America's First Federal Credit Union

Headquarters

P.o. Box 11349
Birmingham, AL 35203
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.10%	4.66% →
1-Year CD	0.50%	4.59% →
2-Year CD	0.75%	4.25% →
5-Year CD	1.25%	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 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 $2517.91 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	$2,517.91 million
Loans	$2,007.83 million
Deposits	$2,212.36 million
Capital	$288.30 million

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 - June 15, 2025

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.10%	$2,500	$4,999	Learn More Reviews
Money Market	0.10%	$2,500	$2,999	Learn More Reviews
Money Market	0.20%	$10,000	$14,999	Learn More Reviews
Money Market	0.30%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.25%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.25%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
30 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
30 Mo CD	0.85%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.95%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.95%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.00%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.00%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.25%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.25%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	1.00%	$1	$499	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.05%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - June 15, 2025

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 2059741	6.560%	6.490%	0.75	$2,326	$2,021	Learn More
NMLS ID: 181106 License#: 1998387	6.563%	6.375%	0.88	$6,426	$1,997	Learn More
NMLS ID: 1025894	6.702%	6.625%	0.63	$2,562	$2,049	Learn More
NMLS ID: 401822	6.746%	6.625%	0.63	$3,995	$2,049	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 10.125 % After Intro: 10.125 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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:
Seattle,Washington

America's First Locations around zip code 98109

Branch	Distance	Map	View Lobby Hours
Cullman Branch	2098.67	A	View Lobby Hours
Forestdale Branch	2114.59	B	View Lobby Hours
Hueytown Branch	2114.87	C	View Lobby Hours
Gardendale Branch	2116.17	D	View Lobby Hours
Bessemer Branch	2116.19	E	View Lobby Hours
Ensley Branch	2117.63	F	View Lobby Hours
McCalla Branch	2117.92	G	View Lobby Hours
Main Office	2120.60	H	View Lobby Hours
Roebuck Branch	2123.70	I	View Lobby Hours
Hoover Branch	2124.81	J	View Lobby Hours
Trussville Branch	2126.47	K	View Lobby Hours
Inverness Branch	2128.77	L	View Lobby Hours
Leeds Branch	2133.04	M	View Lobby Hours
Talladega Branch	2157.44	N	View Lobby Hours
Mobile Branch	2158.94	O	View Lobby Hours
Anniston/Oxford Branch	2166.36	P	View Lobby Hours

View Branches Nationwide →

Climate Policy and 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.

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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
12.32%	7.07

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, 2024, America's First had $35,153,300 in non-current loans and $982,528 in owned assets. To cover these potential losses it had $288,299,720 in net worth and $5,129,487 in loans loss reserves. That gives it a Texas Ratio of 12.32%.

Net Worth

America's First	U.S. Average
11.44%	14.25%

America's First FCU has a net worth of 11.44% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for America's First

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