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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Birmingham City Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Birmingham City Credit Union's 18 month CDs rates are at 5.00%, 24 month CDs rates are at 3.50%, 36 month CDs rates are at 3.00%, 48 month CDs rates are at 3.00%, 60 month CDs rates are at 3.00%. Birmingham City Credit Union's savings rates are at 0.70%. MonitorBankRates evaluates the financial stability of Birmingham City Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.48%. Rates were last updated on 04/19/2026. Birmingham City Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Birmingham City Credit Union? Share your experience about Birmingham City Credit Union by leaving a review below, or read customer reviews before you decide to use Birmingham City Credit Union. Birmingham City Credit Union
Birmingham City Credit Union 2725 35th Ave N
https://www.bhamcu.org Birmingham, AL 35207 2839 
Birmingham City Credit Union CD Rates
Birmingham City Credit Union Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Birmingham City Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Birmingham City Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Birmingham City Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Birmingham City Credit Union
Website
https://www.bhamcu.org
Address
2725 35th Ave N,
Birmingham, AL 35207 2839
Phone
205-583-4654
Fax
205-583-4654
President
James Robinett
CEO
Kristin Finch
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.48%
Return on Assets (ROA)
2.5627%
Return on Equity (ROE)
12.2053%
Non-Performing Loans Ratio (NPL)
1.43%
Total Assets
9,331,609
Total Amount of Shares and Deposits
7,286,498
Total Shares and Deposits < 1 Year
7,245,819
Total Shares and Deposits 1 3 Years
40,680
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,286,498
Total Interest Expense (Sum of items 6 8)
36,330
Share Certificates
30
Number of Accounts for Share Drafts
692
IRA KEOGH Accounts
3
Number of Accounts for Regular Shares
2,181
All other shares
82
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,051,124
Total Liabilities
7,372,270
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Birmingham City Credit UnionIs Birmingham City Credit Union a safe place to deposit money?Yes, Birmingham City Credit Union is considered a safe financial institution. With a Texas Ratio of 4.4836107309189%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Birmingham City Credit Union operate?Birmingham City Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Birmingham City Credit Union?Yes, to access services at Birmingham City Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Birmingham City Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Birmingham City Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Birmingham City Credit Union offer online and mobile banking?Most modern institutions like Birmingham City Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bhamcu.org. Current Birmingham City Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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