Credit union · NCUA insured
Social Security Credit Union
A $36.6M credit union headquartered in Birmingham, AL, with 2,632 members and 1 branch in Alabama. Best rates: CDs 3.50% and savings 0.65% APY.
Social Security Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#20 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Social Security Credit Union
Social Security Credit Union is a member-owned financial cooperative based in Birmingham, Alabama, that was chartered in 1947.
The credit union was established to serve current and retired employees of the Social Security Administration and other Department of Health and Human Services offices in the Metropolitan Birmingham area.
- Headquarters
- 1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL 35285
- NCUA charter
- 61391
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All permanent contracted employees that work in the Social Security Administration Building are eligible for membership.
- Individuals in other offices or divisions under the jurisdiction of the Southeastern Program Service Center are eligible for membership.
Military, government and schools
- Federal employees located in the Greater Metropolitan Birmingham area are eligible for membership.
- Current and retired employees of the Social Security Administration and other Department of Health and Human Services offices in the Metropolitan Birmingham area are eligible for membership.
Family and household
- Family members of the member, related by blood or marriage, are eligible for membership.
Branches
1 branch in Alabama
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Alabama
1 branch
- Social Security Credit UnionMain office1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL 35285Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.47% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio22.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.47%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Social Security Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.