Birmingham, AL · Federal Credit Union · Chartered in AL
Who can join
Employer / occupational group
Members
195,131
Net Worth Ratio
12.01%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$2.74B
Total Shares
$2.39B
Total Loans
$2.16B
Net Worth Ratio
12.01%
≥7% = Well Capitalized
Members
195,131
Delinquency Rate (60d+)
0.48%
$10.5M
Loan-to-share ratio: 90.6%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 2,366 | 1,675 | 325 | 70.8% | 13.7% |
| 2022 | 2,902 | 2,105 | 371 | 72.5% | 12.8% |
| 2021 | 2,074 | 1,279 | 287 | 61.7% | 13.8% |
No CFPB complaint data available for this credit union.
Main Office
1200 4th Ave N, Birmingham, AL, 35203-1631
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Ensley Branch
1819 20th Street Ensley, Birmingham, AL, 35218
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Leeds Branch
1795 Ashville Rd, Leeds, AL, 35094-7507
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Anniston/Oxford Branch
31 Commons Way, Oxford, AL, 36203
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Bessemer Branch
2131 19th St N, Bessemer, AL, 35020-8840
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Cullman Branch
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<a href="https://bankscorer.com/credit-union/americas-first" target="_blank" rel="noopener">View AMERICA'S FIRST on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
300 4th Ave SW, Cullman, AL, 35055-4130
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Forestdale Branch
1918 Veterans Memorial Dr, Birmingham, AL, 35214-2048
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Gardendale Branch
1039 Mount Olive Rd, Gardendale, AL, 35071-2436
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Hoover Branch
3312 Old Columbiana Rd, Hoover, AL, 35226-3337
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
Hueytown Branch
3052 Allison Bonnett Memorial Dr, Hueytown, AL, 35023-2362
9:00 am - 5:00 pm Mon-Thu 9:00 am - 6:00 pm Fri
12 more locations not shown.