Credit union · NCUA insured
Birmingham City Credit Union Savings Rates
Birmingham City Credit Union’s best savings rate is 0.40% APY on $10,000, with its Membership Share Savings Account. Rates checked October 22, 2026.
How Birmingham City Credit Union’s savings rates compare
Compared with banks and credit unions near Birmingham, AL, where Birmingham City Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Birmingham City Credit Union
0.40%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $40
Membership Share Savings Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Birmingham City Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Birmingham City Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Membership Share Savings Account
0.40%APY
Membership is open to city employees and their immediate family members (spouse, dependent children, grandchildren) who are not eligible for the city's Fire or Police Credit Union. Requires a $25.00 deposit to open. One withdrawal per month allowed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 – $75,000 | 0.50% | — |
| $75,000 – $10,000,000 | 0.70% | — |
Special-purpose accounts
IRA Shares
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 – $75,000 | 0.50% | — |
| $75,000 – $10,000,000 | 0.70% | — |
Sources (1)
- bhamcu.org/accounts/rates-savings · captured Sep 19, 2026
Who can join Birmingham City Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.