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  2. 1st Resource Credit Union

1st Resource Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.76%5-year CD60 Month Share Certificate
1.85% - Synchrony Bank 60 Month CDAdvertisement
1.00%1-year CD12 Month Share Certificate
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.75%SavingsRegular Share Savings Account
1.00% - Ally Bank Online Savings AccountAdvertisement
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Overview / Commentary
my1resourcecu.com
205-944-1192
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 2,735th largest credit union in the nation. It was established in 1940 and as of June of 2016, it had grown to 9 employees and 2,273 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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Health
B+

Data as of Q2 2016

Learn more about bank health
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

Overall
NCUA #64232
Year Chartered1940
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.4%
Annual Interest Income$851.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$34.7MM$31.1MM
LoansQ2 2016vs Q2 2015$28.3MM$28.1MM
DepositsQ2 2016vs Q2 2015$31.1MM$27.8MM
Equity CapitalQ2 2016vs Q2 2015$3.5MM$3.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$166.00K$174.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$40.00K$77.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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1st Resource Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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