Overview / Commentary
708 17th St N
Birmingham, AL 35203-2020

Birmingham City Credit Union is headquartered in Birmingham and is the 78th largest credit union in the state of Alabama. It is also the 4,170th largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 5 employees and 2,144 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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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

NCUA #64528
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD10.45%
Annual Interest Income$657.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$8.8MM$9.0MM
LoansQ4 2018vs Q4 2017$6.8MM$6.5MM
DepositsQ4 2018vs Q4 2017$7.3MM$7.7MM
Equity CapitalQ4 2018vs Q4 2017$1.4MM$1.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$73.00K$70.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$113.00K$42.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

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

2.50%$500-60 Month CD
2.40%$500-20 Month CD
2.25%$500-48 Month CD
2.00%$500-36 Month CD
1.50%$500-24 Month CD
1.25%$500-18 Month CD
1.00%$500-12 Month CD
0.60%$500-6 Month CD
0.35%$500-3 Month CD

Birmingham City Credit Union Locations
Branch Office708 17th St NBirmingham, AL 35203-2020

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