Credit union · NCUA insured
AmFirst
Top CarrotA $2.7B credit union, the 184th largest of 4,329, headquartered in Birmingham, AL, with 195,131 members and 22 branches in Alabama. Best rates: CDs 4.05% and savings 1.10% APY.
AmFirst Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#3 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AmFirst
Founded on July 23, 1936 by nineteen Tennessee Coal, Iron and Railway Company employees, AmFirst was established to provide financial services to under-represented community members.
The member-owned credit union operates 22 branch locations serving 12 Alabama counties and certain areas of Mobile.
- Headquarters
- 1200 4th Ave N, Birmingham, AL 35203-1631
- NCUA charter
- 24534
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bibb, Blount, Calhoun, Chilton, Coosa, Cullman, Jefferson, Shelby, St. Clair, Talladega, Tallapoosa, or Walker counties, or certain areas of Mobile, are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires opening a Share Savings account with a minimum deposit / share purchase of $5.00.
Branches
22 branches in Alabama
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Alabama
22 branches
Birmingham area · 17
- Main OfficeMain office1200 4th Ave N, Birmingham, AL 35203Directions
- Bessemer Branch2131 19th St N, Bessemer, AL 35020Directions
- Ensley Branch1819 20th Street Ensley, Birmingham, AL 35218Directions
- Forestdale Branch1918 Veterans Memorial Dr, Birmingham, AL 35214Directions
- Lakeshore Branch110 Frankfurt Cir, Birmingham, AL 35211Directions
- Roebuck Branch724 Crow Dr, Birmingham, AL 35215Directions
- Trussville Branch1910 Gadsden Hwy, Birmingham, AL 35235Directions
- Calera Branch108 County Road 304, Calera, AL 35040Directions
- Gardendale Branch1039 Mount Olive Rd, Gardendale, AL 35071Directions
- Hoover Branch3312 Old Columbiana Rd, Hoover, AL 35226Directions
- Inverness Branch2 Inverness Center Pkwy, Hoover, AL 35242Directions
- Hueytown Branch3052 Allison Bonnett Memorial Dr, Hueytown, AL 35023Directions
- Leeds Branch1795 Ashville Rd, Leeds, AL 35094Directions
- McCalla Branch4740 Eastern Valley Rd, McCalla, AL 35111Directions
- Pelham Branch10 Racquet Club Pkwy, Pelham, AL 35124Directions
- Pell City Branch2051 Martin St S, Pell City, AL 35128Directions
- Vestavia Branch1112 Montgomery Hwy, Vestavia Hills, AL 35216Directions
Anniston area · 2
- Jacksonville Campus Branch894 Pelham Road N, Jacksonville, AL 36265Directions
- Anniston/Oxford Branch31 Commons Way, Oxford, AL 36203Directions
Cullman area · 1
- Cullman Branch300 4th Ave SW, Cullman, AL 35055Directions
Mobile area · 1
- Mobile Branch1050 Montlimar Dr, Mobile, AL 36609Directions
Talladega area · 1
- Talladega Branch729 Battle St E, Talladega, AL 35160Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.25% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.77% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.26% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalNet worth ratio12.25%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.77%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.26%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of AmFirst are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.