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America'S First

P.O. Box 11349, Birmingham, AL 35203
NCUA Insured4.4 (302 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

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

Location & Directions

Address

P.O. Box 11349

Birmingham, AL 35203

Service Area

This credit union is located in Birmingham and serves members in the AL area. Currently serving 194,683 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

5.52%

Used Auto Loan

5.86%

Personal Loan

9.86%

Credit Card APR

8.84%

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).

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

Branches & Locations(22 total)

Member Reviews

4.4

302 Google reviews

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

View on Google Maps
Danielle Brown

Danielle Brown

3 months ago

Had a great experience with my teller. I'm not sure of her name, but she was in the middle of the stand and she was the nicest. We had a great conversation while also making sure to handle business as pleasantly as possible. It's such a breath of fresh air to run into someone with great customer service skills in this day and age.

Julie Adams

Julie Adams

4 months ago

I worked with Erica Bennett to purchase a vehicle in September 2023, and I couldn’t have been happier with the experience. When my son began looking for a vehicle, I knew Erica had to be our first call. She supports her clients through every step of the process—from providing Carfax reports on potential purchases to making sure they receive the best possible warranty. Walking into a dealership with financing already handled, makes the car buying process take significantly less time. She turns what can be a complicated and stressful experience into something seamless and easy. She is my first and only reference for someone needing financing for an auto-loan! Erica truly treats her customers like family, and that level of care is invaluable.

Jazmyn Malone

Jazmyn Malone

3 months ago

Kiara was MORE than helpful!! she was informative & answered all questions I had. She got me exactly what I was looking for & also made suggestions. As a new member she made my welcome warm and professional!!

Jennifer Cataldo

Jennifer Cataldo

6 months ago

We went to Amfirst today after we had a horrible experience at another bank! Our new friend Lesley at the branch on 4th ave in birmingham al was so wonderful! She was very patient and answered every question we had! She made us feel like we were her top priority! Thank you so much for your help and kind patience!!!

Kym Lan

Kym Lan

5 months ago

Kelsey Smith-Jones had an amazing attitude. Her personality was above and beyond the 5 stars given here. We need more people like Kelsey in today's work place.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).