Birmingham City Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.50%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.00%	1-year CD	2.65% - Barclays 12 Month Online CD
1.00%	Savings	2.00% - Ally Bank Online Savings Account

View all Birmingham City Credit Union rates »

Overview / Commentary

www.cobgecu.net

205-583-4654

708 17th St N
Birmingham, AL 35203-2020

Birmingham City Credit Union is headquartered in Birmingham and is the 80^th largest credit union in the state of Alabama. It is also the 4,228^th largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 5 employees and 2,117 members at 1 location. Birmingham City Credit Union's savings rates are 92% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Birmingham City Credit Union is open to Birmingham City employees that did not qualify for membership in the Fire or Police CU along with their family members.
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Health

C+

Data as of Q2 2018

Learn why bank health matters

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. Birmingham City Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	64528
Year Chartered	1956
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	1.78%
Return on Equity - YTD	11.81%
Annual Interest Income	$321.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$8.8MM$9.0MM
Loans	Q2 2018vs Q2 2017	$6.6MM$6.3MM
Deposits	Q2 2018vs Q2 2017	$7.5MM$7.8MM
Equity Capital	Q2 2018vs Q2 2017	$1.3MM$1.2MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$68.00K$87.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$58.00K$123.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Birmingham City Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$75k^*	-	Share Savings
OTHER TIERS: 0.25% → $100 - $10k \| 0.50% → $10k - $25k \| 0.75% → $25k - $75k
0.25%	-	-	Vacation Club
0.25%	-	-	Christmas Club
0.25%	-	-	Kids Savings Club

Birmingham City Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	$500	-	60 Month CD
2.40%	$500	-	18 Month CD
2.25%	$500	-	48 Month CD
2.00%	$500	-	36 Month CD
1.50%	$500	-	24 Month CD
1.00%	$500	-	12 Month CD
0.60%	$500	-	6 Month CD
0.35%	$500	-	3 Month CD

Locations

Birmingham City Credit Union Locations
Branch Office	708 17th St N	Birmingham, AL 35203-2020

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