our mobile payments feature allows you to make purchases directly from your phone, making transactions quick and easy. And if you ever need to send money to friends or family, our person-to-person transfer option makes it simple and fast. Whether you're checking your balance during lunch or paying a bill late at night, our user-friendly interface provides real-time access to your accounts. At Kinetic, we're committed to making your banking experience as smooth as possible so that you can focus on what truly matters in life. Discover all these features and more by visiting us online at https://www.kineticCU.com today!

Financial Strength

At Kinetic, 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 understand that trust is built through transparency and reliability, which is why we are proud to share our financial strengths with you. With a net worth of $83,306,529, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1461 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $129,059,161 in share certificates and $105,582,550 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. With $70,240,507 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; we have $7,851 in used auto loans and a total of $427,545,859 in loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 121 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $5,557,299. Total Share Accounts: 82,034, showing a strong and growing member base that trusts us with their finances. We invite you to experience the benefits of being a member at Kinetic. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kinetic is your trusted partner. Visit us at 3722 Us Highway 431 N Phenix City AL 36867 or call us at 706-320-8500 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

At Kinetic, we understand that financial needs can vary widely, whether you're looking to purchase a new vehicle, buy your first home, or manage expenses with a credit card. Our diverse loan products are designed to help you meet your goals efficiently and effectively. With over 27,037 loans issued, we've helped thousands of members achieve their financial goals. If you're thinking about buying a car, our auto loans offer some of the lowest rates in the industry. We have already issued over $177,773,461 in used vehicle loans and $128,951,657 in new vehicle loans to help members get on the road. For those interested in homeownership, our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $9,139,465, providing a solid pathway toward owning your dream home. Additionally, if you're looking for flexibility in managing your finances, consider our unsecured credit card loans. We provide total support with $15,426,579 in loans available to assist members in managing their everyday expenses. Business owners can also benefit from our outstanding commercial loans totaling $27,148,344, which are designed to provide the capital needed for growth and expansion. At Kinetic, we know that life is full of unexpected moments, and having the right financial support can make all the difference. That's why we also offer refinancing options to ensure that you can adapt your borrowing to fit your current situation. To learn more about our loan offerings or to discuss eligibility options, feel free to reach out at (706) 320-8500 or visit us at 3722 Us Highway 431 N Phenix City Al 36867, Phenix City, AL. You can also explore additional details on our website: https://www.kineticCU.com. 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 take the next step towards achieving your financial aspirations!

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KINETIC FEDERAL CREDIT UNION - Phenix City, AL

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