At a glance
From its website, read 2 Nov 2026The Bridgeway Federal Credit Union is a credit union based in Phenix City, Alabama. Its website describes auto loans, equipment loans, home mortgages and 2 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.bridgewaycu.org |
| Office (official list) | 1810 Opelika Road, Phenix City, AL 36867 |
What their website says about applying
three months of current business statements
sourceContact us today to learn more about Bridgeway Business Loans!
sourceWe will also ask for a copy of your driver’s license.
sourcewe will send you a membership packet that will include a membership application
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Term: see their wording | Terms up to 84 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
Need access to capital without pledging collateral?
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 1 Jul 2026 |
| RSSD ID | 315580 |
| Address | 1810 Opelika Road, Phenix City, AL 36867 Directions (Google Maps) |
| Website | www.bridgewaycu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Field of membership and loan amount limits are not stated on the pages fetched; the mortgage listing appears only on the loans overview page. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether you’re buying a new vehicle, shopping for a used one, or looking to refinance your current loan, Bridgeway offers competitive rates | source |
| Equipment loans | — | Equipment and inventory financing available | source |
| Home mortgages | — | Land and Mortgages | source |
| Personal / consumer loans | — | Fixed amount borrowed | source |
| Small-business loans | — | Bridgeway Business Purpose Loans can help keep your business moving forward. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply online today and let us see how much we can save you!
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your equipment loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.7 million in 4 awards from the U.S. Treasury's CDFI Fund, 2019–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Financial Assistance | $599,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as THE BRIDGEWAY (charter 13852). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $62.3 million (as of 30 Jun 2026) |
|---|---|
| Members | 6,858 (as of 30 Jun 2026) |
| Offices | 3 in 2 states (as of 30 Jun 2026) |
Offices by state and county (3)
Alabama (1 office)
- Russell County (1): 1810 Opelika Rd, Phenix City 36867 (main office)
Georgia (2 offices)
- Dougherty County (1): 1115 N Westover Blvd, Albany 31707
- Muscogee County (1): 709 Veterans Pkwy, Columbus 31901
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by The Bridgeway Federal Credit Union (NCUA charter 13852, filed as “THE BRIDGEWAY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $45.2 million, 5,002 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 12.2% from $40.3 million on 30 Jun 2025 |
| Members | 6,858 (as of 30 Jun 2026); 7,288 (as of 30 Jun 2025) |
| Loans per member | $6,598 (total loans divided by members, 30 Jun 2026) |
| Total assets | $62.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $3.5 million | 7.7% |
| Used vehicle loans | $26.7 million | 59.1% |
| First-lien home mortgages (1-4 family) | $1.8 million | 4.0% |
| Other real estate loans (junior liens, other) | $1.7 million | 3.8% |
| Credit cards | $1.4 million | 3.0% |
| Other unsecured loans | $4.8 million | 10.7% |
| Leases and other secured loans | $5.3 million | 11.6% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $62.3 million | Larger than 60% of the 5 other certified credit unions in Alabama (median $5.2 million). |
| Loans as a share of assets | 73% | Median of the same 5 credit unions: 54%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $40.3 million → $45.2 million (+12%) | Median change of 5 other certified credit unions in Alabama: +7%. Rank by loans held among these 6: 3 → 3. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Alabama | 5 | larger than 60% |
| Loans held then vs now | certified credit unions in Alabama reporting both dates | 5 | rank 3 → 3 of 6 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Phenix City and Alabama
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Commercial Bancshares of Ozark, Inc.Bank holding company · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commercial Bank of Ozark, TheBank or thrift · Ozark, ALAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Commonwealth National BankBank or thrift · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
Work at The Bridgeway Federal Credit Union? Link to this page
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