708 N 17th Street
Birmingham AL 35203


Here at the Birmingham City Credit Union, we offer many different types of accounts, suiting needs of all different kinds.
Check out some of what we offer below:

Checking Accounts

We now offer checking accounts to our members. To open your checking account today you must first have a savings account with a share deposit of $25.00. Overdraft protection is available with credit based approval. No monthly fee with E-Statements, free online services, direct deposits and unlimited check writing capabilities.

Share Accounts (Savings)

A share savings account offers safety and convenience, with competitive yields. A $25.00 deposit into your Share Account establishes your membership and enables you to take advantage of all our other financial services. The share accounts are insured with NCUA up to a maximum amount of $250,000.00. It is permissible to withdraw from the share account anytime; however, if more than one withdrawal is made per month, there will be a $2.00 service charge for each additional withdrawal.

Christmas and Vacation Club Accounts

Our Club Accounts allow you to save gradually for any type of annual expense. With regular contributions and competitive dividends, your nest egg will grow quickly and easily. You can make one withdraw a year with no fee, the second withdraw within the same year there will be a $10.00 fee. All our savings accounts are insured up to $250,000 by the NCUA, a federal agency.

Kids Club Account

Open an account for your children or grandchildren living in your household to start saving for their future.


Low-cost loans are one of the greatest benefits of credit union membership. Whether you are financing your first car, your dream home or a college education for your kids, you will find low rates, affordable payments and personal service right here at the Birmingham City Credit Union.

Signature loans of $500.00 to $2,500.00 are made to the members. Loan payments are subject to payroll deductions. Each loan is based on salary, credit rating with the Credit Bureau, amount of financial obligation, length of time with the City, debt/income ratio and all loans are made at the discretion of the Credit Committee. It is the policy of the Credit Union that at least $500.00 is repaid, in principal, before refinancing an existing loan. All signature loans are for no more than 24 months repayment

Automobile loans are made according to the value of the car as listed in the NADA guide book. New and used automobile loans are at a very competitive rate.  Used car loan repayment time is based on the age of the car and the amount of the loan. New car repayment is for a maximum of 6 years. Full coverage insurance is required on all auto loans.

  • Interest rates on share secured loans are 2% above what is paid on dividends.
  • Interest rates on personal loans are 10-18% — dependent on credit score.
  • Interest rates vary from time to time by vote of the Board of Directors.  These rates are very competitive with other financial institutions.

Complete Automotive Coverage – In addition to the best Auto Loans in town, we offer additional services to help make your driving experience worry-free:

  • Carfax – Learn the complete history 0f a used vehicle before buying it, including accident damage, odometer fraud, flood damage, and much more.
  • GAP Insurance – In case your vehicle is stolen or totaled in an accident, GAP Insurance covers the difference between your loan balance and your insurance payoff.
  • Credit Disability and Credit Life Insurance are available on loans at group rates and without a medical exam.
  • What is my car worth? Click the NADA link below to find out.



Direct Deposit and Payroll Deduction

Money management is simple and automatic with these two free services:

Direct Deposit – Your paycheck, Social Security check, pension or government payment can be electronically deposited directly into your credit union account. With Direct Deposit your money is available sooner, and you’ll never have to worry about a lost or stolen check.

Payroll Deduction – This great service lets you specify a portion of your paycheck to be deposited into different accounts, enabling you to save or pay back loans automatically.

ATM Service – With an ATM card from Birmingham City Credit Union, you can perform transactions at any Cirrus ATM across the country. Your ATM card gives you 24-hour access.

Other Services

Free Notary Services


USA Patriot Act

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