Birmingham City Credit Union Rates and Review January 2026
Compare Birmingham City Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Birmingham City Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityBirmingham 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 CD rates or 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. Overall, Birmingham City Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Birmingham City Credit Union Birmingham City Credit Union 2725 35th Ave N Birmingham, AL 35207 2839  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVISA Credit Card
11.900%
No annual fee
Platinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
Visa Classic
11.900%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
11.240% - 17.950%
$0
25 - 36
Student Loan Consolidation
5.490%
$0
Unsecured (Signature) Loan
11.000%
$0 - $500
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Birmingham City Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Birmingham City Credit Union
Website: https://www.bhamcu.org
Full Time Employees: 4Part Time Employees: 0 President: James Robinett CEO: Kristin Finch Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
2725 35th Ave N
Birmingham, AL 35207 2839 Phone Number: 205-583-4654 Fax Number: 205-583-4654 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Birmingham City Credit UnionIs a member application needed to join Birmingham City Credit Union?Yes, to access services at Birmingham City Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Birmingham City Credit Union provides a range of mortgage and home equity products. Is Birmingham City Credit Union a safe place to deposit money?Yes, Birmingham City Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Birmingham City Credit Union offer online and mobile banking?Most modern institutions like Birmingham City Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.51%, 6-month CD rates at 1.20% and 3-month CD rates at 3.80%. Savings rates are at 0.20% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.75%. Credit Card rates are at 8.90%. Personal Loan rates are at 11.50%. All these rates, and more, can be found in our database of rates which you can compare to 
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