Redstone Credit Union Decatur AL | Low Mortgage Rates & Auto Loans

Introduction

At Redstone, we believe that financial services should be accessible, friendly, and tailored to your needs. Nestled in the heart of Decatur, Alabama, our Beltline Branch at 2319 Beltline Rd Sw is here to serve you with a range of banking solutions designed to empower our members. Established in 1951, we have grown into a trusted community partner, boasting over 813,000 members and total assets exceeding $7.8 billion. While members can visit us at our Decatur branch, official correspondence should be sent to our mailing address at 220 Wynn Drive, Huntsville, AL 35893. Our dedicated team, led by CEO Joseph Newberry and Board President Dave Hargrove, works tirelessly to ensure that each member feels valued and supported. With total deposits amounting to $305 million and a robust net worth of $1.01 billion, we take pride in offering secure and reliable banking options. Whether you're looking for personal banking services such as checking accounts or auto loans, or business solutions including merchant services and business loans, we have you covered. Our commitment extends beyond just numbers; it reflects our dedication to the community we serve. We are proud to offer various services like online and mobile banking for your convenience, along with drive-thru access for easy transactions. Feel free to reach out to us at 256-837-6110 during our operating hours from Monday to Friday, 9:00 AM - 5:00 PM, or Saturday from 9:00 AM - 1:00 PM. Explore how we can assist you today by visiting us in person or checking out our website at Redstone. Join us as we continue to build financial futures together!

Branch History & Mission

Welcome to the story of Redstone, a cornerstone of financial service in Decatur, AL. Established in 1951, our branch has nurtured a rich legacy of growth and community engagement. Over the years, we have expanded our offerings and services to meet the diverse needs of our members while staying true to our mission of empowering individuals and families through accessible financial solutions. Located at 2319 Beltline Rd Sw, Decatur, AL 35601, our branch is easily accessible for all members of the community. As you visit us, you'll find that we are not just a financial institution but a supportive partner dedicated to helping you achieve your dreams. With a total membership of 813,194 and assets amounting to an impressive $7,829,722,812, we are proud to serve our community with dedication and care. At Redstone, our mission is simple yet profound: we strive to provide quality financial services while fostering a sense of belonging among our members. We believe in putting people first offering everything from personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards. Our commitment extends beyond banking; it's about uplifting the community through outreach initiatives that support local causes and partnerships. We understand that convenience is essential in today's fast-paced world. That's why we offer various services including online and mobile banking, ATM access, and drive-thru facilities for quick transactions. Our branch operates with hours designed for your schedule: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Whether you're withdrawing cash or seeking advice on your financial journey, we're here for you. As part of our commitment to accessibility, we ensure ADA compliance across all our services so that everyone can benefit from what we offer. Our team continuously explores ways to enhance your experience with digital advancements that make banking easier than ever. While members can visit us at 2319 Beltline Rd Sw, official correspondence should be sent to 220 Wynn Drive, Huntsville, AL 35893. You can also reach us directly at 256-837-6110 for any questions or assistance. In closing, we invite you to join the Redstone family. Experience firsthand how we prioritize your financial well-being while contributing positively to our community. Let's embark on this journey together visit us today!

Branch Location & Accessibility

Welcome to the Redstone branch, conveniently located at 2319 Beltline Rd SW in Decatur, Alabama. Our location is easy to find, nestled near popular landmarks like the Decatur Mall and just a short drive from the beautiful Wheeler Lake. Whether you're coming for personal banking or business needs, our friendly staff is here to help. We understand that accessibility is key for our members. Our branch features ADA-compliant entrances and ample parking to ensure everyone can visit us with ease. If you prefer banking on the go, we also offer a drive-thru service for quick transactions without leaving your vehicle. Plus, you can use our ATM for convenient cash withdrawals and balance checks whenever you need them. Our operating hours are designed with your busy schedule in mind. You can visit us Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays, our drive-thru is open from 9:00 AM to 1:00 PM. Need assistance? Don't hesitate to call us at 256-837-6110. While members can visit us at 2319 Beltline Rd SW, official correspondence should be sent to our mailing address at 220 Wynn Drive, Huntsville, AL 35893. At Redstone, we provide a variety of services tailored to meet your financial needs be it checking and savings accounts, auto loans, mortgages, or credit cards with rewards. We invite you to stop by or give us a call today! Your financial journey starts here.

Member Eligibility

Joining the Redstone family is like stepping into a supportive community that truly cares about your financial well-being. Becoming a member is simple and open to many! If you live, work, or worship in the areas we serve, or if you have a family member who's already a member, you're likely eligible to join us. We welcome everyone with open arms, ensuring that you can take advantage of our wide range of services designed just for you. From personal banking options to loans that fit your lifestyle, membership at Redstone offers numerous benefits that make managing your finances easier and more rewarding. To get started on your journey with us, simply check out our eligibility criteria at https://www.redfcu.org/become-a-member/. If you're ready to open an account, visit our account opening page here: https://www.redfcu.org/become-a-member/member_app_check/. If you have any questions or need assistance, don't hesitate to call us at (256) 837-6110. We're excited to welcome you to Redstone, located at 2319 Beltline Rd Sw Decatur Al 35601, where your financial goals can become a reality!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services simplify daily operations for your business. Imagine being able to accept payments seamlessly from customers whether they prefer credit cards or mobile wallets. This not only enhances customer satisfaction but also streamlines your cash flow. Located at 2319 Beltline Rd Sw Decatur Al 35601 in Decatur, AL, we're here to provide personalized service that meets your unique needs. Connect with us today to discover how we can support your business journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $253 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $340,720,719, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Support at Your Fingertips

If you prefer face-to-face interactions, take advantage of our basic Drive-Thru Banking, where you can handle deposits and withdrawals quickly without leaving your car. Our ATMs also allow for easy access to withdrawals and balance checks whenever you need it. At Redstone, we are committed to being more than just a bank; we are your trusted partner in navigating financial decisions. Our friendly staff is always here to assist you with any questions or concerns. Ready to learn more about how we can help? Visit us today at 2319 Beltline Rd Sw Decatur Al 35601 or give us a call at (256) 837-6110. Join us on the journey toward achieving your financial dreams!

Business Banking Services

For local entrepreneurs, our Business Banking solutions include essential services like Merchant Services & Business Loans. We aim to empower businesses by offering the financial tools needed to grow and succeed.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options, allowing you to manage your accounts anytime, anywhere. From checking balances to transferring funds, our digital features make banking easier than ever. Plus, with our ATM and cash withdrawal services available at multiple locations, accessing your money is hassle-free.

Loan Options for Every Need

We understand that life can bring unexpected expenses, which is why we offer Personal Loans & Debt Consolidation options to help you manage those costs effectively. If you're looking for a credit card that rewards your spending, our Credit Cards with Rewards are designed with perks that can benefit you every day.

Personal Banking Solutions

Whether you're just starting out or looking to manage your wealth, our personal banking services have you covered. You can open a Checking or Savings Account that suits your lifestyle. If you're in the market for a new vehicle, consider our Auto Loans & Vehicle Financing, which provide competitive rates to help you drive away in your dream car. For those planning to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing options offer flexibility and support throughout the process.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills at your convenience. You can also enjoy the ease of e-statements, which are not only eco-friendly but also help you stay organized by providing quick access to your account information. Plus, with our mobile application, keeping track of your finances on the go has never been easier. For those who prefer a more modern approach to payments, we offer a mobile payments feature that lets you make transactions directly from your smartphone. This means no more fumbling for cash or cards just tap and go! If you need to send money to friends or family, our person-to-person transfer service makes it simple and instant.

Security and Accessibility

Your security is our top priority. While we do not currently support electronic signature authorization, we ensure that all your transactions are protected with robust security measures. Our user-friendly interface is designed for everyone, so whether you're tech-savvy or just getting started with online banking, you'll find it easy to navigate. With all these features at your fingertips, managing your finances becomes a breeze. Join us at Redstone today and experience the freedom of digital banking!

Financial Strength

Commitment to Growth

With $930,357,877 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $64,191 in used auto loans and $3,792,823,067 in total loans and leases. Our operational efficiency is reflected in our $74,911,603, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,318 full-time employees and 32 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings and Investments

Members' savings are secured through $1,018,712,399 in share certificates and $1,698,748,726 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $89,049, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $1,011,949,770, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,291 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Numbers

Net Shares (Funds available for lending and investments): $22,815,063. Total Share and Deposit Accounts: 1,408,271, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Redstone is your trusted partner. Visit us at 2319 Beltline Rd Sw Decatur Al 35601 or call (256) 837-6110 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

For those looking for more specialized funding, we have other options available as well. Our total credit lines amount to $1,817,707,759, providing members with access to funds when they need them most. If you're considering refinancing any existing loans or want to explore eligibility options for our various loan products, don't hesitate to reach out. Our knowledgeable staff at Redstone, located at 2319 Beltline Rd Sw Decatur Al 35601, Decatur, AL, is here to answer all your questions. For more information or assistance with your application, give us a call at (256) 837-6110 during our operating hours Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 1:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you secure the financing you need!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,013,306,290 in used vehicle loans and $144,782,478 in new vehicle loans already helping members get on the road. Whether you're financing a brand-new model or a reliable used vehicle, our team is ready to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $404,725,678, make buying or refinancing simple. We provide competitive rates and personalized service to ensure you find the right mortgage solution for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $258,115,936 in loans helping members manage their finances effectively. These cards can be a great tool for everyday purchases and building your credit history.

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. This tool is designed to help you navigate the often complex lending landscape with ease. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means the offers you see are based on the latest results, ensuring fair and transparent options for all users (Source: https://www.ncua.gov). One of the key advantages of using LendMesh is its commitment to verified data. Loan offers come from legitimate financial institutions, which promotes transparency in the comparison process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This approach guarantees that you receive unbiased results that reflect true market conditions. Another important benefit is the real-time rate comparisons provided by LendMesh. You get access to up-to-date loan rates from multiple institutions, empowering you to make informed decisions about your borrowing needs. This feature is crucial in today's fast-changing financial environment. 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!" Such testimonials highlight the effectiveness and reliability of this tool. 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.

Redstone

Type of Loan Offerings

Home Equity Loans

Personal Loans