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

Introduction

Welcome to America's First at our Ensley Branch, located at 1819 20th Street Ensley, Birmingham, AL 35218. With a strong foundation established in 1936, we have proudly served our community for over 85 years. Our commitment to providing exceptional financial services is reflected in our dedicated membership of 195,392 individuals and our robust financial standing, boasting total assets of $2,514,666,869. At America's First, we understand that banking is more than just transactions; it's about building relationships within our community. Whether you're looking for personal banking solutions like checking and savings accounts or seeking loans for your next vehicle or home purchase, we're here to help. Our total loans and leases stand at an impressive 120,593, ensuring we can meet a variety of member needs. While members can visit us at our branch for in-person service and support, official correspondence should be sent to the same address: 1819 20th Street Ensley, Birmingham, AL 35218. We also provide convenient online and mobile banking options so you can manage your finances wherever you are. Under the leadership of CEO Bill Connor and Board President Ross Mitchell, our team of 436 employees is dedicated to ensuring every member feels valued and supported. With a net worth of $284,700,495 and cash in hand totaling $30,814,871, we are well-equipped to serve your financial needs confidently. We invite you to explore all the services we offer ranging from auto loans to mortgage refinancing and experience firsthand how America's First can make a difference in your financial journey. Feel free to give us a call at 205-781-4220 or visit our website at www.amfirst.org for more information. Join us today and discover why so many choose America's First as their trusted credit union!

Branch History & Mission

Accessibility and Innovation

To ensure all members can access our services conveniently, we offer ATM availability and drive-thru banking at our Ensley branch. We also embrace technology with online banking options, mobile payments, and electronic signatures to streamline your banking experience. Our operating hours are designed with your schedule in mind open Monday through Thursday from 9 AM to 5 PM and Friday until 6 PM. While members can visit us at 1819 20Th Street Ensley Birmingham Al 35218, official correspondence should be sent to 1819 20th Street Ensley, Birmingham, AL 35218 if different from the branch address. If you have any questions or need assistance, don't hesitate to reach out at (205) 781-4220. As we continue to grow and adapt to meet the needs of our members, we invite you to join America's First Credit Union. Experience firsthand how we can empower your financial future while making a positive impact on our community. Together, let's build a brighter tomorrow!

Our Mission

At America's First, our mission is simple yet powerful: to provide accessible financial services while fostering community development. We believe that everyone deserves the chance to succeed financially, and we strive to make that possible through personalized service and innovative products. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we're here to help you every step of the way. Our dedication extends beyond banking. We actively engage in community outreach initiatives that strengthen our local neighborhoods. We understand that by supporting local causes and partnering with organizations in Birmingham and surrounding areas, we can make a real difference in people's lives.

Branch Location & Accessibility

Convenient Access and Amenities

At America's First, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. Parking is available nearby, so you won't have to worry about finding a spot when you visit us. Our operating hours are designed with your convenience in mind. We're open from 9:00 am to 5:00 pm Monday through Thursday and extend our hours until 6:00 pm on Fridays. This schedule allows you to stop by before or after work and still get your banking done.

Get in Touch

Ready to experience the exceptional service at America's First? Feel free to call us at 205-781-4220 if you have any questions or need assistance before your visit. We look forward to welcoming you in person!

Services Offered

We offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, our drive-thru service makes it easy for those quick transactions without having to step inside. You can also enjoy the convenience of ATM access right here at our branch.

Member Eligibility

Becoming a member of America's First is like joining a close-knit family that prioritizes your financial well-being. To qualify, you simply need to live, work, worship, or attend school in certain areas or meet specific criteria outlined on our eligibility page. It's all about connecting with the community and sharing in the benefits that come with membership. At America's First, you'll enjoy personalized service, competitive rates on loans and savings, and access to valuable resources designed to help you thrive financially. For more details on the eligibility requirements, feel free to check out this resource. Once you're ready to take the next step, opening an account is straightforward! You can start your journey with us by visiting our account opening page here. If you have any questions, don't hesitate to reach out at (205) 781-4220 we're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

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 addition to loans, our merchant services are here to help streamline your payment processes. Whether you're a retail store or a service provider, our solutions make it easy for you to accept payments from customers. This means more time focusing on what you do best running your business while we handle the transactions. Located conveniently at 1819 20Th Street Ensley Birmingham Al 35218, Birmingham, AL, we're ready to partner with you on your journey towards success. For more information, give us a call at (205) 781-4220 or visit us online at https://www.amfirst.org/.

Comprehensive List Of Services

Accessing Our Branch Services

If you prefer face-to-face interactions, our branch also offers basic drive-thru banking for quick transactions like deposits and withdrawals. Our friendly staff is ready to help during operating hours from 9:00 am - 5:00 pm Monday through Thursday and 9:00 am - 6:00 pm on Friday. No matter what financial journey you're on, America's First is here to help you navigate it smoothly. Don't hesitate to reach out! Call us at 205-781-4220 or visit us online at amfirst.org to learn more about how we can assist you today!

Business Banking Services

For our business members, we offer specialized banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we provide the tools necessary for your success.

Convenient Digital Banking

In today's busy world, convenience is key. That's why America's First provides robust online and mobile banking options. You can manage your accounts anytime, anywhere whether it's making deposits through mobile apps or accessing cash at ATMs. Our digital features include person-to-person payment options so you can send money effortlessly when needed.

Credit Cards with Benefits

Don't forget about our credit cards! With rewards programs designed to give back on your everyday purchases, you'll earn points that can be redeemed for various benefits. It's a great way to make your spending work for you while enjoying the security of responsible credit use.

Home Financing Options

Thinking about purchasing a home? Our mortgage loans and refinancing options are here to assist you. We work with you to find the best mortgage solution tailored to your budget and financial situation. Plus, if you're looking to consolidate debt or cover unexpected expenses, our personal loans offer a straightforward path to financial relief.

Personal Banking Solutions

Our personal banking services make managing your finances straightforward and efficient. With checking and savings accounts designed for everyday use, you can easily keep track of your spending while saving for what matters most. If you're considering buying a new car, our auto loans provide competitive rates and flexible terms to help you drive away in style without breaking the bank.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our mobile application takes banking on the go to a new level. Whether you're making mobile payments or transferring money to friends with our person-to-person transfer feature, everything is just a tap away. And if you prefer keeping track of your statements electronically, we offer e-statements for easy access to your financial documents without the clutter of paper. Security is a top priority at America's First. We provide electronic signature authorization for transactions, ensuring that your approvals are safe and secure. Our platform uses robust encryption technology so you can feel confident when using our services. We believe that banking should be user-friendly. That's why we've designed our digital tools to be intuitive, allowing you to manage your accounts with ease. From setting up automatic payments to viewing transaction history, everything is straightforward and efficient. In summary, whether you're at home or out and about in Birmingham, our digital banking services at America's First empower you to take control of your finances with confidence and simplicity. Join us today and experience how easy banking can be!

Financial Strength

Commitment to Excellence

Our commitment to operational efficiency is reflected in our $0. This allows 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, committed team.

Growing Community Trust

Total Share and Deposit Accounts: 369,393, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $585,914. 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 1819 20Th Street Ensley Birmingham Al 35218 or call (205) 781-4220 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

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.

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

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 $1,131 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. We have already assisted members with $750,972,118 in used vehicle loans and $447,431,231 in new vehicle loans. Whether you're purchasing a new or used vehicle, our financing options can help you get on the road quickly and affordably.

Business Loans

For business owners looking for capital to grow and expand their ventures, we have outstanding commercial loans totaling $14,884,162 available to support your business needs. Additionally, if you're considering refinancing options or want more information about eligibility for any of our loan products, feel free to visit our website or contact us directly. 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 Credit Union, we are committed to helping you navigate your financial journey with confidence and ease.

Credit Lines

For those needing ongoing access to funds, our total credit lines amounting to $235,222,769 are designed to give you financial flexibility when you need it most.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $178,150,760. This means you can confidently explore your homeownership dreams with our support.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $43,761,685 in these loans available, we help members manage their finances effectively without the need for collateral.

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 tool is designed to empower consumers with clear information, enabling them to make informed decisions about their financial needs. 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 guarantees fair and transparent offers, so users can trust the information they receive. One of the key benefits of using LendMesh is its Verified Data feature. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh prides itself on having No Sponsored Listings; lenders are not prioritized based on paid promotions. This means that users see unbiased results that truly reflect the current market conditions. With Real-Time Rate Comparisons, LendMesh provides up-to-date loan rates from multiple institutions. This feature helps users navigate their options effectively, making it easier to identify which loans best meet their 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!" This testimonial highlights how effective and reliable LendMesh can be in helping individuals secure better financial options. Compare real-time loan offers today at LendMesh 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