America’s First Birmingham AL Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to America's First at our Forestdale Branch, located conveniently at 1918 Veterans Memorial Dr, Birmingham, AL 35214. Since opening our doors in 1936, we have proudly served our community, growing to a vibrant membership of over 195,000 individuals who trust us with their financial needs. With total assets exceeding $2.5 billion, we are committed to providing personalized banking solutions that empower our members and enhance their financial well-being. At America's First, we understand that every member's journey is unique. That's why we offer a range of services tailored to meet your specific needs from checking and savings accounts to auto loans and business banking solutions. Our focus on community impact drives us to create value not just for our members but also for the neighborhoods we serve. Under the leadership of our CEO, Bill Connor, and Board President, Ross Mitchell, we maintain a strong commitment to excellence and integrity in all our operations. Our dedicated team of 436 employees works diligently to ensure you receive the best service possible. We take pride in being more than just a financial institution; we're a partner in your success. For official correspondence, please note that while you can visit us at our branch address, you may also send mail to the same location: 1918 Veterans Memorial Dr, Birmingham, AL 35214-2048. We invite you to explore what America's First has to offer. Whether you're looking to open an account or need assistance with loans or mortgages, don't hesitate to reach out! Call us at (205) 798-8914 or visit our website at www.amfirst.org for more information. Join us today and become part of a community that values trust, support, and shared success!

Branch History & Mission

Commitment to Community and Innovation

We take pride in being more than just a credit union; we are part of the Birmingham community. Our outreach efforts include partnerships with local organizations and initiatives designed to support education, financial literacy, and economic growth in the area. We're also committed to ensuring accessibility for all our members by providing ADA-compliant facilities and services. In addition to traditional banking services available from 9:00 am - 5:00 pm Monday through Thursday and until 6:00 pm on Friday, we embrace digital advancements like online banking and mobile payments. This allows us to offer convenient options such as ATM access and drive-thru banking for quick transactions.

Join Us

We invite you to experience the difference at America's First. Become part of a community-focused credit union that prioritizes your needs while making a positive impact on the world around us. Visit us today or learn more about membership opportunities at our website. Together, let's build a brighter future!

Our Evolution

From our humble beginnings nearly nine decades ago, America's First has continuously evolved to meet the changing needs of our members. Over the years, we've expanded our offerings and adapted to new technologies while maintaining our core values of service and integrity. Today, we proudly manage total assets of over $2.5 billion and offer a wide range of financial products tailored to help individuals and families achieve their financial goals.

Our Mission

Our mission is simple yet powerful: to enhance the lives of our members through exceptional banking services while actively supporting and uplifting our community. We believe that everyone deserves access to quality financial resources. Whether it's personal banking, auto loans, mortgages, or business banking solutions, we strive to create opportunities for our members that go beyond traditional banking. While members can visit us at 1918 Veterans Memorial Dr for their banking needs, official correspondence should be sent to 1918 Veterans Memorial Dr, Birmingham, AL 35214-2048.

Branch Location & Accessibility

Convenience and Accessibility

Our branch is designed with your convenience in mind. Whether you're stopping by for a quick transaction or looking to discuss your financial goals, you'll find parking readily available nearby. Plus, we ensure accessibility for everyone with features like ramps and compliant facilities. If you're coming from a nearby landmark such as the Birmingham Zoo or Red Mountain Park, you'll find us just a short drive away, making it easy to fit your banking into your day.

Get in Touch

We invite you to visit us at the Forestdale Branch or give us a call at 205-798-8914 if you have any questions or need assistance. We're here to help you achieve your financial dreams stop by today!

Operating Hours and Services

At America's First, we understand that life can be busy. That's why our lobby hours are tailored to accommodate your schedule: we're open from 9:00 am to 5:00 pm Monday through Thursday, and until 6:00 pm on Fridays. Our dedicated team is here to assist you with a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. For those who prefer more flexibility, we also offer drive-thru banking for deposits and withdrawals along with ATM access for quick cash withdrawals or balance inquiries.

Member Eligibility

At America's First, we believe that becoming a member is like joining a welcoming family where your financial well-being is our priority. If you're looking to join us at our Birmingham branch, located at 1918 Veterans Memorial Dr, you'll be pleased to know that eligibility is open to a wide range of individuals. Whether you live, work, or worship in the area, or if you're related to someone who does, you likely qualify for membership! This means that by simply being part of our community, you can access all the fantastic benefits we offer from personal loans and mortgages to online banking services. To get started on your membership journey, visit our website for detailed eligibility criteria at this link. Opening an account with us is straightforward and hassle-free. You can easily complete the process online by following the instructions found here. Should you have any questions or need assistance, don't hesitate to call us at 205-798-8914. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Empower

Imagine easily accepting payments from customers while managing your cash flow seamlessly. Our merchant services make it possible for local businesses like yours to thrive. You can process transactions quickly and securely, allowing you more time to focus on what matters most growing your business. Located at 1918 Veterans Memorial Dr, Birmingham, AL 35214, we're here to help you take the next step. Connect with us today at 205-798-8914 and explore how we can partner in your success!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking

If you're a business owner, America's First has got you covered with our comprehensive business banking services. We offer merchant services and business loans that empower you to grow your enterprise while keeping your finances in check.

Digital Banking Convenience

In today's fast-paced world, accessibility is crucial. That's why we emphasize our online and mobile banking services, giving you the power to manage your accounts anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions, we ensure that accessing your money is straightforward and hassle-free.

Member Support

Our commitment to excellent member service means we're just a phone call away at (205) 798-8914 during our operating hours of 9:00 am - 5:00 pm Monday through Thursday and 9:00 am - 6:00 pm on Fridays. Whether you're seeking advice on choosing the right account or need assistance with any service, our friendly staff is here to help. At America's First, we believe in building lasting relationships with our members through reliable support and diverse financial solutions. Explore how we can assist you by visiting us at Forestdale Branch or giving us a call today!

Personal Banking

Our personal banking options are tailored to provide you with flexibility and convenience. You can choose from various checking and savings accounts that fit your lifestyle. If you're considering purchasing a vehicle, our auto loans and vehicle financing make it easy to drive away in the car you want without breaking the bank. Additionally, we offer mortgage loans and refinancing options, helping you secure your dream home or lower your monthly payments. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services can assist you in managing those challenges effectively. Plus, our credit cards with rewards allow you to earn points on everyday purchases, making every dollar count.

Digital & Online Banking

Key Features

Our 24/7 online banking services mean you're never far from your accounts. You can access essential features like e-statements, which allow you to view your statements electronically no more paper clutter! If you prefer to handle things on the go, our mobile application makes banking even easier. With just a few taps, you can check balances, transfer funds, and even make mobile payments with ease. Need to send money to friends or family? Our person-to-person transfer feature lets you do this quickly and securely. Plus, with electronic signature authorization available, signing documents has never been simpler or safer.

Security and Accessibility

We prioritize your security while providing seamless access to your accounts. Our digital services are equipped with robust security measures to keep your information safe. You can bank with confidence knowing that we take the protection of your personal data seriously. Whether you're at home or on the move, managing your finances has never been more accessible. From e-statements to mobile payments, each service is designed to fit into your lifestyle effortlessly. Explore all these features and more by visiting us at https://www.amfirst.org/ today!

Financial Strength

Commitment to Growth

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 members' financial goals across various sectors with $1,966,742,791 in total loans and leases and $35,566 in used auto loans.

Growing Member Base

Total Share Accounts stand at 369,393, showing a strong and growing member base that trusts us with their finances. Our commitment to you means that whether you're saving or borrowing, we're here to support your journey every step of the way. 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 1918 Veterans Memorial Dr Birmingham Al 35214 or call 205-798-8914 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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.

Secure Savings Options

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.

Strong Financial Position

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 11.31% 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $750,972,118 in used vehicle loans and $447,431,231 in new vehicle loans already helping members get on the road. We provide financing options that make it easy for you to drive off with a reliable vehicle.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $14,884,162 provide the capital needed to expand operations or invest in new ventures. We're dedicated to supporting local businesses as they thrive and contribute to our community. In addition to these offerings, we have refinancing options available if you're looking to adjust your current loans for better terms or lower payments. Eligibility criteria are straightforward and designed to assist as many members as possible. To learn more about our loan products or how to apply for one today, give us a call at 205-798-8914 or visit us at 1918 Veterans Memorial Dr Birmingham Al 35214. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At America's First, we're here to help you take the next step towards achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $178,150,760, make buying or refinancing simple. We offer various mortgage products that can help you secure your family's future in a home you love.

Unsecured Credit Card Loans

For those looking for flexibility in managing everyday expenses, we also offer unsecured credit card loans. With a total of $43,761,685 in loans helping members manage their finances effectively, our credit card options provide convenience and peace of mind.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This ensures that users can access the most accurate information available without sifting through confusing offers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to verified data means users can trust that all offers are fair and transparent. One of the key benefits of using LendMesh is its focus on transparency. All loan offers are sourced from legitimate financial institutions, ensuring that users are not led astray by misleading claims or unverified offers. Additionally, LendMesh does not prioritize lenders based on paid promotions this means you will always receive unbiased results when searching for loans. Real-time rate comparisons are another significant advantage of using LendMesh. Users can view up-to-date loan rates from multiple institutions, enabling them to make informed decisions that best suit their financial needs. Thousands of users trust LendMesh for loan comparisons; one member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking to compare real-time loan offers, visit LendMesh today and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Americas First