America's First Federal Credit Union
P.o. Box 11349
Birmingham, AL 35203
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2022 Overview
General Credit Union Information
America's First is an NCUA insured institution located in Birmingham, AL. It was founded in 1936 and has approximately $2209.07 millions in assets.
Who can join?
You can become a member if you live, work, worship or attend school in one of the following counties in Alabama:
Bibb
Blount
Chilton
Jefferson
Shelby
St. Clair
Walker
You are also eligible if you live, work, worship or attend school in Calhoun County or certain areas of Mobile and Talladega counties.
Membership is extended to immediate family members of all current members of America's First.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24534 |
| Date Established | 1936 |
| Assets | $2,209.07 million |
| Loans | $1,234.07 million |
| Deposits | $1,967.38 million |
| Capital | $229.37 million |
Field of Membership Restrictions
Deposit Rates - May 21, 2022
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
1.00% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - May 21, 2022
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for AMERICA'S FIRST
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2022
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
5.990% | 5.875% | 0.75 | $3,125 | $1,479 | Learn More |
NMLS ID: 3030 |
6.013% | 5.875% | 1.00 | $3,750 | $1,479 | Learn More |
NMLS ID: 399798 |
5.433% | 5.375% | 0.63 | $1,612 | $1,400 | Learn More |
|
NMLS ID: 3030 |
6.013% | 5.875% | 1.00 | $3,750 | $1,479 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2022
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to AMERICA'S FIRST
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are America's First 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:
Ashburn,Virginia
Climate Initiatives
AMERICA'S FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
America's First Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of America's First. 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
| America's First | U.S. Average |
|---|---|
| 3.86% | 4.85 |
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, 2021, America's First had $8,454,268 in non-current loans and $583,457 in owned assets. To cover these potential losses it had $229,372,129 in net worth and $4,938,028 in loans loss reserves. That gives it a Texas Ratio of 3.86%.
Net Worth
| America's First | U.S. Average |
|---|---|
| 10.38% | 12.36% |
America's First FCU has a net worth of 10.38% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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