Credit Unions in Birmingham, AL
19 member-owned, NCUA-insured credit unions headquartered in or near Birmingham, serving a combined 476,349 members. The largest is America'S First. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
America'S First
Birmingham, AL🇺🇸
194,683 members
Credit Unions & BankingView details →Southern Energy
BIRMINGHAM, AL🇺🇸
90,227 members
Credit Unions & BankingView details →Avadian
Birmingham, AL🇺🇸
83,856 members
Credit Unions & BankingView details →Legacy Community
BIRMINGHAM, AL🇺🇸
29,974 members
Credit Unions & BankingView details →Mutual Savings
Birmingham, AL🇺🇸
19,114 members
Credit Unions & BankingView details →Alabama Central
Birmingham, AL🇺🇸
18,761 members
Credit Unions & BankingView details →Eco
Birmingham, AL🇺🇸
14,830 members
Credit Unions & BankingView details →Acipco
BIRMINGHAM, AL🇺🇸
8,894 members
Credit Unions & BankingView details →Social Security
Birmingham, AL🇺🇸
2,657 members
Credit Unions & BankingView details →Birmingham City
Birmingham, AL🇺🇸
2,648 members
Credit Unions & BankingView details →Health
Birmingham, AL🇺🇸
2,130 members
Credit Unions & BankingView details →Ang
Birmingham, AL🇺🇸
1,787 members
Credit Unions & BankingView details →Federal Employees
BIRMINGHAM, AL🇺🇸
1,737 members
Credit Unions & BankingView details →L&N Employees
Birmingham, AL🇺🇸
1,417 members
Credit Unions & BankingView details →Fireman'S
BIRMINGHAM, AL🇺🇸
956 members
Credit Unions & BankingView details →Alabama Postal
Birmingham, AL🇺🇸
904 members
Credit Unions & BankingView details →Sixth Avenue Baptist
BIRMINGHAM, AL🇺🇸
836 members
Credit Unions & BankingView details →Nrs Community Development
BIRMINGHAM, AL🇺🇸
778 members
Credit Unions & BankingView details →S R I Employees
Birmingham, AL🇺🇸
160 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Birmingham, not that it is the nearest branch to you.
How to join a credit union in Alabama
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Birmingham or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Birmingham — common questions
How many credit unions are in Birmingham?
19 member-owned, NCUA-insured credit unions are headquartered in or near Birmingham, Alabama, with a combined 476,349 members. The largest is America'S First.
Are these the closest credit unions to me in Birmingham?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Birmingham — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Birmingham?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Alabama accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Birmingham?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.