Credit Unions in Birmingham, AL
19 member-owned, NCUA-insured credit unions headquartered in or near Birmingham, serving a combined 485,822 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🇺🇸
195,624 members
Credit Unions & BankingView details →Southern Energy
BIRMINGHAM, AL🇺🇸
90,996 members
Credit Unions & BankingView details →Avadian
Birmingham, AL🇺🇸
83,496 members
Credit Unions & BankingView details →Legacy Community
BIRMINGHAM, AL🇺🇸
39,234 members
Credit Unions & BankingView details →Mutual Savings
Birmingham, AL🇺🇸
18,931 members
Credit Unions & BankingView details →Alabama Central
Birmingham, AL🇺🇸
18,375 members
Credit Unions & BankingView details →Eco
Birmingham, AL🇺🇸
14,864 members
Credit Unions & BankingView details →Acipco
BIRMINGHAM, AL🇺🇸
8,193 members
Credit Unions & BankingView details →Birmingham City
Birmingham, AL🇺🇸
2,692 members
Credit Unions & BankingView details →Social Security
Birmingham, AL🇺🇸
2,625 members
Credit Unions & BankingView details →Health
Birmingham, AL🇺🇸
2,114 members
Credit Unions & BankingView details →Ang
Birmingham, AL🇺🇸
1,766 members
Credit Unions & BankingView details →Federal Employees
BIRMINGHAM, AL🇺🇸
1,674 members
Credit Unions & BankingView details →L&N Employees
Birmingham, AL🇺🇸
1,413 members
Credit Unions & BankingView details →Fireman'S
BIRMINGHAM, AL🇺🇸
972 members
Credit Unions & BankingView details →Alabama Postal
Birmingham, AL🇺🇸
924 members
Credit Unions & BankingView details →Nrs Community Development
BIRMINGHAM, AL🇺🇸
920 members
Credit Unions & BankingView details →Sixth Avenue Baptist
BIRMINGHAM, AL🇺🇸
832 members
Credit Unions & BankingView details →S R I Employees
Birmingham, AL🇺🇸
177 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Birmingham: they are based in or near Birmingham. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Birmingham
3 more credit unions headquartered elsewhere have a branch in Birmingham, AL. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Alabama
TUSCALOOSA, AL🇺🇸
152,571 members
Credit Unions & BankingView details →Hope
JACKSON, MS🇺🇸
49,735 members
Credit Unions & BankingView details →Jefferson Credit Union
Hoover, AL🇺🇸
8,095 members
Credit Unions & BankingView details →- Alabama — branch: 351 24th St N Birmingham, AL 35203-3836
- Hope — branch: 9178 Parkway E Birmingham, AL 35206-1507
- Jefferson Credit Union — branches: 716 Richard Arrington Jr Blvd N B-300 Courthouse Birmingham, AL 35203; 3712 4th Ave S Birmingham, AL 35222
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 485,822 members. The largest is America'S First.
Are these the closest credit unions to me in Birmingham?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Birmingham, geocoded to the city. The second list adds 3 more credit unions headquartered elsewhere that NCUA shows with a branch in Birmingham, as of June 30, 2026. A credit union can serve a wider area than its branches. 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.