Birmingham City Credit Union

Headquarters

708 17th St N
Birmingham, AL 35203
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.85% →
1-Year CD 0.50% 0.75% →
2-Year CD 0.75% 0.80% →
5-Year CD 1.25% 1.25% →
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

Birmingham City is an NCUA insured institution located in Birmingham, AL. It was founded in 1956 and has approximately $9.62 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 64528
Date Established 1956
Assets $9.62 million
Loans $5.98 million
Deposits $8.02 million
Capital $1.56 million
 

Deposit Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More

Loan Rates - October 24, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BIRMINGHAM CITY

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 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.816% 2.750% 0.88 $2,145 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
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 BIRMINGHAM CITY
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Birmingham City 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


Birmingham City Locations



Climate Initiatives

BIRMINGHAM CITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Birmingham City Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Birmingham City. 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
Birmingham City U.S. Average
2.17% 3.79

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, 2021, Birmingham City had $18,285 in non-current loans and $18,068 in owned assets. To cover these potential losses it had $1,557,151 in net worth and $120,564 in loans loss reserves. That gives it a Texas Ratio of 2.17%.

Net Worth
Birmingham City U.S. Average
16.18% 12.22%

Birmingham City FCU has a net worth of 16.18% versus the BestCashCow average of 12.22. 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 Birmingham City

Branches and Savings

What is Birmingham City?

A credit union, registered with the NCUA under certificate #64528.
Learn more about credit unions here.

Is Birmingham City 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. Birmingham City is insured by the NCUA.

Who can join Birmingham City?

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

What are Birmingham City's share account and share certificate rates?

Birmingham City'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 Birmingham City?

Birmingham City has total capital of $1.56 million. Full information on Birmingham City's financial position is located above.

Who owns Birmingham City?

Credit Unions are owned by their members.

Where are Birmingham City branches located?

See branch locations nearby.

Are Birmingham City ATMs Open 24/7?

Do Birmingham City ATMs accept cash deposits?

Can Birmingham City customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Birmingham City have a mobile app?

Does Birmingham City have mobile deposit?

Does Birmingham City have quick pay?

How can Birmingham City transfer money to other banks or credit unions?

Does Birmingham City report to credit bureaus?

Does Birmingham City use Chexsystems?

Does Birmingham City use Equifax?

What is Birmingham City's toll free phone number?

What is Birmingham City's ACH Routing Number?

What is Birmingham City's SWIFT code?

Where can I find Birmingham City's wire transfer form?

What is the Birmingham City address for deposits?

What Products Does Birmingham City Offer

Does Birmingham City offer mortgages?

Compare mortgage rates here.

Does Birmingham City offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Birmingham City offer auto and RV loans?

Compare auto loan rates here.

Does Birmingham City offer student loans or personal loans?

Compare personal loan rates here.

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