L&N Employees Credit Union Birmingham AL | Affordable Auto Loans & Business Banking

Introduction

At L & N Credit Union, we believe that financial success is built on trust, community, and support. Established in 1952, our branch located at 4101 Vanderbilt Rd, Birmingham, AL 35217 has been a cornerstone for the local community, serving over 1,435 members with dedication and care. Our commitment to fostering strong relationships with our members is reflected in our robust financial health, boasting total assets of $8,335,011 and total deposits of $669,770. While you can visit us at our Birmingham location for all your banking needs, official correspondence should be sent to the same address. Our friendly team is here to assist you from 8:30 AM to 5:00 PM, Monday through Friday. Whether you're looking for personal banking solutions like checking and savings accounts or auto loans and mortgages, we have a variety of services tailored just for you. Under the leadership of our CEO, Michelle Cooper, and Board President Earnest Long Sr, L & N Credit Union continues to strive for excellence while prioritizing the needs of our members. With a net worth of $1,793,843 and cash in hand totaling $159,414, we are well-equipped to provide quality service and competitive rates. Explore how we can help you achieve your financial goals today! For more information or to speak with one of our knowledgeable staff members, feel free to call us at (205) 841-2544. We look forward to being your trusted partner in all things finance!

Branch History & Mission

Commitment to Community

L&N Employees takes pride in its active role in community outreach and partnerships. We understand that supporting our members goes beyond just financial transactions; it's about building relationships and contributing positively to Birmingham. Our drive-thru banking service offers convenience for those on the go, while our commitment to ADA compliance ensures that all members can access our services with ease. With no ATMs on-site but a wealth of online services including online banking and mobile applications we're focused on making banking easier for you. We also offer personal assistance through phone support at 205-841-2544. As we look toward the future, L&N Employees remains committed to innovation while staying true to our roots. We invite you to join us on this journey of growth and community engagement. Experience firsthand what it means to be part of a credit union that truly cares about its members. Join us today at L&N Employees where your financial future meets community spirit!

Our Mission

At L&N Employees, our mission is simple yet powerful: to empower our members through accessible and personalized financial services while strengthening the community we love. We strive to provide a range of products tailored to meet your needs whether you are looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards. We believe that financial services should not only be effective but also foster growth and stability within our community. While members can visit us at 4101 Vanderbilt Rd, official correspondence should be sent to the same address as we aim to maintain clear and open communication channels. Our operating hours are from 8:30 AM to 5:00 PM, Monday through Friday, ensuring that we're available when you need us most.

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Don't hesitate to give us a call at 205-841-2544. We're excited to welcome you into our branch! While you can visit us at 4101 Vanderbilt Rd for all your banking needs, please note that any official correspondence should be sent to the same address. We look forward to serving you soon!

Nearby Landmarks and Accessibility

Situated just a stone's throw from popular local spots, L&N Employees is easily accessible. If you're in the area visiting the nearby parks or running errands in downtown Birmingham, we're right around the corner. Our branch features ample parking and is equipped with ADA-compliant facilities to ensure everyone can visit comfortably.

Operating Hours and Services

We know your time is valuable! That's why we're open Monday through Friday from 8:30 AM to 5:00 PM, making it easy for you to drop by when it suits you best. With our drive-thru service available, you can complete simple transactions without leaving your car perfect for busy days! At L&N Employees, we offer a wide range of services tailored to fit your financial needs. From checking and savings accounts to auto loans and personal loans, our experienced team is ready to guide you. Although we do not have ATM services on-site, our drive-thru is designed for quick deposits and withdrawals.

Member Eligibility

At L&n Employees, we believe that becoming a member is like joining a caring family that supports your financial journey. If you're looking to join us at our welcoming branch located at 4101 Vanderbilt Rd Birmingham Al 35217, you might be wondering how to get started. Membership is open to anyone who works for, is an immediate family member of someone who works for, or is part of specific organizations and groups we partner with. This means that if you have a connection to our community, you're likely eligible to enjoy all the benefits we offer. For the most up-to-date details on eligibility, feel free to check out this resource: . Joining L&n Employees comes with fantastic advantages, including personalized service, competitive rates on loans and savings accounts, and access to various financial products tailored just for you. Opening an account is simple! Just give us a call at (205) 841-2544 or visit us during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. We're here to help make your membership experience smooth and enjoyable!

Business Banking & Commercial Services

Lending Solutions for 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 That Empower

In addition to loans, we offer merchant services that make day-to-day operations smoother. Imagine having the ability to process payments easily, manage transactions securely, and gain insights into your sales all from one platform. This is what we provide, allowing you to focus more on what you do best: running your business. Whether you're just starting out or looking to expand, L&n Employees is here to partner with you every step of the way. Reach out today at (205) 841-2544 and explore how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support local enterprises in achieving their financial goals. We recognize the hard work that goes into running a business and aim to provide tools that ease your financial burdens.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms so you can manage your accounts from anywhere at any time. With features like person-to-person payments, checking balances, transferring funds, and more all at your fingertips banking has never been easier.

Get Started Today!

Ready to take advantage of all the services we offer? Whether you're looking for personal banking solutions or business support, L&n Employees is here for you every step of the way. Don't hesitate to reach out at (205) 841-2544 or visit us at 4101 Vanderbilt Rd Birmingham Al 35217 in Birmingham, AL. Explore how we can help you achieve your financial dreams! For more information about our offerings, visit us online at L & N Credit Union.

In-Person Banking

While digital solutions are essential, sometimes you need personal assistance. At L&n Employees, we provide basic drive-thru banking for deposits, withdrawals, and simple transactions. Our friendly staff is here during lobby hours from 8:30 AM to 5:00 PM Monday through Friday to assist with any questions or needs you may have.

Personal Banking Solutions

Our personal banking services are designed with you in mind. With options like checking and savings accounts, we make it easy for you to manage your day-to-day finances while saving for future goals. If you're considering buying a vehicle, our auto loans and vehicle financing options provide competitive rates to help you get behind the wheel without breaking the bank. Additionally, our mortgage loans and refinancing services allow you to find a home that suits your lifestyle while ensuring your monthly payments fit comfortably within your budget. For those unexpected expenses or projects, consider our personal loans and debt consolidation solutions. We understand that life can throw curveballs, and having access to funds when needed can make all the difference. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases, making each transaction more rewarding.

Digital & Online Banking

Key Features

We know that security is a top priority for our members. Our online platform employs robust security measures to protect your information while you manage your accounts. Plus, with the ability to opt for e-statements, you'll enjoy quick access to your financial documents without the clutter of paper. Need to send money to friends or family? Our person-to-person transfer feature allows you to do just that with ease. Simply enter their details and send money instantly no need for cash or checks! While we currently don't offer mobile payments, our other features provide plenty of ways to stay connected with your finances.

User-Friendly Experience

At L&n Employees, we believe that banking should be straightforward and stress-free. Our online services are designed with you in mind easy navigation means you can find what you need quickly. Even if you're not tech-savvy, you'll find our digital banking tools intuitive and accessible. With these features combined, managing your finances becomes a breeze. Explore all that L&n Employees has to offer and take control of your banking experience today!

Financial Strength

Growing Member Base

Total Share Accounts stand at 1,532, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $33,645, highlighting our ability to provide valuable services tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, L&n Employees is your trusted partner. Visit us at 4101 Vanderbilt Rd Birmingham Al 35217 or call (205) 841-2544 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Your Benefit

With $1,793,843 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 $109 in used auto loans and $5,092,040 in total loans and leases, we support members' financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $1,603,298 in share certificates and $731,170 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $1,793,843, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,152 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 $1,473,661 in used vehicle loans and $858,885 in new vehicle loans already helping members get on the road. Whether it's a new or used vehicle, we aim to make financing simple and straightforward.

Business Loans

For business owners, our outstanding commercial loans provide the capital needed to grow and expand your business. While we currently have no outstanding commercial loans available, feel free to inquire about future opportunities that may support your entrepreneurial dreams.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $128,328, make buying or refinancing simple. We provide various terms and competitive rates designed to suit your needs and budget.

Refinancing Options

If you're looking to lower your monthly payments or access equity from existing loans, we have refinancing options available for our auto and mortgage products. We encourage you to reach out for more details on eligibility and how refinancing can benefit your financial situation. Our dedicated team at L&n Employees, located at 4101 Vanderbilt Rd Birmingham Al 35217, Birmingham, AL, is ready to assist you. For any questions or personalized assistance, don't hesitate to call us at (205) 841-2544 during our operating hours from 8:30 AM to 5:00 PM Monday through Friday. 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 goals today!

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans, with a total of $240,218 in loans helping members manage their finances effectively. This option allows you to handle unforeseen costs while enjoying the benefits of rewards programs.

Loan Aggregator

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L&N EMPLOYEES CREDIT UNION