AMERICA'S FIRST

P.O. BOX 11349
Birmingham, AL 35203

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Reviews

2019 Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 24534
Date Established	1936
Assets	$1,648.68 million
Loans	$1,265.78 million
Deposits	$1,435.73 million
Capital	$185.27 million

America's First is an NCUA insured institution located in Birmingham, AL. It was founded in 1936 and has approximately $1648.68 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.

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.

Deposit Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.20%	$100	$9,999	Learn MoreShow Less
Money Market	0.55%	$2,500	$9,999	Learn MoreShow Less
Money Market	0.60%	$10,000	$24,999	Learn MoreShow Less
Money Market	0.70%	$25,000	$49,999	Learn MoreShow Less

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA	1.50%	$500	-	Learn MoreShow Less

CD Rates (Share Certificate Rates)	APY	MIN	MAX
3 Mo CD	0.35%	$500	-	Learn MoreShow Less
6 Mo CD	0.75%	$500	-	Learn MoreShow Less
12 Mo CD	1.50%	$500	-	Learn MoreShow Less
18 Mo CD	1.65%	$500	-	Learn MoreShow Less
24 Mo CD	1.75%	$500	-	Learn MoreShow Less
30 Mo CD	1.75%	$500	-	Learn MoreShow Less
36 Mo CD	2.00%	$500	-	Learn MoreShow Less
48 Mo CD	2.10%	$500	-	Learn MoreShow Less
60 Mo CD	2.35%	$500	-	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA	1.25%	$1	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.10%	$2,500	-	Learn MoreShow Less

Loan Rates - October 20, 2019

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 2890 License#: 13256	3.408%	3.375%	0.38	$1,020	$1,106	Learn More
NMLS ID: 3030	4.990%	4.990%	0.00	$0	$1,341	Learn More

See More Mortgage Rates →

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line	0.000 %	$0	Learn More More Info
Our APRs start at 4.99% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-4.99% of your initial draw depending on your credit score and the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. Low fixed loan rate. Borrow $15,000-$150,000. Approvals in 5 minutes, funding in as few as 5 days No appraisal fee. No maintenance fee. No pre-payment fee. No late fee. Get approved in 5 minutes. Funded in as little as 5 days.
Bethpage Federal Credit Union	Intro APR 3.990 % After Intro: 5.250 % Intro Period: 12 months	$25,000	Learn More More Info
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. APR Fixed for One Year Prime Rate for Life, Thereafter Prime Rate as of 1/22/2019 = 5.50% (Wall Street Journal). Floor APR=3.25%.
Third Federal Savings and Loans	3.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

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:
Fairfield,Connecticut

America's First Locations

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
5.12%	5.86

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 June 30, 2019, America's First had $8,029,573 in non-current loans and $1,727,648 in owned assets. To cover these potential losses it had $185,270,625 in net worth and $5,283,340 in loans loss reserves. That gives it a Texas Ratio of 5.12%.

Net Worth

America's First	U.S. Average
11.23%	13.65%

America's First FCU has a net worth of 11.23% versus the BestCashCow average of 13.65. 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 America's First

Branches and Savings

What is America's First?

A federal credit union, registered with the NCUA under certificate #24534.
Learn more about credit unions here.

AMERICA'S FIRST

2019 Overview

General Credit Union Information

Field of Membership Restrictions

Deposit Rates - October 20, 2019

Loan Rates - October 20, 2019

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Branches

America's First Locations

Financial Details

America's First Ratio Analysis

Texas Ratio

Net Worth

Frequently Asked Questions About America's First

Branches and Savings

What is America's First?

Is America's First FDIC insured?

Who can join America's First?

What are America's First's share account and share certificate rates?

How big is America's First?

Who owns America's First?

Where are America's First branches located?

Are America's First ATMs Open 24/7?

Do America's First ATMs accept cash deposits?

Can America's First customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does America's First have a mobile app?

Does America's First have mobile deposit?

Does America's First have quick pay?

How can America's First transfer money to other banks or credit unions?

Does America's First report to credit bureaus?

Does America's First use Chexsystems?

Does America's First use Equifax?

What is America's First's toll free phone number?

What is America's First's ACH Routing Number?

What is America's First's SWIFT code?

Where can I find America's First's wire transfer form?

What is the America's First address for deposits?

What Products Does America's First Offer

Does America's First offer mortgages?

Does America's First offer home equity lines of credit and home equity loans?

Does America's First offer auto and RV loans?

Does America's First offer student loans or personal loans?

Customer Reviews for America's First