1st Resource

Headquarters

47 W Oxmoor Rd
Birmingham, AL 35209
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 0.65% →
1-Year CD 0.75% 0.70% →
2-Year CD 1.00% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

1st Resource is an NCUA insured institution located in Birmingham, AL. It was founded in 1940 and has approximately $49.15 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 64232
Date Established 1940
Assets $49.15 million
Loans $34.42 million
Deposits $44.48 million
Capital $4.54 million
 

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.

Deposit Rates - June 22, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.50% $2,500 $4,999 Learn More
Money Market
0.50% $2,500 $2,999 Learn More
Money Market
0.50% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
Special: 15 Mo CD
1.00% $10,000 - Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More

Loan Rates - June 22, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for 1ST RESOURCE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.696% 2.625% 0.88 $2,330 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.475% 3.375% 0.75 $3,125 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to 1ST RESOURCE
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are 1st Resource branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


1st Resource Locations


Financial Details

1st Resource Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Resource. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
1st Resource U.S. Average
1.04% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, 1st Resource had $35,673 in non-current loans and $15,000 in owned assets. To cover these potential losses it had $4,536,468 in net worth and $323,200 in loans loss reserves. That gives it a Texas Ratio of 1.04%.

Net Worth
1st Resource U.S. Average
9.22% 12.67%

1st Resource FCU has a net worth of 9.22% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About 1st Resource

Branches and Savings

What is 1st Resource?

A credit union, registered with the NCUA under certificate #64232.
Learn more about credit unions here.

Is 1st Resource FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. 1st Resource is insured by the NCUA.

Who can join 1st Resource?

Please see Field of Membership information above for information on who is eligible to join.

What are 1st Resource's share account and share certificate rates?

1st Resource's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is 1st Resource?

1st Resource has total capital of $4.54 million. Full information on 1st Resource's financial position is located above.

Who owns 1st Resource?

Credit Unions are owned by their members.

Where are 1st Resource branches located?

See branch locations nearby.

Are 1st Resource ATMs Open 24/7?

Do 1st Resource ATMs accept cash deposits?

Can 1st Resource customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does 1st Resource have a mobile app?

Does 1st Resource have mobile deposit?

Does 1st Resource have quick pay?

How can 1st Resource transfer money to other banks or credit unions?

Does 1st Resource report to credit bureaus?

Does 1st Resource use Chexsystems?

Does 1st Resource use Equifax?

What is 1st Resource's toll free phone number?

What is 1st Resource's ACH Routing Number?

What is 1st Resource's SWIFT code?

Where can I find 1st Resource's wire transfer form?

What is the 1st Resource address for deposits?

What Products Does 1st Resource Offer

Does 1st Resource offer mortgages?

Compare mortgage rates here.

Does 1st Resource offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Resource offer auto and RV loans?

Compare auto loan rates here.

Does 1st Resource offer student loans or personal loans?

Compare personal loan rates here.

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