AODFCU is the area's largest local credit union and one of the largest locally-owned financial institutions in East Central Alabama. AOD Federal Credit Union is a financial cooperative owned entirely by its members and operated exclusively for their benefit. Each member has a voice in selecting the board of directors. Just like a shareholder, each member receives earnings in the form of low-interest rates on loans, high dividends on savings, and a large variety of financial services. Since 1950, AOD Federal Credit Union has grown to six offices located throughout Anniston, Jacksonville and Oxford with more than 420 select employer groups and 7-ATM locations throughout Calhoun County. AODFCU serves members in 45 states and several foreign countries. More open hours of service are provided by AODFCU, than any other financial institution in our area, and they are the primary automobile lender in East Central Alabama.For 65 years, the credit union's goal has been to provide its members with savings programs, competitive lending, checking products, and a variety of other convenient services tailored to fit the needs of each member. AOD Federal Credit Union's 65 years of service and experience has positioned the credit union to become one of the largest and most stable credit unions in the nation.