2020 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 $1740.43 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 |
| Charter Number # | # 24534 |
| Date Established | 1936 |
| Assets | $1,740.43 million |
| Loans | $1,313.27 million |
| Deposits | $1,532.17 million |
| Capital | $191.62 million |
Field of Membership Restrictions
Deposit Rates - August 11, 2020
Your Current Location: Connecticut, CT 06828
| 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 | |
|---|---|---|---|---|
| 3 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 3 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 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 - August 11, 2020
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 2020
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2890 License#: 13256 |
2.914% | 2.875% | 0.50 | $1,250 | $1,038 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2020
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
PenFed Credit Union |
3.750 %
|
$0 |
Learn More
More Info |
Third Federal Savings and Loans |
2.990 %
|
$0 |
Learn More
More Info |
People's United Bank, N.A. |
4.000 %
|
$0 |
Learn More
More Info |
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 |
|---|---|
| 6.06% | 6.71 |
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 March 30, 2020, America's First had $10,925,073 in non-current loans and $1,038,942 in owned assets. To cover these potential losses it had $191,624,523 in net worth and $5,816,491 in loans loss reserves. That gives it a Texas Ratio of 6.06%.
Net Worth
| America's First | U.S. Average |
|---|---|
| 11.01% | 13.61% |
America's First FCU has a net worth of 11.01% versus the BestCashCow average of 13.61. 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.
Is America's First FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join America's First?
Please see Field of Membership information above for information on who is eligible to join.
How big is America's First?
America's First has total capital of $191.62 million. Full information on America's First's financial position is located above.
Who owns America's First?
Credit Unions are owned by their members.
Where are America's First branches located?
See branch locations nearby.
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 home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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