America's First Federal Credit Union


Overview / Commentary
205-320-4185
1200 4th Ave N
Birmingham, AL 35203-1631

America's First Federal Credit Union is headquartered in Birmingham and is the 3rd largest credit union in the state of Alabama. It is also the 189th largest credit union in the nation. It was established in 1936 and as of June of 2020, it had grown to 364 employees and 178,951 members at 21 locations. America's First Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in America's First Federal Credit Union is open to those who live, work, worship, or attend school in Bibb, Blount, Calhoun, Chilton, Jefferson, Shelby, St. Clair, or Walker Counties and certain areas of Mobile and Talladega Counties in Alabama.
See current membership details

Reviews (3)

Great Credit Union

Posted by: |

This is the best credit union I have used. It is 2 miles from my house so very convenient to drive to. The customer service is outstanding. Free cashier's checks are available when you have a checking or savings account with them. Also, free ATM usage for their customers. I have excellent service from their bank tellers. The fees are none if you maintain your account there. I have not checked on Money Market, CDs or IRAs but I will in the future. I have used credit unions in the past but this is the BEST!

America's First, a credit union for you

Posted by: |

I have been a member of this credit union for over 35 years. I have had a student loan, car loan, as well as checking and savings accounts. My mother has had accounts and loans from them for over 45 years. Unlike banks, they are much more personal and friendly. Also, your account comes with a small life insurance policy.

America's First Will Not Reemburse Stolen Funds

Posted by: |

While on hospice, with only days to live, America's First allowed almost 500.00 to be stolen from my mother’s account. It was taken by a nonexistent company. The only information they had was her debit card number. We saw the 2 thefts on her statement, called the branch and disputed the stolen withdrawals. 1 theft was fixed but, over 350.00 was not corrected.
My mother died a few day later. Once I received her death certificate, I went to the credit union to close the account. While handling the paperwork, I pointed out that they had not corrected 1 of disputed charges. I found out America's First had lost the dispute claim. They are now refusing to reimburse the stolen funds.
Summary: America's First allowed money to be stolen by a fake company.
They did not complete the dispute claim.
They then LOST the dispute claim.
They are now refusing to reimburse the stolen funds.
I requested to speak with a manager, I was told someone would call me later, another lie.
At no point, have they offered an apology for their negligence or, for the distress they caused a dying woman and her grieving daughter.
You might as well keep your funds in a standard bank. America’s First did not protect money they were entrusted with and have demonstrated they do not care about their members.



Health

Health Grade Components

Overall
NCUA #24534
Year Chartered1936
Employees364
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD0.93%
Annual Interest Income$24.8MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.86B$1.65B
LoansQ2 2020vs Q2 2019$1.30B$1.27B
DepositsQ2 2020vs Q2 2019$1.64B$1.44B
Equity CapitalQ2 2020vs Q2 2019$199.6MM$190.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$6.7MM$5.3MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$8.3MM$5.3MM
Real Estate OwnedQ2 2020vs Q2 2019$405.00K$1.4MM
Rates

Rates for America's First Federal Credit Union are currently being reviewed.

Locations

Availability



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