America’s First Birmingham AL Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to America's First, your trusted partner in financial success, located at 1200 4th Ave N, Birmingham, AL 35203. Since our establishment in 1936, we have proudly served our community with a commitment to empowering members through exceptional financial services. With over 195,000 members and total assets exceeding $2.5 billion, we're dedicated to providing personalized solutions that meet your unique needs. At America's First, we understand that banking is about more than just transactions; it's about building relationships and fostering trust. Our experienced team is led by CEO Bill Connor and Board President Ross Mitchell, who are passionate about helping you achieve your financial goals. Whether you're looking for personal banking options like checking and savings accounts or need assistance with loans and mortgages, we've got you covered. While members can visit us at our branch, official correspondence should be sent to our mailing address: P.O. Box 11349, Birmingham, AL 35203. With total deposits of $241 million and a net worth of $284 million, we take pride in our strong financial foundation that ensures your money is safe and secure. Explore our wide range of services including auto loans, credit cards with rewards, business banking solutions, and online banking features designed for your convenience. Plus, with over 436 employees ready to assist you, we strive to make every interaction a positive one. Ready to experience the difference? Call us today at 205-320-4185 or visit our website at www.amfirst.org to learn more about how we can help you thrive financially!

Branch History & Mission

A Legacy of Growth

Over the years, America's First has grown significantly. From humble beginnings, we now boast total assets of over $2.5 billion. This growth reflects our unwavering commitment to providing quality services and fostering lasting relationships with our members. We are proud to be part of Birmingham's vibrant community, where we strive to make a meaningful impact through various outreach programs and partnerships.

Community Engagement

We understand that being a credit union means more than just managing finances; it's about being a responsible neighbor. Our initiatives include educational programs for local schools and partnerships with organizations dedicated to improving the lives of those around us. By investing in our community, we aim to create a brighter future for all.

Join Us Today!

As we continue our journey into the future, we invite you to become part of the America's First family. Experience firsthand how we're not just another credit union; we're your partner in financial success. Visit us during our operating hours Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM or call us at 205-320-4185 for more information on how you can join. Together, let's build a brighter tomorrow!

Modern Banking Solutions

Embracing technology has allowed us to enhance your banking experience. With features like online and mobile banking, e-statements, and secure digital payments, we prioritize convenience while ensuring safety and compliance with ADA standards.

Our Mission

At America's First, our mission is simple yet powerful: to empower our members by providing exceptional financial services while supporting our community. We believe that everyone deserves access to affordable banking options and the resources needed to achieve their financial goals. Whether you're seeking personal loans, auto financing, or business banking solutions, we are here to help you every step of the way. While members can visit us at our branch address, official correspondence should be sent to P.O. Box 11349, Birmingham, AL 35203.

Branch Location & Accessibility

Convenient Access and Amenities

At America's First, we understand that accessibility is key. Our branch features ADA-compliant facilities, ensuring that everyone can enjoy our services comfortably. We also offer ample parking for members visiting in person. If you're on the go, take advantage of our drive-thru banking service for quick deposits and withdrawals without leaving your vehicle.

Operating Hours and Services

We are here for you during convenient hours: Monday through Thursday from 9:00 AM to 5:00 PM, and Fridays from 9:00 AM to 6:00 PM. Whether you're looking to open a new account, apply for an auto loan, or simply have questions about our services, our friendly staff is ready to assist you. You can also access our ATM services anytime for cash withdrawals and balance inquiries. With a range of personal banking options including checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions available at your fingertips, we strive to meet all your financial needs.

Visit Us Today!

We invite you to stop by America's First at 1200 4th Ave N or give us a call at 205-320-4185. Our team is eager to help you with your banking journey. Experience the difference that community-focused service can make!

Member Eligibility

Becoming a member of America's First feels like joining a family that truly cares about your financial well-being. If you're interested in being part of our supportive community, eligibility is open to individuals who live, work, worship, or attend school in certain areas, as well as their immediate family members. This means that if you have a connection to our vibrant community here in Birmingham at 1200 4Th Ave N Birmingham Al 35203, we'd love to welcome you! To learn more about the specific criteria and see if you qualify, feel free to check out our detailed information at https://www.amfirst.org/why/become-a-member/. Joining us is straightforward and rewarding. Once you've confirmed your eligibility, you can easily open an account online by visiting https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3b-glbedv28paokizazcpsiysz_jued5xtutqyvby3-. If you have any questions or need assistance during the process, don't hesitate to give us a call at (205) 320-4185. We're excited to help you take this step towards better banking!

Business Banking & Commercial Services

Business Loan Options

Imagine being able to invest in new equipment or expand your physical space without the stress of financial constraints. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $34 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $12 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $14,884,162, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's competitive market, having reliable payment processing is crucial. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. By offering easy-to-use tools for payments, you can enhance customer experiences and streamline operations. Discover how America's First, located at 1200 4Th Ave N Birmingham Al 35203 in Birmingham, AL, can empower your business journey. Connect with us today at (205) 320-4185!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it easy for you to drive off in your dream vehicle without breaking the bank. We provide competitive rates and flexible terms that suit your budget. Plus, our team is here to guide you through the entire process, ensuring everything is simple and straightforward.

Business Banking Services

We also cater to small business owners with our business banking services. From merchant services that help streamline transactions to tailored business loans designed for growth and development, we're committed to helping local businesses thrive in Birmingham.

Convenient Banking Solutions

To enhance your banking experience further, we offer online and mobile banking, making it easy for you to manage your accounts from the comfort of your home or on the go. Need cash? Utilize our ATM services for quick withdrawals and balance checks without any hassle. Additionally, our basic drive-thru service allows you to conduct simple transactions like deposits and withdrawals without leaving your car a perfect solution for busy days. At America's First, we strive not just to meet but exceed your expectations in banking services. If you're ready to take the next step towards achieving your financial goals or if you have questions about any of our services, don't hesitate to reach out! Call us at 205-320-4185 today or visit us at 1200 4Th Ave N in Birmingham for personalized assistance. Your financial journey starts here!

Credit Cards with Rewards

Enjoy shopping with our credit cards with rewards program. Earn points on every purchase that can be redeemed for cash back, travel rewards, or gift cards. It's a great way to maximize your spending while enjoying additional benefits!

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance their existing mortgage, we offer comprehensive mortgage loans. Our dedicated loan officers will work with you to find the best mortgage solution that fits your financial situation. We understand that buying a home is one of the biggest decisions you'll make, and we're here to support you every step of the way.

Personal Banking

Our personal banking services are tailored to meet your everyday financial needs. We offer various checking and savings accounts that help you manage your money effectively. You can easily access your accounts online or through our mobile banking app, allowing you to check balances, transfer funds, and pay bills anytime, anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can help ease your financial burden. With quick approval times and reasonable interest rates, we aim to provide solutions that empower you rather than overwhelm you.

Digital & Online Banking

Key Features

Our online services include E-Statements, allowing you to view your account statements electronically saving paper and providing quick access whenever you need it. If you're busy or just prefer digital solutions, you'll appreciate our Mobile Application, which is available for download on your smartphone. This app brings all the features of online banking right to your fingertips. For those moments when you need to send money quickly, our Person-to-Person Transfers let you send cash to friends or family with just a few taps. Plus, with our Mobile Payments feature, you can make purchases using your mobile device securely and conveniently. We also prioritize security in all our transactions. You can use Electronic Signature Authorization for signing documents digitally, making it easier and safer to complete important tasks without needing to visit a branch. At America's First, we're committed to providing accessible banking solutions that fit into your lifestyle. Whether you're at home or on the move, our digital services are designed with your needs in mind making it easy for you to manage your finances efficiently. Join us today and discover how simple banking can be!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 369,393, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, America's First is your trusted partner. Visit us at 1200 4Th Ave N Birmingham Al 35203 or call 205-320-4185 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $593,125,482 in share certificates and $205,559,879 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $0 reflects our operational efficiency while enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 411 full-time employees and 25 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Better Services

With $280,830,625 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,566 in used auto loans and $1,966,742,791 in total loans and leases.

Strong Financial Health

With a net worth of $284,700,495, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1131 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

At America's First, we understand that securing the right loan can be a pivotal moment in your financial journey. Whether you're looking to purchase a new car, buy your first home, or simply need a little extra cash, our diverse range of loan products is designed to meet your needs. With over 120,593 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans stand out in the industry with competitive rates. Looking to buy a new car? Our auto loans offer some of the lowest rates around, with over $750,972,118 in used vehicle loans and $447,431,231 in new vehicle loans already helping members get on the road. If homeownership is on your mind, consider our mortgage options. We offer Junior Lien 1-4 Family Residential Properties loans totaling $178,150,760, making buying or refinancing simple and accessible. For those who prefer flexibility in managing their finances, we also provide unsecured credit card loans. We have a total of $43,761,685 in these loans available to help you navigate your expenses effectively. Our offerings don't stop there; for business owners looking for growth opportunities, our outstanding commercial loans totaling $14,884,162 provide the capital needed to expand and succeed. If you're considering refinancing or want to know about eligibility options for any of these products, feel free to reach out. You can contact us at 205-320-4185 or visit us at our branch located at 1200 4Th Ave N Birmingham Al 35203. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whatever your financial needs may be, America's First is here to support you every step of the way with reliable loan solutions tailored just for you.

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Americas First