Redstone Credit Union Decatur AL | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Redstone, your trusted partner in financial well-being located at 3004 Modaus Rd Sw, Decatur, AL 35603. Since our establishment in 1951, we have proudly served the community, growing into a robust credit union with over 813,194 members who count on us for their banking needs. With total assets of $7,829,722,812 and total deposits amounting to $305,883,216, we are dedicated to providing secure and accessible financial services tailored to you. At Redstone, we understand the importance of community support and member satisfaction. Under the leadership of our CEO, Joseph Newberry, and Board President, Dave Hargrove, we strive to create a welcoming environment where your financial goals can flourish. We offer a wide range of services including personal banking accounts, auto loans, mortgage refinancing, and business banking solutions. While you can visit us at our Decatur branch for any inquiries or assistance, please note that official correspondence should be sent to our mailing address: 220 Wynn Drive, Huntsville, AL 35893. With a dedicated team of 1,350 employees, we're here to ensure you receive personalized service every step of the way. Whether you're looking for assistance with loans over 253,472 loans and leases currently funded or simply wish to explore new savings opportunities with our various account options, Redstone is ready to help. We invite you to connect with us today! Call us at 256-722-3709 or visit our website at Redstone FCU for more information about how we can assist you in achieving your financial dreams. Join our community and experience the difference that a member-focused credit union can make!

Branch History & Mission

Join Us Today

As we look toward the future, we invite you to become part of the Redstone family. Experience firsthand the benefits of membership from competitive loan rates to exceptional customer service. Our team is here Monday through Friday from 10:15 AM to 11:45 AM to assist you with your banking needs. Ready to take the next step? Visit us online at Redstone or call us at 256-722-3709 for more information about joining or opening an account today!

Our Evolution

Since opening our doors over seven decades ago, Redstone has continually evolved to meet the needs of our community. From humble beginnings, we have expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Today, with total assets exceeding $7.8 billion, we stand as a pillar of stability and growth in Morgan County. Our journey hasn't just been about numbers; it's also about people. We believe that every member deserves personalized service and innovative solutions. As technology advanced, so did we. Our digital banking services now allow members to manage their finances conveniently through online banking and mobile applications.

Our Mission

At Redstone, our mission is clear: to empower individuals and families in their financial journeys while giving back to the communities we serve. We strive to provide accessible financial products that help members achieve their goals whether it's buying a home or managing day-to-day expenses. We're committed not only to your financial well-being but also to making a positive impact on the lives of those around us. Through various partnerships and outreach initiatives, we support local organizations and events that enrich our community. While you can visit us at our branch address for all your banking needs, please send any official correspondence to our mailing address at 220 Wynn Drive, Huntsville, AL 35893.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind, ensuring that everyone can easily access our services. We have ample parking available right outside the entrance, making it simple for you to pop in for assistance. Our facility complies with ADA standards, featuring ramps and spacious entryways for those who require extra support.

Friendly Hours for Your Convenience

At the Redstone Austin High School Branch, we understand that your time is valuable. That's why we're open Monday through Friday from 10:15 AM to 11:45 AM. These hours are designed to fit into your busy schedule, whether you need help opening a new account or discussing loan options.

Services Tailored for You

We offer a variety of personal banking services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. While we currently do not have ATM services or drive-thru banking at this location, our friendly staff is always ready to assist you inside the branch. If you're looking for comprehensive banking solutions tailored just for you, we invite you to visit us or give us a call at 256-722-3709. Join us at the Redstone Austin High School Branch today we're excited to help you achieve your financial goals!

Member Eligibility

At Redstone, we believe that everyone deserves the chance to be part of a caring community. Joining us as a member is easy and welcoming! If you live, work, worship, or attend school in the areas served by our credit union, you're likely eligible for membership. This includes individuals who have family members already with us. We strive to make banking personal and supportive, ensuring you feel at home while enjoying all the benefits we offer. From competitive rates on loans to personalized service that puts your needs first, becoming a member means gaining access to a wide range of financial products designed just for you. To learn more about the specific eligibility criteria, please visit our detailed guide at https://www.redfcu.org/become-a-member/. When you're ready to open an account, it's a simple process! Just head over to https://www.redfcu.org/become-a-member/member_app_check/ or give us a call at (256) 722-3709 for assistance. We can't wait to welcome you to our Redstone family located at 3004 Modaus Rd Sw Decatur Al 35603!

Business Banking & Commercial Services

Member and Non-Member 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.

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Picture this: a local cafe using our payment processing solutions to accept credit cards easily, improving their service speed during busy hours. This not only helps them keep customers happy but also boosts their sales. Located at 3004 Modaus Rd Sw Decatur Al 35603 in Decatur, AL, we invite you to explore how our tailored business banking options can help your company thrive. Contact us today at (256) 722-3709 to learn more!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not offer ATM facilities directly at our branch, our team can guide you on nearby locations where you can access cash easily. At Redstone, we're not just about transactions; we're about building relationships and helping our members succeed financially. If you're interested in learning more about how we can support your financial goals, don't hesitate to reach out! You can contact us at (256) 722-3709 or visit our website at https://www.redfcu.org/. Join us today and discover how we can assist you in achieving financial peace of mind!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options make it easy and affordable to drive away in the vehicle of your dreams. With competitive rates and flexible terms, we'll help you navigate through the financing process so you can focus on enjoying your new ride without the stress.

Business Banking Solutions

For small business owners, we provide comprehensive Business Banking services including merchant services and business loans. We understand the challenges entrepreneurs face and are committed to supporting your growth with customized financial solutions.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking services. Manage your accounts anytime, anywhere with features like mobile payments and person-to-person transfers. Our digital platforms ensure that banking is always at your fingertips without any hassle.

Credit Cards with Rewards

Enjoy shopping? Our Credit Cards with Rewards offer benefits that make every purchase more rewarding. You can earn points or cash back on everyday purchases, helping you save money while enjoying what you love.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide great opportunities. We know that buying a home is one of the biggest decisions you'll make, and our experienced staff will guide you through every step of the way to ensure you get the best deal possible.

Personal Banking Solutions

We understand that managing finances can be overwhelming, which is why we offer Personal Banking services like checking and savings accounts designed to fit your lifestyle. Imagine having a checking account that helps you keep track of your spending while allowing you easy access to your funds. Our savings accounts are perfect for building your nest egg, ensuring you have money set aside for future needs.

Personal Loans & Debt Consolidation

If you need extra cash for unexpected expenses or want to simplify your finances, our Personal Loans & Debt Consolidation options are here for you. These loans can help cover emergencies or combine multiple debts into one manageable payment, making it easier for you to regain control over your finances.

Digital & Online Banking

E-Statements and Security

We prioritize your security. While we don't currently offer electronic signature authorization, rest assured that all your transactions are protected with advanced security measures. You can also choose to receive e-statements, making it easy to keep track of your financial activities without cluttering up your mailbox. At Redstone, we're committed to providing user-friendly solutions that help you stay in control of your finances. Experience the ease of managing your accounts digitally today!

Mobile Application

Our mobile application makes banking even more convenient. With it, you can enjoy features like mobile payments, which allow you to make purchases quickly and securely using your phone. You can also easily send money to friends or family with our person-to-person transfer feature.

Financial Strength

Commitment to Innovation

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 $74,911,603 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Comprehensive Lending Support

Our lending capacity supports your financial goals across various sectors with $64,191 in used auto loans and $3,792,823,067 in total loans and leases. 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.

Growing Member Base

Total Share and Deposit Accounts: 1,408,271, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $22,815,063. 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 3004 Modaus Rd Sw Decatur Al 35603 or call (256) 722-3709 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.*

Member-Centric Savings Opportunities

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.

Strong Financial Health

With a net worth of $1,011,949,770, we maintain robust 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,013,306,290 in used vehicle loans and $144,782,478 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make it easier for you to drive away with the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $340,720,719 provide the capital needed to grow and expand. Whether you need funds for inventory, equipment, or other business necessities, we are here to support your entrepreneurial journey.

Credit Lines

Our total credit lines amount to $1,817,707,759, providing members with additional flexibility for managing larger purchases or unexpected expenses. These lines of credit are designed to give you peace of mind when it comes to your financial planning.

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 help guide you through the process, ensuring you understand each step along the way.

Refinancing Options

If you're considering refinancing any existing loans, we offer options that may allow you to lower your monthly payments or change the terms of your loan for better financial management. Be sure to ask us about eligibility and how we can assist with this process. At Redstone, we're dedicated to helping you navigate your financial journey with confidence. For more information on our loan products or to see if you're eligible for membership, please call us at (256) 722-3709 or visit our website at https://www.redfcu.org/. 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 Cards

Managing everyday expenses can be challenging, which is why 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. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your finances under control.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures that users receive accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results from NCUA, ensuring fair and transparent offers. By working exclusively with verified financial institutions, LendMesh delivers reliable information that users can trust.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can feel confident that they are viewing trustworthy options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that users can make informed decisions without the influence of marketing tactics. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users navigate their choices effectively. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the positive impact that accurate comparisons can have on borrowers' financial decisions. 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