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Rating by Finanso™

The rating by Finanso™ is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.



Our Story began in July 1947 when 6 local investors, with $170,000 in capital, launched the dream of a hometown bank in Andalusia AL. We started a tradition of going the extra mile for our customers which continues today. Our goal was to be progressive and prosperous so we could re-invest in our communities

We always took pride in being first. Did you know, way back when, CCB was the first community bank in Covington County to provide:

  • An Auto Window for drive-up banking
  • A 24 hour banking mail slot for envelopes
  • Electronic imprinted numbered checks with customer’s names in a matter of minutes
  • Drive-Thru lanes with pneumatic cylinders
  • The BankAmericard, a local credit card that could be used nationally, exclusive for our community
  • To recognize Women as Officers
  • Statement check imaging
  • Mobile Banking

As CCB Andalusia grew, we opened locations in Opp AL, Crestview FL, and Niceville FL, with future plans to open in other markets offering more locations and more convenience.

CCB's a leader in community banks offering a broad array of products and services for consumers and businesses. Through our subsidiary full-service brokerage company, CCB Financial Services, we can meet your diverse financial needs too.

We are proud of our rich history. Our commitment to the financial success of our clients, committed employees, and sound management has been the backbone of our bank's growth and success.

Independent Community Bankers of America® (ICBA) has recognized CCB as a Top Performer based on its earnings and operational efficiencies plus the "Certificate of Appreciation" for 30+ years of supporting the community banking industry.

What to focus on before applying for a loan with CCB COMMUNITY BANK

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between CCB COMMUNITY BANK and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All CCB COMMUNITY BANK’s reviews by May 2022