Birmingham City

2725 35th Ave N, Birmingham, AL 35207

NCUA Insured3.2 (15 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

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

Membership Eligibility

Anyone who lives, works, or worships in or around Birmingham, AL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1956

Low-Income Designated

Minority Depository Institution (MDI)

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

2725 35th Ave N

Birmingham, AL 35207

Google Maps 🗺Waze

(205) 583-4654

Service Area

This credit union is located in Birmingham and serves members in the AL area. Currently serving 2,648 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

4.85%

Used Auto Loan

5.75%

Personal Loan

10.80%

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(1 total)

Member Reviews

3.2

15 Google reviews

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

View on Google Maps

LadyPride

6 months ago

This has been the most frustrating credit union experience I’ve ever had. My interactions with manager Kristin Finch have been extremely disappointing. I’ve encountered inconsistent information, poor communication, and what felt like dismissive behavior when addressing legitimate concerns. Policies don’t seem to be applied consistently, and the handling of loan eligibility and other decisions has raised serious questions for me. I genuinely feel that we as City of Birmingham employees who rely on this credit union deserve better service and professionalism. Based on my experience, I cannot recommend banking here.

Dre B

a year ago

As a city employee committed to serving the community—often on modest pay—every dollar matters. Unfortunately, this credit union has shown little regard for its members or their finances. I recently opened an account with BHAMCU and was immediately hit with an unexpected fee for a standard transaction—something I’ve never been charged for by any other bank or credit union. When I called to ask about the charge and whether it could be waived, I was shocked by the response from Carrie Player, the CEO and President. Her tone was dismissive from the start. Rather than helping resolve the issue, she blamed me for not knowing the policy—on an account I had opened less than three weeks earlier. She also claimed she lacked the authority to refund the fee. For a place that markets itself as member-focused, fees seem to be the norm: $25 here, $30 there, with restrictions that make it difficult even to close your account without incurring yet another charge. They require a six-month wait—or a $25 early closure fee—just to leave. BHAMCU lost my trust from the beginning. If you’re considering banking here, I strongly advise you to look elsewhere. Once you’re in, you’re stuck—at least for a while.