Acipco

PO BOX 2727, Birmingham, AL 35202

NCUA Insured3.9 (31 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 2727

Birmingham, AL 35202

Google Maps 🗺Waze

(205) 328-4371

Service Area

This credit union is located in Birmingham and serves members in the AL area. Currently serving 8,894 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.50%

Used Auto Loan

5.50%

Personal Loan

10.00%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

North Alabama Papermakers— New Auto Loan

Stevenson, AL

2.36%

Nrs Community Development— Used Auto Loan

Birmingham, AL

2.25%

Baldwin County— Personal Loan

Bay Minette, AL

6.99%

Eco— Credit Card APR

Birmingham, AL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.9

31 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Jennifer L

4 months ago

I've had prior issues with getting locked out of online banking and slow to respond emails and I wish there was a second branch closer to my home but overall, they're much better than the other credit unions in Birmingham. We refinanced our vehicle in November and that was the best transaction I think I've ever done. Fast and efficient and restored my faith in the credit union. Thanks for being a small business and having capable staff to get things done efficiently.

Jessica Roberson

11 months ago

I have been a member of this credit union since I was in high school. Its seems like everytime you come in its all these new folks that don't know what a deposit and a hold is. I went in this morning and came across the new girl. All I told her was I want to make a deposit a deposit not cash a check. This girl sitting there reading my account and taking forever cause now I see she don't know what she is doing. Then the other lil girl comes over and say oh she new and in training. I ain't ask her for all that I just wanted the check deposited. They come telling me it has to be a hold on a deposit. Then here come Jessica asking do she need to help. I told her she could have cause clearly they don't know what a deposit means. I still trying to see what you come for and didn't do nothing. I been wanting to leave this credit union cause its been a joke for years with people with no customer service and don't know what they doing.

mtuscaloosa

6 months ago

They have always taken good care of my family with all of our needs.

Christina Z

2 years ago

I've been with ACIPCO since 2015 and have never had a negative experience. Melissa H. is amazing, and I was helped by Alexandria today, who also provided the excellent customer service. Professional, caring team of knowledgeable employees. Thanks for being so awesome!

Lady Swag Tv Cooking Plus More

4 years ago

This Credit Union is a complete joke. You can call about an issue and never get a complete answer, or call back about anything. They also don't go by what is on the app or web site. If you remote deposit it will take forever to get your funds. I feel it is just a replica of a bank.