MEMBER SERVICES
Experience what
we have to offer
THE CREDIT UNION DIFFERENCE.
LET US DELIGHT YOU.
At Avadian Credit Union, we’ve made it our mission
to be the only financial service provider that will go
out of its way every day to value you as a person,
to make you feel delight and to improve your life.
We take care of you by listening to your goals and
seeking out the best solutions for you now and
down the line. We get involved in the communities
we serve...whether
it’s sponsoring a local
charity or rolling up
our sleeves to build a
new playground.
And we have a
Board of Directors
who volunteer their
time, forgoing any compensation, so that you may
enjoy better rates and fewer to lower fees.
You can read about the products and services
we offer in this brochure. But if you really want to
understand the credit union difference and what
we do at Avadian, we invite you to visit our
branches or give us a call. For us, it’s about being
the first ones to welcome you to your new home,
to celebrate the news of your expanding family,
or to offer a sigh of relief in a financially tight time
when no one else will. Let us delight you with an
experience, not just an account.
MEMBERSHIP. JOIN THE AVADIAN FAMILY.
It is easier than you think to join. All you need to
do is:
1.
Meet one of the following eligibility
requirements:
- Live, work, worship or attend school
in one of the counties we serve.
- Be an employee of a qualifying
Select Employee Group (SEG).
- Be related to a current
Avadian member.
2.
Complete a membership application,
found at a branch or online
at avadiancu.com.
3.
Make a minimum $5 deposit in an
Avadian savings account.
LOCATIONS. WE ARE ALWAYS IN REACH.
Based in Alabama with branch locations and ATMs
throughout the state, we are constantly looking for
opportunities where we can grow and better serve
our communities. To view our current locations,
visit avadiancu.com.
We are also members of the CO-OP Shared
Branching and ATM networks, which support
various credit unions. Visit www.allco-op.org to
learn more and view locations across the country.
SAVINGS OPTIONS. BECAUSE NOT
EVERYONE SAVES THE SAME WAY.
Your relationship with us starts with your Avadian
savings account. By maintaining a $5 minimum
balance in an active savings account, you are
part-owner of the credit union and eligible to apply
for more services and products, such as our
not-so-basic savings accounts listed here.
Health Savings Account (HSA)
Your health is your wealth. Unfortunately, it comes
at a cost. Save accordingly with an HSA, a medical
savings account that affords you the opportunity to
make your own health care decisions. It serves as
an account you can put money into for future
medical expenses and works like a checking
account. To learn more, including tax benefits,
contribution limits, withdrawals and eligibility
requirements, visit www.irs.gov or consult your
tax advisor.
Christmas Club
Be smart and plan for the most wonderful (and
expensive) time of the year. Funds are available for
withdrawal October through December without
penalty. The penalty is in place to help you stay
focused on your goal, so you don’t unexpectedly
spend Christmas in July. You’re welcome.
Youth Savings Programs
Parents spend a great deal of energy worrying
about what their kids are eating, who they are
spending time with, and how they are doing in
school. They sometimes forget that raising a
successful adult requires financial smarts. We can
help. Our Kids Savings School (ages 12 and under)
and our Edge Savings account (ages 13-19) are
designed to develop the money management skills
they will one day need to tackle the real world.
Oh and we add a little fun to the learning, so they
won’t get “bored” with it. All they need is $5 and a
parent or legal guardian to open their account.
Centsible Savings
For most of us, saving money is hard. Centsible
Savings is an automatic savings program that’s
so easy you won’t
“We signed up for
even realize you’re
Centsible Savings and
putting money away.
shortly after, we had more
It’s simple. Once you
than enough to pay for a
enroll, every time you
cottage rental for a
make a purchase
weekend getaway!” with your Avadian
Kelli, Downtown
debit card, we’ll
Birmingham Member
round the total up to
the nearest dollar. At the end of each day, we’ll
transfer the difference from your checking account
to your Centsible Savings account. Then, there’s
our match - free money for you - and dividends
you can earn! This program is so popular, we’ve
dedicated a whole flyer to it. Ask for one at your
branch to learn how a few pennies can turn into
impressive savings.
U Name It Savings
Achieving your goals requires a plan that can be
easily executed. Welcome our U Name It Savings
program. It allows you
to set up and name
individual savings
accounts according
to your goals, such as
New Home, Baby on
Board, Dream
Wedding or Bucket
List Trip. Saving this
way keeps your primary savings account separate.
It also keeps your goal in sight, so you tend to
reach it faster and track your progress better.
LOANS. WE HAVE THE FINANCIAL MUSCLE
TO MAKE YOUR DREAMS A REALITY.
New home. First car. Your own business. Starting
a family. To make it happen, oftentimes you need
someone to “spot” you. We offer a variety of
personal and business loans as well as lines of
credit to meet your needs with:
Low Rates
Convenient Terms
• Optional Payment Protection
• No Pre-Payment Penalties
• Payroll Deduction
• Fast Response
• Skip-A-Payment
• 24/7 Loan Call Center (866.732.6814)
• Discounts for loans set up on auto-pay
• Pre-Approval before you shop
• Pre-Approved Check for auto purchase
• Refinancing
•
•
We will walk you through the loan process and
your options, so you feel informed and confident
in your decision. And the best part is we won’t
put you in a loan you can’t afford or doesn’t make
sense for you.
Loans at the Dealership
It usually starts off as “browsing”. Then, you get a
whiff of that new car smell, take a quick test drive
around the block, and suddenly find yourself ready
to buy. You don’t want to leave the lot without it...
not even to visit your credit union. And we don’t
blame you. So, we bring our low, competitive rates
to you.
We partner with various dealerships to offer
Avadian financing. Shop on the weekends or after
hours. Our loan officers are standing by. Visit
avadiancu.com to view participating dealerships.
Mortgages and Home Equity Loans
Your home plays a major part in how you see
your life and where you see yourself going. Who
you use to finance
“I was looking at
your home can affect
co-signing a mortgage with
where you end up.
my mom. Like any good
Our dedicated team of
consumer, I started
mortgage specialists
comparing rates. I was
will help get you where
going with a financial
you want to be. And
institution who promised
if you’re not financially
a great low rate, but I had
ready, we’ll develop
such a hard time getting
a plan. Because we
someone to speak with me
don’t want you
about the mortgage and to
to settle.
answer my questions.
I called the Real Estate
If you’re not looking
Manager at Avadian. He
to move, we also offer
answered all my
refinancing options
questions and explained
and lines of credit
my options. In the end,
to remodel your
I chose Avadian. They were
existing home. All of
willing to help and that
our mortgage loans
speaks volumes.” offer convenient terms,
Kim, Montgomery Member
prequalification,
conventional fixed and adjustable rates, fast
closing and lower closing costs than most.
Visit our Mortgage Center at avadiancu.com to
learn more.
VISA® Credit Cards
The reality is most of us need a credit card. What
you do with it and how you use it is up to you.
We want your credit card to be an asset, not just
a necessity. A financial tool that works for you in
more ways than one.
From scoring reward points with every purchase to
earning a yearly rebate to just getting great rates,
our VISA® Rewards credit card has something
for everyone. We also provide an option for those
having a hard time getting approved elsewhere.
To learn more or to apply, pick up one of our Visa
brochures or visit us online.
CONVENIENT SERVICES. MANAGE YOUR
FINANCES THE EASY WAY.
Effectively managing your account can make all the
difference on whether you succeed or fail financially.
Being able to move money around, pay bills and
track transactions needs to be easy, efficient, fast
and convenient. Access to your money also needs
to be available 24/7. Our electronic services can
do that for you. It all starts when you sign up for
our online banking at avadiancu.com. Once set up,
you can get up-to-the-minute account information,
view current rates, make loan payments, set up
alerts, and more. Most importantly, you can
sign up for our other great electronic services
listed here.
Online Bill Payment
Eliminate the cost of postage, a check, and gas
for a trip to the post office with online bill payment.*
It allows you to pay your bills in mere seconds,
so you can spend more time doing the stuff you
want to do.
*Online bill payment is not available for e-Checking accounts.
e-Statements
Minimize clutter and take the first step to protect
your financial information by requesting to receive
your account statements online. E-Statements
reduce the chances of your personal information
being lost or stolen. You can still view your account
information and past statements when you
need them.
Money Manager
With our online banking tool, Money Manager,
you can manage all of your financial accounts in
one spot, even those at other financial institutions.
Having all your account information in one place
allows you to see the “big picture”, so you can
budget better and manage your cash flow
more effectively.
Mobile Banking
For many people, their phone and/or tablet has
become their lifeline. Think about all the things you
can do with your mobile device and how much
time you spend on it. It only makes sense to bank
from it as well.
As an online banking member, you can access
your Avadian account via your mobile device for
free.* All you need is web access, or you can
download our free mobile banking app from your
app store. As with everything we do, we offer the
latest in security, so it’s not only easy but safe.
Once a mobile banking user, you can do a variety
of transactions, including deposit checks, all from
your mobile device.
*Data usage charges may apply. Check with your cell phone service provider for
details on specific fees and charges.
Telephone Banking
Our free 24-hour
telephone banking
system allows you
to do a variety of
transactions from
your phone. It’s easy
to access and guides
you through your call with the codes you will need.
Contact us to sign up. To access telephone
banking, dial 205.985.0550 or 1.800.874.1394.
CHECKING ACCOUNTS. CHOOSE THE
ACCOUNT THAT SUITS YOU.
A checking account serves as a financial lifeline.
It literally pays the bills and keeps you and your
money moving. With a financial tool this valuable,
you want to choose a checking account that works
smartest for you.
All Avadian checking accounts feature a minimum opening deposit requirement.
See Truth in Savings disclosure for terms and fees associated with each
checking account.
Choice Checking
Checking accounts are mostly the same. They
tend to offer the “usual”: a debit card, overdraft
loan protection, e-Statements and online/mobile
banking. Choice Checking goes beyond the norm
with no monthly service fees and no monthly
minimum balance requirement - plus the option
to add features (three of your choice), so you can
tailor your checking to the way you use it. It’s a
simple difference, but one that makes Choice
Checking just a bit better.
Choice Checking with Interest
At its core, a checking account is a tool to help you
manage the flow of your money...how it’s coming
in and how it’s being spent. It can be so much
more though. Our Choice Checking with Interest
account offers the same as Choice Checking but
with the added ability to MAKE money. It earns
interest monthly so you can build up your balance.
All you have to do is maintain a minimum
average daily balance to earn interest and to
avoid a monthly fee.
e-Checking
People make mistakes, especially when it comes
to finances. We see it every day. The key to getting
back on track is finding the right products and
services. Our e-Checking is one of those.* It’s a
checkless checking account designed to build
financial stability. More importantly, it’s a solution
for some who have a hard time getting approved
for a checking account.
*There is a low monthly fee. You are not eligible if you have previously caused
Avadian a loss. Direct deposit required. Payroll checks accepted from select
employee groups only. Other deposits limited to cash and government checks.
$500 daily ATM limit. No Online Bill Payment privileges or CO-OP Shared
Branch access to your e-Checking account.
INVESTMENTS. WHY JUST SAVE YOUR
MONEY, WHEN YOU CAN GROW IT.
We spend most of our time finding ways to save
money. Maybe what we should really be doing is
seeking out ways to grow what we already have.
Sounds smart and simple enough. It’s all in how
you do it and the investment options available
to you.
Certificates of Deposit (CDs)
From Start Up to Step Up to Traditional, we offer
a range of CDs with flexible terms, minimum
investment amounts and competitive rates to
accommodate beginner to expert investors.
Visit avadiancu.com to learn more, including our
current rates and specials.
Money Market
A combination of a savings and a checking
account, a Money Market is built for growth and
flexibility. You can write up to six checks per month
while earning a higher interest return than a
traditional savings account. Use it to park
money for short periods of time or as an
emergency account.
Individual Retirement Account (IRA)
We work hard every day, so one day we don’t
have to. And when that day comes, we want you
to enjoy it without worry. Consult your tax advisor
or an Avadian Financial Services Representative to
discuss the best retirement account for you and
your future goals.
AVADIAN FINANCIAL SERVICES (AFS)
The Avadian Financial Services Program is a
personal financial management or planning service
designed exclusively for credit union members.
It offers access to a variety of investment and
insurance programs to help members pursue their
financial objectives and life goals.
Consultation is available to members free
of charge. An Avadian Financial Services
Representative is available to work with you to
create a personal financial management program
you can follow to work toward your monetary
objectives. For more details, call 205.985.2812
or toll free at 1.888.282.3426 ext. 2812.
Securities offered through LPL Financial, member FINRA/SIPC. Insurance
products offered through LPL Financial or its licensed affiliates. The investment
products sold through LPL Financial are not insured Avadian Credit Union
deposits and are not NCUA insured. These products are not obligations of
Avadian Credit Union and are not endorsed, recommended or guaranteed by
Avadian Credit Union or any government agency. The value of the investment
may fluctuate, the return on the investment is not guaranteed, and loss of
principal is possible.
ADDITIONAL SERVICES. LET’S PEAK YOUR
INTEREST SOME MORE.
Auto, Home, and Life Insurance Discounts
Auto Exam (extended warranty product
for vehicles)
• Business Services
• Cashier’s Checks
• Direct Deposit and Payroll Deduction
• Direct Pay (loan payment drafted from
other financial institutions)
• Free Notary Service
• Gap Protection for Auto Loans
• Love My Credit Union Rewards
(exclusive member discounts)
• Medallion Signature Guarantee (Guarantees
member’s signature on stock transactions.)
• Safe Deposit Boxes (at select locations)
• U.S. Savings Bond Redemption
• Wire Transfers
• $2,000 Accidental Death & Dismemberment
Insurance (free to members who enroll)
•
•
For more information about Avadian or any of the
services and products outlined in this brochure,
call 1.888.282.3426 or visit www.avadiancu.com.
LOCATIONS
Chelsea – Birmingham
15660 Highway 280 • Chelsea, AL 35043
205.678.7797 • 1.888.282.3426
Colonnade – Birmingham
3439 Colonnade Pkwy • Suite 100 • Birmingham, AL 35243
205.967.2993 • 1.888.282.3426
Downtown – Birmingham
613 19th St. North • Birmingham, AL 35203
205.252.8024 • 1.888.282.3426
Gardendale – Birmingham
405 Fieldstown Road • Gardendale, AL 35071
205.631.6460 • 1.888.282.3426
Greystone – Birmingham
420 Old Highway 280 • Birmingham, AL 35242
205.437.3696 • 1.888.282.3426
Helena – Birmingham
4849 Highway 52 West • Helena, AL 35080
205.621.4262 • 1.888.282.3426
Homewood – Birmingham
475 Green Springs Highway • Birmingham, AL 35209
205.942.9977 • 1.888.282.3426
Hoover – Birmingham
4720 Chace Circle • Birmingham, AL 35244
205.989.5220 • 1.888.282.3426
Hueytown – Birmingham
148 River Square Plaza • Hueytown, AL 35023
205.491.6217 • 1.888.282.3426
Pelham – Birmingham
3016 Pelham Parkway • Pelham, AL 35124
205.620.2332 • 1.888.282.3426
Trussville – Birmingham
2150 Gadsden Highway • Birmingham, AL 35235
205.661.9712 • 1.888.282.3426
Dothan
2378 West Main Street • Dothan, AL 36301
334.702.8759 • 1.888.282.3426
Geneva
309 West Maple Avenue • Geneva, AL 36340
334.684.2241 • 1.888.282.3426
Madison
8566 Madison Boulevard • Madison, AL 35758
256.774.3988 • 1.888.282.3426
Mobile
809 Downtowner Blvd. • Mobile, AL 36609
251.343.2027 • 1.888.282.3426
Montgomery
2906 Atlanta Highway • Montgomery, AL 36109
334.271.4526 • 1.888.282.3426
S.E. Alabama Medical Center
1091 Ross Clark Circle • Dothan, AL 36303
334.702.8741 • 1.888.282.3426
South Parkway
3301 Memorial Parkway SW • Huntsville, AL 35801
256.536.5626 • 1.888.282.3426
www.avadiancu.com • 1.888.AVADIAN
(1.888.282.3426)
This credit union is federally insured by the
National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by
Excess Share Insurance Corporation, a licensed insurance company.
EQUAL HOUSING
OPPORTUNITY
We are an Equal Housing Opportunity Lender.
Avadian’s participation with any enterprise is only an attempt to provide a
service to its members and has no responsibility for transactions between said
enterprise and members.
Follow us on Facebook, Twitter, Pinterest, Instagram,
our blog (blog.avadiancu.com) and LinkedIn.
1.19.17