Featured Savings Rates
Featured Accounts

1st Resource Credit Union

Popular Accounts at this Credit Union

1.76%5-year CD60 Month Share Certificate
1.00%1-year CD12 Month Share Certificate
0.75%SavingsRegular Share Savings Account

Overview / Commentary
47 W Oxmoor Rd
Birmingham, AL 35209

1st Resource Credit Union is headquartered in Birmingham and is the 48th largest credit union in the state of Alabama. It is also the 2,713th largest credit union in the nation. It was established in 1940 and as of December of 2016, it had grown to 9 employees and 2,328 members at 2 locations. 1st Resource Credit Union's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

membership is open to those who live, work or worship in Montgomery or Jefferson Counties in Alabama and to employees of Alagasco and the Energen Corporation.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1st Resource Credit Union has a low asset base.

Health Grade Components

NCUA #64232
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD6.88%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$35.1MM$33.0MM
LoansQ4 2016vs Q4 2015$31.2MM$27.7MM
DepositsQ4 2016vs Q4 2015$31.4MM$29.6MM
Equity CapitalQ4 2016vs Q4 2015$3.6MM$3.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$168.00K$156.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$42.00K$83.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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1st Resource Credit Union Savings Account Rates

2.26%$100-IRA Savings Account
2.26%$100-Roth IRA Savings Account
0.75%$100-Regular Share Savings Account

1st Resource Credit Union CD Rates

1.76%$500-48 Month Share Certificate
1.76%$500-60 Month Share Certificate
1.51%$500-36 Month Share Certificate
1.25%$500-24 Month Share Certificate
1.00%$500-12 Month Share Certificate
0.80%$500-6 Month Share Certificate

1st Resource Credit Union IRA Rates

1.76%$100-48 Month IRA Share Certificate
1.76%$100-60 Month IRA Share Certificate
1.51%$100-36 Month IRA Share Certificate
1.25%$100-24 Month IRA Share Certificate
1.00%$100-12 Month IRA Share Certificate
0.80%$100-6 Month IRA Share Certificate

1st Resource Credit Union Locations
Branch Office47 W Oxmoor RdBirmingham, AL 35209
Branch Office2914 Chestnut StMontgomery, AL 36107